davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-08
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. (CA)

There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company. I notified the bank of this situation and they failed to make the change. The account is now current with the correct bank account.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid 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. (FL)

I received an offer as a current Chase Marriott Bonvoy Credit Card holder that I acted on. 
I referred my son to apply for the same credit card. Once he was approved, I received XXXX Marriott Rewards points and he was to receive XXXX points upon spending a specified amount within a 3 month time limit. He fulfilled all requirements but never received the points. Since that time he has continually and repeatedly contacted both Marriott Rewards and Chase credit card services to no avail. Since I am the person who referred him and since this card has a {$95.00} annual fee, I am invested in fixing this. 

I am uploading the incorrect denial letter from Chase cardmember sevices and our response which details the entire issue.
Consumer complaint received 2020-06-12
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: AES/PHEAA (GA)

FED LOAN SERV {>= $1,000,000}. I have reached out to this company several times in reference to these accounts. Fed Loan offered to put loan in deferment to investigate and will remove these accounts while they investigate. These accounts are fraudulent fed loan is now violating fair debt reporting act. please assist
Consumer complaint received 2020-06-12
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: EOS Holdings, Inc. (CT)

I already reached out to the credit bureaus and EOS CCA and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I have settled and closed this account. I closed and paid in full of this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. The closed account was falsely or mistakenly re-billed. Due to Covid-19 Pandemic i am unable to pay for unauthorized re-bill that was mistakenly reporting by the bank institution.
Consumer complaint received 2020-06-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC (VA)

The collection agency is reporting inaccurate information on my credit report and it is damaging my score and causing great harm. I have never received any information from this company regarding the debt and my HIPPA rights have been violated. I am currently not working due to COVID-19 and due to a previous medical condition I am on XXXX. This company states that I owe them {$1100.00} for an account that was closed on XX/XX/2016. I have no other information and can not afford to pay a balance living off of the government stimulus and XXXX.
Consumer complaint received 2020-06-13
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: EQUIFAX, INC. (FL)

See attatched Tracking XXXX  Proof Delivery to Equifax Thurs XX/XX/XXXX. See attatched XX/XX/XXXX Letter from me to Equifax Requesting VERIFICATION OF XXXX & XXXX  ACCOUNTS. MAIL FRAUD Criminal Investigation USPS DELIVERIES NOT MADE XX/XX/XXXX. See attatched Equifax XX/XX/XXXX. See attatched Equifax Reports. See attatched FTC ID Theft case XXXX. My complaint is : Despite written requests the unverified original signatures of delivery into my hands and Dr License & Signature VERIFED I Opened Accounts have not been provided. The Accounts still remain on my credit report in violation of Federal Law. Equifax is required under FCRA to have a copy the original creditors documentation on file to verify that this information is mine and correct. In the reports Equifax stated " VERIFIED '' that these items were being " REPORTED CORRECTLY ''? Who verified these accounts? Equifax has Not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under SECTION 609 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ) Furthermore Equifax failed to provide the method of verification required under SECTION 611 ( a ) ( 7 ) Under SECTION 611 ( 5 ) ( A ) of the FCRA REQUIRING Equifax to " ... ..... 
Promply DELETE all information which can not be verified ". *THE LAW IS VERY CLEAR THESE BANKS ARE REQUIRED TO BE ( XXXX XXXX COMPLIANT ACCESS TO ALL XXXX. ) I HAD NO ACCESS TO THESE ACCOUNTS. XXXX The Law is very clear as Civil liability SECTION 616 AND 617. I DEMAND EQUIFAX VERIFY THE XXXX  & XXXX ACCOUNTS WITH ORIGINAL DOCUMENTATION OR DELETE IMMEADIATELY. I have only recieved credit reports claiming these accounts are verified, I have the right to ask for the original signed contracts wit ID to truly verify my signature.
Consumer complaint received 2020-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I took out a student loan under XXXX XXXX in XXXX of XXXX with an original principal of {$17000.00}. In XXXX of XXXX, I was encouraged to go into forbearance rather than using income-driven payment plans and ended up consolidating my Federal student loans with Navient at an exorbitant interest rate of 9 %. Navient did not encourage the option/benefit of an IBP in XXXX of XXXX. Since XXXX, I have been under an IBR Plan, but my principal is now {$71000.00}. I believe I would be in a better financial situation at this time had I initially signed up for an IBR. Please help in rectifying this situation or advise of other avenues to take to reduce the interest I have accrued over the years.
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

JP Morgan Chase Bank- An individual or group of individuals have accessed sensitive information and are now calling in to document fake reports on my name and have blocked me out of my checking account. Its a collective group of individuals doing a mass fraud scheme and have simply targeted me for whatever hateful and spiteful reasons ...
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called twice to Capital One on the night of XX/XX/2020 to have my credit card unrestricted. The card has been paid off in full since XX/XX/2020. Two agents advised it was unrestricted each time I spoke to each agent. Using the card on XXXX the same night, I received messages the payment failed. I attempted again this morning, XX/XX/2020. The same results. I called to Capital One tonight at XXXX XXXX and spoke to two agents. I was told by the first agent that I had missed XXXX 's payment ( paid XX/XX/2020 ) and that my card can not be unrestricted and I should apply for a new credit card. I asked for a manager. XXXX, identified herself as an Escalation Manager, reiterated that my card can not be unrestricted due to a 4 day late payment in XX/XX/2020 ( she found the payment although the other agent did not ) and ( despite Capital One charging a late fee plus I paid my card off in full almost two months ). The card is active, paid off in full, the company has not cancelled the card, yet I am told it will not be unrestricted for use. So I have an active credit card, paid off, account not closed, yet the company will not un-restrict it for use. XXXX could not give a reason at all of how this happens to be so, nor could she offer or direct me to information from the company notifying a customer of this alleged policy. I have asked for an escalation of my account. I told the representative she must be misinforming me as I can not see the logic in a company having a consumer who has paid off and brought the card up to date, and will not un-restrict the card for the consumer to use, which is a benefit also to the company. Just does not make any sense. 
I wish to have this matter fully investigated and Capital One provide proof of this type of policy of the Company and any reason why this may be logical business practice.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (TX)

XXXX BB & T does not allow auto pay with anything other than minimum payments forcing you to either pay each month manually or paying forever and never getting out of debt. This is my only card that does this, all others allow you to set your auto payment amount to whatever amount you choose. This should not be allowed, it forces the poor or uneducated into bondage! I called and spent thirty minutes with the bank personnel and then the supervisor and she confirmed very politely that they don't allow that option. I informed them I will pay them off soon and never bank with them again. It just seems to me this should not be allowed to continue, and I hope a complaint filed this way has some teeth and will convince them to change policies. 
Thanks, XXXX.
Consumer complaint received 2020-06-13
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. (MS)

I am trying to delete ERRONEOUS Name Variations of MY CORRECT LEGAL NAME ( XXXX XXXX XXXX ) from my Experian Credit Report. These erroneous name variations are : 1. XXXX XXXX XXXX, 2. XXXX XXXX, 3. XXXX XXXX, and 4. XXXX XXXX XXXX. I went through my EXPERIAN.COM website Account Dispute Center to accomplish this task ; but the EXPERIAN.COM WEBSITE Dispute Center would not let me do it online, I have to call Experian ( See Attached ). The website was created by Experian to make it EASIER for consumers to maintain ACCURATE Experian Credit Report Information. The Experian website already SCREENED ME and VERIFIED MY IDENTITY when I created the Experian Account ; so why do I have to DOUBLEDOWN and call Experian also?
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was charged 16 late fees from the time period of XX/XX/XXXX to XX/XX/XXXX which total {$580.00}, which represents more than 30 % of my total bill. I was making my payments on time automatically deducted from my account for payment towards my balance. The amount that was being deducted wasn't enough for the minimum payment and was off by a few dollars. I am XXXX  XXXX and did not realize this on my statement until my daughter noticed my statement. I have been calling Capital One about this issue and it has still not been resolved.
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

Good afternoon, My name is XXXX XXXX. I was told by my mortgage company that I would not be able to pay off the premium on my house until I get an appraisal and pay them 20 % of the price paid of all work I have had done on the house since I purchased it in 1990. The mortgage company is PHH and when did it become a policy to charge an extra 20 % at the payoff of my house. Please help me to understand what is going on. There has been no major work done to my property but there is a lot of work that needs to be done to bring my house up to code. The plan is to renovate after I pay off the mortgage company. 
I can be contacted by phone ; XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-28
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. (MS)

You have violated various laws under the FCRA, and I am looking into seeking litigation as you are not taking my disputes seriously. 
FCRA 15 U.S.C. 1681a, you are required to report accurate and fair credit files.

FCRA 15 U.S.C. 1681e : you are reporting false and misleading information FCRA 15 U.S.C. 1666b, Timing of payments FCRA 15 U.S.C. 1605, Determination of finance charge Dept/XXXX  Acct # XXXX Dispute reason : Inaccurate payment history, Date of last payment XXXX different years, Balance update Instruction : Please update payment history current/never late or deleted the account The list of inaccurate information : TransUnion mail dispute results XXXX XX/XX/XXXX. The investigation results verified as accurate JXXXX XXXX 90 days late XXXX XXXX 90 days late XXXX XXXX  120 days late XXXX XXXX 120 days late XXXX XXXX 120 days late Transunion Date of last activity XX/XX/XXXX Transunion Balance updated XX/XX/XXXX XXXX email results on XX/XX/XXXX, the investigation results verified as accurate. They added a late payment XXXX XXXX 90 days late XXXX XXXX  120 days late XXXX XXXX 150 days late XXXX XXXX  180 days late XXXX Date of last activity XX/XX/XXXX XXXX Balance update XX/XX/XXXX PLEASE SEE ALL ATTACHED DOCUMENTS!!!!
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On Saturday XX/XX/XXXX I was locked out of my chase bank account. Monday, XX/XX/XXXX, I called and spoke with someone to see what the issue was, and I was told I had to take 2 forms of I.D into the Chase Bank location which I did the next day XX/XX/XXXX. The banker instructed me to call the online support for help in which I waited around the bank 3 hours on hold waiting on someone to help me just for online support to tell me the banker has to call, even though the banker was right there with me and willing to speak to them. So, we tried again the next day XX/XX/XXXX in which the banker actually sat on hold waiting on support for over 1 hour and 45 mins. Absolutely nothing was handled, because no one ever answered and I had to go pick up my wife. I tried again the next day XX/XX/XXXX and the banker went ahead and scheduled for me to come in between the time of 10 - 12 to speak to the branch manager who never showed. All of this for me to be told there is nothing that can be done. My account has been locked 3 going on 4 full weeks. My work direct deposit is attached to this account. During this pandemic it's bad enough we are living paycheck to paycheck, but also it is time for bills to be paid and I have no access to funds to pay them. We have been scraping and struggling to feed our XXXX year old child when we have funds to do it. At this point it's beyond ridiculous. I need to verify my account so I can get it unlock so I don't lose my home, and can put food on the table for my family. I can't access my mobile app since they have locked me out, so it's impossible to email or get in contact with anybody to help me.
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Subject : Formal Complaint Against XXXX for Erroneous Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Phone : XXXX XXXX, XXXX Consumer Financial Protection Bureau To Whom It May Concern, I am writing to lodge a formal complaint against XXXX, a XXXX loan servicing company, for an error in reporting my payment history to credit bureaus, which has unjustly damaged my credit score and financial standing. This complaint details an issue that occurred around XXXX and has continued to adversely affect my credit history to this date. 

In XXXX, I was in communication with XXXX to arrange for a deferment or an alternative payment plan for my student loans, as my existing deferment period was nearing its end. After diligently ensuring that all necessary steps were taken to secure the deferment, I was dismayed to discover approximately a month later that my credit score had plummeted by over XXXX points. Upon investigating the cause, I learned that XXXX had reported a missed payment to the credit bureaus. This was not just a single report ; because my debt was fragmented into over XXXX separate accounts, it appeared as though I had missed XXXX payments concurrently. 

I immediately contacted XXXX to address this discrepancy, as I had not missed any payments and had taken all the appropriate steps to ensure my account was in deferment. Despite acknowledging their error, XXXX refused to rectify the misinformation reported to the credit bureaus. This erroneous reporting has persisted in affecting my credit score negatively, despite my efforts to resolve this issue and maintain a punctual payment record post-consolidation of my loans. 

The impact of this error on my credit history is profound and unjust, considering that the fault lies entirely with XXXX 's mishandling of my account information. It is crucial for my financial wellbeing that this error be corrected, and the erroneous late payment reports be removed from my credit history. 

Therefore, I respectfully request the Consumer Financial Protection Bureau to intervene on my behalf and investigate this matter. I seek the removal of the incorrect late payment entries from my credit report and any other necessary corrections to ensure that my credit history accurately reflects my payment record. 

I am prepared to provide any further information or documentation as needed to assist in the resolution of this complaint. Thank you for your attention to this matter and for your assistance in rectifying this significant issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Good afternoon, I am XXXX XXXX. I am a victim of identity theft. I have listed the accounts that I did not create. This is wrong and I ask that all items be deleted. I need these items deleted. So, the correct information is listed on my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

God Bless, XXXX XXXX
Consumer complaint received 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted : XXXX XXXX XXXX - XXXX DISPUTE LETTERS TRANSUNION LLC - XXXX DISPUTE LETTERS XXXX - XXXX DISPUTE LETTERS XXXX - XXXX DISPUTE LETTERS I WOULD FIRST LIKE TO STATE THAT XXXX XXXX XXXX, TRANSUNION, AND XXXX ARE FALSELY REPORTING THIS ACCOUNT! I HAVE ASKED FOR THE ORIGINAL INSTRAMENT OF INDEBTINESS ( PER THE REQUIREMENT OF THE FAIR CREDIT REPORTING ACT ) FROM THESE COMPANIES TOTALING 19 TIMES WITH 4 DIFFERENT COMPANIES, WITH NO AVAIL! THE FAIR CREDIT REPORTING ACT STATES THAT " ALL INFORMATION THAT IS PRESENTED ON CREDIT REPORTS MUST BE 100 % ACCURATE AND THE COMPANY REPORTING SAID INFORMATION MUST HAVE THE ORIGINAL INSTRAMENT OF INDEBTINESS. NONE OF THESE FOUR COMPANIES HAVE PRODUCED A SIGNED DOCUMENT, AUDIO, OR VIDEO OF ME, TAKING ANY OWNERSHIP OF THIS FAKE ACCOUNT! XXXX AND TRANSUNION KEEP STATING THAT THIS IS VERIFIED AND MEETS F.C.R.A, BUT THEY ARE LYING! HOW DID THEY VERIFY IT? XXXX HAS REMOVED THIS FALSE ACCOUNT BECAUSE THEY COULD NOT VERIFY THAT IT BELONGS TO ME! I HAVE PROVIDED PROOF. I HAVE NO AGREEMENT OR CONTRACT WITH XXXX XXXX XXXX, YET THIS IS BEING REPORTED ON MY CREDIT REPORT ILLEGALLY! THIS IS A VIOLATION OF THE F.C.R.A!