davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Transform Credit Inc. (CA)

On XX/XX/09 I applied for a loan with Transform Inc. They said they could loan me XXXX which I never received. Instead on my credit report shows I owe a company called credit builders {$390.00}. 
XXXX dollars was taken out of my banking account. I reached out XXXX XXXX immediately because I wasnt sure if it was fraud. All I got was a voicemail. You can not speak to a human. So in panic I signed up for XXXX XXXX XXXX, which is XXXX a month and took me lots of time to figure this, a couple days later I did get a text from XXXX XXXX. No one at this company ever calls you on the phone. They do everything by text or email. I feel that this is a bait and switch company.
Consumer complaint received 2022-10-17
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. (TX)

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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake.
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid 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. (NJ)

I have been with BJ 's Comenity Bank Card since XXXX. I am listed a having positive activity never late always paid in full no matter how high the balance. On XX/XX/XXXX I placed a special order with XXXX XXXX using the Bj 's Comenity Card in order to place the order with an approximate delivery date in XX/XX/XXXX. In the interim there had been fraud on this card. I reported it to Comenity Bank and they issued a new card with a new number. I had an issue with Comenity and wound up closing this account as well. The last transaction on the new card was XX/XX/XXXX. Both accounts were paid in full and both accounts were closed. I now called XXXX XXXX to give them a different credit card company to use for when my order was to be processed. I then receive a statement from Comenity on the new account which was closed with a posting date of XX/XX/XXXX for a purchase mount {$2300.00}. I still had not received the order and this was put through on a closed account. I contacted XXXX XXXX and was told there was a mix up and they used the Comenity Card instead of the new card I had provided. I canceled the order with XXXX XXXX and they issued 2 credits XX/XX/XXXX {$2100.00} and XX/XX/XXXX {$260.00} = {$2300.00} Credits applied to original Comenity account the only card XXXX XXXX had on file. I then called Comenity and was told they would put in a dispute. I asked how could they let a charge go through on a closed account and was told they had the right since the card was used as a hold back in XXXX. I informed them about the credits as they said they would look into it. The credits were uploaded to Comenitys secure website. Everytime I called I spoke wit someone different and my confirmation was always the dates I called ; with no results. I asked how is it that you can find the latest account which I never gave to XXXX XXXX  to bill me and now you can't find the original account to credit me since I was told both accounts were linked. I am receiving statements with late fees and interest and harassing phone calls to my cell and home number.
Consumer complaint received 2023-11-10
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. (MA)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior.
Consumer complaint received 2023-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

I qualify for PSLF forgiveness. I have well over 120 qualifying payments and have been a publis school teacher for 20 years. 

I filed for PSLF XX/XX/22. 
My employment has been certified. 

Nelnet has not moved my plans over to XXXX. XXXX has requested the loans five times. 

I have been on the phone with both Nelnet and XXXX numerous times. This process should have only taken 30 days. It's now been over 10 months. 

I want my loans moved immediately.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I try to " Convert Rewards '' over CapitalOne 's website, they try to do a verification with my phone number. Every time their website gives an error saying " We can not verify your phone number '' or " Sorry, we can not match that number to your name ''. I have this number on my name since XXXX  and it is with XXXX. This phone verification is the only option to " Convert Rewards '' to one of their third party partners ( XXXX XXXX XXXX ). They can not do this over phone and they do not provide any alternative verification options on their website. I called their support line multiple times over the week since XX/XX/XXXX and spoke with multiple agents. Nobody was able to solve my issue. They say they are working with a third part service and can not do anything about this. I bought this CapitalOne XXXX card only for this reason, and they are blocking me from using all the miles I had saved so far. I believe this is false advertisement and discrimination since other people can easily " Convert Rewards '' with their website.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

XXXX XXXX Credit card is NOT reporting the correct information about my credit card, such as credit limit, monthly payment activities, showing that the account is NOT being used and there is a dispute by customer on the account. 

There is no dispute on the account. 

I called XXXX customer service, they do not want to do anything about it, told me to contact the credit bureau. I email them again, they told me the system is down, we will get back to you, no one get back to me. 

This false records is affecting my credit score dramatically, when i try to seek a loan for refinance purpose.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (NY)

CitiBank _ Best Buy Charged card. Called my ex husband telling him about my miss payment regarding my account which my ex husband is not a joint account holder. My ex husband repeatedly ask them not to call him anymore and that went on deaf ears.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-14
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)

supporting information attached. I did not give permission for an inquiry through XXXX XXXX XXXX - check the signature and date on attached document. Please remove this unauthorized inquiry from my credit report. Thank you.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have had several loans for jeeps in the last XXXX years. This particular loan was to be paid on a trade. the loan was with XXXX XXXX I found a new jeep ( licensed XXXX XXXX ) they ran my credit, and my application, got the loan approved. 

ordered the payoff on my trade ( another jeep with XXXX XXXX ) they added the payoff amount to the contract, along with all the down payment costs and typed all into the legal loan agreement. 

I signed over the release of liability along with the payoff figures that were verified at the time of signing. giving them my XXXX year old jeep as a trade, my check for the downpayment and a took possession of the new jeep. 

a few days later, I called them to make sure they are sending the payoff. they said, yes. then, a couple weeks later. I called again, they said they called the XXXX XXXX. I was like ok. then in XXXX I called XXXX XXXX they said. they hadn't received the payoff. I called the dealer again, they sent the incorrect amount. Then the account was short all kinds of fees and penalties. I then paid them because they were destroying my credit over XXXX!!!!! when the payoff for {$23000.00}. this happened in XXXX and have tired over and over and over again to get them to fix the lates on my credit report. they have not helped me or even opened my mail to look at the documents. they have killed my credit report and rating. turns out this dealer and XXXX has been Notorious for holding payoffs, and having customers pay fees and fines to enrich their company and shareholders. 

The dealership was eventually shut down by the Attorney General and XXXX XXXX closed her eyes and pretended like it never happened and they are still reporting the lates on my credit report they have cost me substantial financial harm because I've had to pay higher interest rates due to their mismanagement and clear greed.
Consumer complaint received 2023-06-08
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. (FL)

Dear Chase Card Services, I am writing this letter to express my deep disappointment and upset regarding the way my situation has been handled by your organization. As a long-standing customer who has faithfully maintained an account with Chase since XX/XX/XXXX, I expected to receive better treatment when faced with an unforeseen circumstance. 
On XX/XX/XXXX, I was unfortunately diagnosed with XXXX, which resulted in a XXXX XXXX that rendered me unable to work and significantly impacted my financial stability. Given the circumstances, I reached out to Chase to communicate my situation and seek assistance in managing my account. However, I was met with actions that have left me deeply disheartened. 
Despite having maintained a stellar payment record over the course of nine years, it was demoralizing to experience how swiftly my account was closed, further exacerbating the challenges I was already facing. Additionally, the subsequent reporting of the account closure to my credit bureau has further damaged my chances of achieving any financial redemption. 
In an effort to rectify the situation and fulfill my responsibility, I promptly contacted Chase to discuss my XXXX hardship and arrange for a payment. I was relieved when a representative assisted me in enrolling in a hardship program, assuring me that it would not result in any further damage to my credit and would correct the status of the previous months. It is important to note that I did not request the reopening of the account ; my intention was solely to fulfill my obligations by settling the debt owed. 
Subsequently, I diligently fulfilled the requirements of the hardship program, making payments to catch up on the past due balance. I adhered to the agreed-upon payment schedule, with the payments being automatically withdrawn from my account as arranged. 
However, to my dismay, I have recently discovered that my credit report now reflects multiple delinquencies and an incorrect past due balance. The impact of these damaging entries can not be overstated, and it is disheartening to realize that Chase has chosen to kick someone when they are already down. As someone who had dedicated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can not adequately express the devastation I felt at being treated in such a callous manner during a time of personal vulnerability. 
I wish to emphasize that I followed the steps as instructed by Chase. I promptly communicated my hardship, fulfilled my financial obligations, and placed my trust in your organization to handle the situation fairly and responsibly. I had reason to believe that the monthly payment would persistently be deducted from my account, just as it had consistently occurred throughout my history, including the two most recent payments. Regrettably, my expectations were not met, and I find myself deeply let down by the actions taken by Chase.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC. (MA)

On XX/XX/XXXX, I was scammed by someone impersonating the federal trade commission in XXXX texas. I was told that my identity was used for money laundering and that I must secure my money with them for the investigation. I XXXX  the federal trade commission and verified that their number matched the number that called me. I processed to send my {$1500.00} through XXXX in XXXX payments {$630.00} and {$900.00}. They also asked for me to send a picture of my driver 's license. I opened a claim with XXXX and attempted to dispute the charges after I requested them from the receiver and they were denied. I also reported The recipient 's XXXX account. XXXX told me that I have to talk to my bank Santander. I called and initiated a claim and they denied it and told me that I have to talk to XXXX. I filed a police report and a report with the federal trade commission.
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (NJ)

Hello guys, I bought a XXXX phone from XXXX XXXX XXXX store in XX/XX/2018. 
which phone was returned to the same store after a week ago. I do have proof of refund to the store. 
So I don't know why are they want me to charge again. 
Also I called to them so many times but they still sending me debt collection letter. 
please help me to remove this amount from my credit account.
Consumer complaint received 2024-03-09
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. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Account Managers, Inc. (CA)

I am writing to formally address and dispute the collection account being reported by Grimm Collections, purportedly stemming from an alleged contractual arrangement with XXXX XXXX. I want to clarify that I have no contractual affiliation or relationship with Grimm Collections, and thus, I do not recognize any supposed contract they claim to have with me. 

My foremost concern pertains to the lack of documented consent or authorization granted to Grimm Collections regarding any association with XXXX XXXX. I have not provided any such consent, nor is there any evidence to support Grimm Collections ' claims to the contrary. 

Furthermore, Grimm Collections lacks the authority to engage in any actions or transactions regarding XXXX XXXX without the explicit consent of the only real party of interest or surety involved. I demand evidence to substantiate any claims of authority that would justify their involvement without proper authorization, which, as of now, remains conspicuously absent. 

Regarding any signature referenced by Grimm Collections, it is imperative to note that any signature they possess can not be considered valid if it was obtained under questionable circumstances. Therefore, any purported signature attributed to XXXX XXXX, held by Grimm Collections or XXXX XXXX, is hereby rescinded and invalidated. 

Due to concerns about potential harm and the infringement of the rights of myself and of the surety, I formally declare the discharge of any obligations toward Grimm Collections due to their communication with me without prior consent from the surety. I also demand the prevention of any trespass against the rights pertaining to the subject matter in question, especially as they pertain to beneficial title holders in private. 

It is crucial to emphasize that neither Grimm Collections nor XXXX XXXX have been granted permission or consent to furnish any information to credit reporting agencies, especially in the absence of my explicit written consent, which remains absent and unverified. 

Furthermore, I hereby revoke any and all forms of consentverbal, non-verbal, written, or otherwisegranted to XXXX, XXXX, XXXX, Grimm Collections, or XXXX XXXX. Additionally, any security interests purportedly granted to XXXX XXXX or Grimm Collections are hereby rescinded, revoked, and rendered null and void ab initio. 

I expect a prompt and thorough investigation into these matters and the immediate cessation of any further communication or reporting by Grimm Collections and XXXX XXXX until these issues are satisfactorily resolved.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have had several loans for jeeps in the last XXXX  years. This particular loan was to be paid on a trade. the loan was with XXXX XXXX I found a new jeep ( licensed XXXX XXXX ) they ran my credit, and my application, got the loan approved. 

ordered the payoff on my trade ( another jeep with XXXX XXXX ) they added the payoff amount to the contract, along with all the down payment costs and typed all into the legal loan agreement. 

I signed over the release of liability along with the payoff figures that were verified at the time of signing. giving them my XXXX year old jeep as a trade, my check for the downpayment and a took possession of the new jeep. 

a few days later, I called them to make sure they are sending the payoff. they said, yes. then, a couple weeks later. I called again, they said they called the XXXX XXXX. I was like ok. then in XXXX I called XXXX XXXX they said. they hadn't received the payoff. I called the dealer again, they sent the incorrect amount. Then the account was short all kinds of fees and penalties. I then paid them because they were destroying my credit over XXXX!!!!! when the payoff for {$23000.00}. this happened in XXXX and have tired over and over and over again to get them to fix the lates on my credit report. they have not helped me or even opened my mail to look at the documents. they have killed my credit report and rating. turns out this dealer and XXXX has been Notorious for holding payoffs, and having customers pay fees and fines to enrich their company and shareholders. 

The dealership was eventually shut down by the Attorney General and XXXX Just closed her eyes and pretended like it never happened and they are still reporting the lates on my credit report they have cost me substantial financial harm because I've had to pay higher interest rates due to their mismanagement and clear greed.