davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-08
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: WELLS FARGO & COMPANY (TX)

I have a credit card with XXXX XXXX that I got early this year. I have a very well documented history of fraud happening on my account and everytime it happens they refund the money back. However, in the last fraud in XX/XX/2023 claim I submitted they did not refund a part of transactions ( over XXXX transactions were reported by me as fraud, they refunded most of it but denied some with the denial amount over {$1800.00} ). I barely ever use this card as i don't have family, I work fully from home, and I use other other cards knowing fully the fraud issues with this card. I have done correspondence with the concerned vendors whose transactions were denied to me by the credit card company and submitted those documents along with police complaint report but they seem to deny and reopen the fraud case every single time. 

I am happy to provide all the documents.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NY)

I was locked out of my Marcus Savings ( Goldman Sachs ) account because they had the wrong SSN on file, and because my phone number is not registered in my name on their end. I was told that a letter was sent out on XX/XX/23 to my mailing address with an affidavit so I could verify my identity and unlock my account. They said it would take up to 10 business days. I have not received such a letter. I have also bought a new sim to get a phone number in my name, even though I have had my phone number for almost 10 years now. I was unable to verify myself with my new phone number as well.

Whenever I call Marcus, a case gets opened and I am asked to call back in 3 days. Then another case gets opened. I am stuck in a loop, with no access to my funds.
Consumer complaint received 2023-12-08
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: LEXISNEXIS (FL)

I am writing to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$590.00}
Consumer complaint received 2023-12-08
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. (CA)

Vanilla Gift Card. 
Apparently I went to a scam website that looked just like Vanilla to register a gift card I had just received. 
As I was completing the process a pop-up showed a warning, something pertaining to a XXXX website, but it was too late. I confirmed that I had been scammed when I tried to use the card myself 10 minutes later and it was declined. When I called vanilla, they did see that the card was locked and that there had been a transaction for the full amount, but it wasn't where I tried to use it. 

The real Vanilla says I can call back on XX/XX/XXXX, and they will start a dispute and MAYBE I will get my money and they HOPE I will get my money. 

All of the card info went here : XXXX XXXX XXXXXXXX and I'm out {$50.00}
Consumer complaint received 2024-04-12
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. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

I have made numerous calls to Nelnet about my parent plus loan erroneously showing as past due when it should be current because the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Nelnet has had independent confirmation of this from the school at least since XX/XX/23 and has failed to act to update the account, despite my numerous requests, escalations and complaints. For more than two months I have been told it would be corrected, and every date they promised has lapsed. In addition, Nelnet suggested to me more than once to consider using MY available forbearance/deferrment time to compensate for THEIR failure to update the account in a timely manner. I told them it was unfair for me to use any of my available 36 months of forberance/deferment because they can't update the account timely, despite admitting numerous times they have had all the information needed to do so, repeatedly.
Consumer complaint received 2023-10-19
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. (IL)

In accordance with the Fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX  XXXX Inquiry : XXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX  XXXX : XXXX Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States that 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 instrusctions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer repoting agency may make any consumer report containing any of the following items of informatoion or any other adverse item of information, other than records of convitions 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (FL)

I was sent an email from XXXX XXXX XX/XX/23 for a settlement in the amount of {$1600.00}. I received an email from XXXX XXXX saying they are no longer responsible for the debt and it is back in XXXX XXXX hands. I called and they told me this is incorrect. XXXX also has my debt was is on my credit this is inaccurate reporting and incorrect
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase bank closed all 3 of my credit card accounts after banking with them for 5 years in XX/XX/. After spoke with them on XX/XX/, I was not given any specific reason why they are closing the accounts and I was not given the option to appeal the decision.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Re : Formal Complaint Against Capital One Regarding Account Closure and Redemption of Rewards Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of utmost concern regarding my Capital One Venture X credit card account. I recently received an email notification informing me that my credit card rewards points had been redeemed. Upon further investigation, I discovered that my account has been arbitrarily restricted, without clear justification or explanation.

I promptly contacted Capital One Support to seek clarification on the status of my account. The initial representative, XXXX in XXXX, Florida, indicated that this action was a result of a " business decision '' and that my rewards had been liquidated. Despite my persistent inquiries, I was provided with vague responses, and the subsequent support personnel, XXXX ( Employee ID : XXXX ), failed to shed any light on the situation. 

I established this account in XX/XX/2023 with the expectation of enjoying the associated benefits, which included 2X rewards on spending, a substantial credit card rewards points points of XXXX, a {$300.00} travel credit, and access to airport lounges, all in exchange for a {$390.00} annual fee. Regrettably, within just XXXX months of opening the account, Capital One chose to close it unilaterally without notice or chance to redeem these points and credits. 

Despite having paid the aforementioned annual fee in the first billing cycle, I have been denied the benefits and services I anticipated. Multiple conversations with various Capital One representatives, including XXXX ( XXXX ) in the Philippines and XXXX ( XXXX ) in Florida, have proven fruitless, as they claim to lack the authority to address the matter.
Consumer complaint received 2023-05-31
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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.
Consumer complaint received 2024-04-12
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)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MD)

I told these companies that I did not open this account, nor did I approve this account. I am not okay with the damage that has been done to my credit. I feel as though I have been a victim of someone's cruel attempt at a come up.
Consumer complaint received 2023-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (KS)

I was in the XXXX XXXX, KS American Eagle store on XX/XX/ and the sales agent told me to scan a QR code to access my AE credit card since I didn't have it with me. What I didn't know, is that it also produced a credit inquiry on my credit report. I already had a card. I don't want a new one and I certainly don't want another ping on my credit report. I want it removed.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Starting on XXXX, small amounts of money were being taken out of my checking account, in small increments ranging from {$100.00} to {$500.00}. I was involved in a fraudulent scam where money was taken out of my checking account with the main intention of being able to get my money back with some interest from an investment. I was speaking to this person mainly through the XXXX app and this person kept taking money out of my account and they took a total of {$16000.00}. I found out about this fraudulent scam about a month later, so I spoke to the claims representative at Chase Bank regarding this situation. I wanted to be able to get the debit charges reversed to get my money back since I never got my money back and was basically lied to the entire time. Still, unfortunately, the claims and fraud department denied the claims, stating that " because I authorized the charges, they were unable to reverse the charges and they are unable to stop the pending charges as well since I authorized it. '' I also asked if there were any other solutions that could help me get my money back, but the only thing that the bank said was to contact the XXXX XXXX department since they are the company that took money out of my checking account to see if they can reverse the charges. 

I also spoke to the XXXX XXXX department as well since the scammers also took money out of my XXXX XXXX account and they also denied my claims as well since they claimed that the only way to get my money back was to ask the scammers to send the money back and they are not able to stop the pending transactions. Before consulting both Chase Bank and XXXX XXXX, I already went to the police department to file a crime report on my stolen money due to a scam and filed an FTC report against the scammer. I already explained to both companies about my situation, but they both said that they are unable to help me at all.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (CO)

I contacted the bank on several occasions about a situation where someone was entering my account and stole {$1800.00} out of my account over a period starting with XXXX up until I regain access to my account. The bank keeps denying the fact that people stole my money even though I provided them with a police report and a bill stating that I didn't even have a phone at the time it is the online Establishment and I ask for proof on how they determined that it was a good transaction. I have several email from the establishment about the denial of my claim and if necessary I can provide this documentation. If you notice from the proof provided by the company there were only ip address applied to the time money was taken from my account. They claimed that the transaction were accurate because it came from a phone number associated with my account but as I explained I have to other lines and theses are the people that suspect of stealing the funds from my account.
Consumer complaint received 2023-12-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MI)

Recently I have been receiving an excessive number of calls from Commenity Bank XXXX 14 in the last week, 5 in just the last 8 hours while I was at work! I am assuming that this is related to a credit card I recently took out but have yet to receive any statements for in order to pay it. Its definite harassment and in violation of the CFPBs 7-in-7 rule for debt collection calls. I used to have a commenity card years ago, and like 6 years ago I filed a complaint that they had harassing call programs then - why hasnt the CFPB done anything to stop this? I know they can be liable for damages up to {$1000.00} per person but it seems like they just continue the same problems with no consequences. Had I of known the store credit card I was applying for was through this bank I would have never gotten it! I am also suddenly getting a bunch of No Caller ID calls that suddenly started at the same time that Commenity started calling, I am not late in any other credit cards or loans and so I know that I wouldnt be receiving calls from anyone else. Although I cant prove those are them, it has to be more than a coincidence. Either way, 5 calls in 8 hours?!? I work and cant take personal calls. Mail me my statements, give me notice on how to pay and Ill pay it - dont harass me! Since I have yet to receive a statement- I hope I havent been assessed any fees on top of this or been reported to the credit bureaus! Better yet - take the {$1000.00} per violation issue that it says in regulation and cover the debt ( which is like a quarter of that ) - then fix your collection programs. take some ownership of your blatant compliance failures.
Consumer complaint received 2024-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to urgently follow up on the ongoing dispute concerning negative items on my credit report. I am deeply disappointed by the level of incompetence displayed by your department and the inadequate service provided in ensuring fair and accurate reporting for consumers like myself. Despite my repeated efforts to address these issues, there has been a significant delay and lack of satisfactory resolution.
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NC)

I received a letter from Newrez, LLC, dated XX/XX/2023 stating that wind damage coverage is required on my individual condominium unit HO6 insurance policy. In the same sentence Newrez states that " we plan to buy insurance for your property. '' Newrez then went on to state the following : " You must pay us for any period during which the insurance we buy is in effect but you do not have insurance. 
The insurance we buy : May be significantly more expensive than the insurance you can buy yourself ; may not provide as much coverage as an insurance policy you buy yourself. '' This communication from Newrez was received apparently without any knowledge or attempt to understand that the condo unit in question is contained within a larger building. The wind coverage is carried at the association level on the master policy, not at the individual unit level. Newrez took no time nor interest to understand the facts prior to sending out an aggressively worded communication. 

My ultimate concern is that those who receive this type of letter may feel pressured or coerced into adding coverage onto their individual policy that is redundant and not required, therefore incurring unnecessary cost. 

The customer service agent at Newrez, acknowledged that other people have complained about the same issue and management within the organization is either indifferent to the concern or unwilling to address.
Consumer complaint received 2022-10-29
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have written letters to each credit reporting agency Experian, XXXX, & XXXX notifying them to update my personal information. There are many variations of my name, & outdated residential addresses. Despite me showing proof of my current address and my only legal name these agencies have failed to comply.
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Snap Recovery, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no account with this company. They have violated my rights over and over again!!! 

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate