davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Complaint XXXX XXXX and XXXX, XXXX, XXXX XXXX   is refusing to report on the three credit bureaus that I was not late this has been investigated and they are trying to say this is company policy I did not have a bill did not show them a bill I paid my bill XX/XX/2019 and the day I paid it there representative told me I would not be charged a late fee. Well I was charged a late fee even though my bill was paid in full and for six months straight they continue to charge me a late fee each month without even having a balance I have no balance with them it was paid in full in XXXX but every month from XX/XX/2019 they were charging me a late fee and reporting me late each month to the credit bureau I spoke with XXXX and they did credit me all the late fees but I need them to stop reporting me all these months late on my credit report my credit score has gone down because of this and they also took my {$8000.00} credit limit and dropped it down to {$100.00} credit limit because of their representative not doing her job and waiving the late fee like she said she was
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IN)

Had Great Lakes as my initial loan servicer. Loans were transferred to Nelnet this XXXX. Last year in XXXX I had filed to have my loans returned to standard payment plan and out of IBR due to lower estimated monthly payments after I had made a substantial payment during forbearance. Was assured during 2 phone calls that my loans would reflect the requested change to standard payment plan once COVID forbearance ended. Loans were then transferred to nelnet and my first statement shows I'm still under IBR on all but 1 loan even though I've not recertified my current income in nearly 5 years. Reapplied to have my loans returned to standard payment plan again on XX/XX/XXXX. This still has not been processed on my account. Spent 3 hours on the phone with Nelnet on XX/XX/XXXX with first rep answering after 2 hours and 20 minutes. First rep told me my account number was invalid and I was transferred to another department. Second rep answered after 10-15 more minutes and he told me I was in the wrong place and that the first rep was " not supposed to cold transfer '' and should have stayed on the line to explain the situation to him. Luckily this rep did explain what he could but basically said everything is pending and I'll have to wait a few more days. I had made the initial payment, that is substantially higher than what the standard payment is to be, because I was unsure of how long the processing would take and I didnt want to have my first payment be late. Now, even AFTER making that payment my account is reflecting a balance due without telling me which loan has the balance still due. The service rep is now telling me that 1 of my loans has a different due date than the other 5 which means I will have to pay on my loans two separate times each month. He recommended that I wait to request a single due date as not to confuse their system with multiple requests for changes to my account.
Consumer complaint received 2020-03-10
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. (HI)

Call Transunion XXXX XX/XX/2020 call to dispute and call USBK court Nevada.
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Around XX/XX/2023, I opened an account with American Express for a new American Express Platinum Card ( " Card '' ). As a promotion, American Express offered and I accepted a sign-up bonus ( of receiving XXXX Membership Rewards ) contingent on spending at least {$6000.00} on eligible purchases in the first 6 months. 


On XX/XX/2023, I used the Card to make a purchase through XXXX for a payment to the IRS in the amount of {$6400.00} ( " IRS Payment '' ), and was charged a fee of {$110.00} as a convenience fee. I was aware of the convenience fee and have no problem with it. On the FAQ pages for XXXX, it is stated that a " tax payment will be treated as a retail purchase ''. With this purchase, I satisfied the condition for receiving the sign-up bonus as explained above. 


Concerned that the sign-up rewards had not posted by XXXX, I reached out to American Express representatives on XX/XX/2023, via an online chat function. The representative informed me that the IRS Payment constituted " other cash equivalents '' and thus ineligible as a purchase that counts towards the sign-up bonus. After explaining that the website very clearly states the tax payments are processed as a " retail purchase '', the representative escalated the matter and filed an internal ticket. 


Having received no updates, I reached out again to American Express by the online chat function on XX/XX/2023. XXXX representative explained that the case was reviewed but American Express had decided " no further action [ was ] required ''. 


I explained again that the IRS Payment was processed as a retail purchase to no avail. I was referred to another representative who informed me that escalating the matter again would yield the same result. I explained my next step would be to file a CFPB complaint. 


American Express 's Cardmember Agreement specifically provides that " [ a ] cash advance is a charge to get cash or cash equivalents '', with cash advances incurring additional fees. The Membership Rewards Terms and Conditions also clarify as ineligible purchases " Cash advances and cash equivalents '' for which no reward points are awarded. 


Notwithstanding such definitions and terms, the IRS Payment did in fact earn XXXX rewards points ( i.e., American did not treat it as a cash equivalent purchase ), and the IRS Payment did not incur any charges relating to cash advances ( i.e., American did not treat it as a cash equivalent purchase ). 


For some reason, when it comes to having to grant to a cardholder the widely advertised benefit of obtaining the sign-up bonus, American Express decided the IRS Payment is deemed a cash equivalent purchase. That is, American Express purposely and deceptively miscategorized the IRS Payment.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Opportunity Financial, LLC (IL)

Good afternoon. I'm a credit counselor and am embarrassed and frustrated this is happening. I have two issues : 1. I have an XXXX credit card that is closed and I am paying down the balance. I am unable to get a monthly statement from XXXX because my cell phone is an older model and I get a message that I need a newer phone to use their mobile app. I called XXXX on XX/XX/2023 at XXXX and explained the proplem. I was told XXXX can't email me a statement for security reasons and they would send me my statement via US mail. It's exactly one mnoth later and I haven't received any mail from XXXX. I use the US Postal Service Informed Delivery service where I get an email from the US Postal service alerting me of any mail I will be receving from them inlcluding scanned images of the mail I will be getting in my mailbox so I know and have documentation that XXXX hasn't sent me my credit card statement via US mail. 
2. I have another phone I don't use but it's a more " modern '' phone and I was able to add the Oppfi mobile app to this phone hoping to get my credit card statement. However, when I try and login the login screen offers me two choices at the bottom of the phone screen : Apply Now and Sign In. I chose Sign In twice and XXXX instead processed two requests from me asking for an XXXX card. I have a photo as an example. I called XXXX on XX/XX/XXXX at XXXX and had a 22 minute conversation with XXXX XXXX this issue. The XXXX representative noted I had previously called on XX/XX/2023 and also acknowledged other XXXX customers called to complain about this issue of customers unwillingly appying for another credit card. This is a hard pull on my credit twice.
Consumer complaint received 2023-02-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (CA)

I am a long time member of the Navy Federal Credit Union ( NFCU ). It's main office is located in XXXX, Virginia and many branch offices around the world mostly in XXXX XXXX. Its Fraud Dept is located in XXXX, Florida. 

On XXXX XXXX, 2023, I conducted several transactions with an agent as I do on the phone early every year. All were done correctly. I turned on my home computer next day to check on the balance of my Money Market Savings Account ( XXXX ) and saw an unauthorized transfer of {$5000.00} from our account ( joint with my wife ) to our joint Checking Account and to XXXX XXXX Bank as " ACH Pending Transaction. '' I immediately called the NFCU and discussed with an agent. He said the fund will be restored within 1 to 10 business days. {$5000.00} was later transferred out of our Checking account to XXXX XXXX Bank to an individual named, " XXXX XXXX. '' {$5000.00} is not restored as of this date and several oral and written communications with the NFCU were to no avail. I am greatly puzzled and disappointed why the NFCU did not take an immediate action when I reported it on XXXX XXXX, 2023. 

Please see the attachments to explain the sequence of events. Thank you.
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PNC Bank N.A. (FL)

XX/XX/XXXX sent THE PNC FINANCIAL SERVICES GROUP, INC notice to rescind any written or verbal contracts with my signature. And to return the securities and FRN ( USA dollar bills ) payments made over the length of the establishment of this account. 
A registered securities was mailed out and accepted on XX/XX/2024, been over 30days.

THE PNC FINANCIAL SERVICES GROUP, INC per CFPB responded with a letter informing me that they will not stop reporting potential harmful information to the public. And will not stop receiving and selling my securities fraudulently, this fraudulent debt thats continuingly collecting interests and principal on my behalf.
Consumer complaint received 2024-05-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have been struggling to catch up on my auto loan ( hense my other complaint that is still open with the same company ). I was able to finally make a payment ( two payments with a pull from my retirement ) and get set up on a payment plan. Which I had asked for hardship options since my husband who is also on the loan is XXXX not able to work right now. The rep did not offer me anything but a payment and a crazy payment plan which I am going to try and keep but seems not reasonable considering my situation and the rep did not care to help. 

Prior to making this phone call on XX/XX/XXXX ( the day my deposit hit from my retirement ) I was receiving a daily call from capital one. Ever since I had talked to them on XX/XX/XXXX explaining how I was waiting on that deposit to be able to pay and get on a payment plan, as they would not allow us to even look at possible options till a payment was made. Ever since that call I have received 16 missed calls and 16 voicemails from Capital One. After I made my payment XX/XX/XXXX they stopped but up until then they called me everyday and left a VM every day. This a violation of the call frequency standards set forth by regulation F. 

Presumed to have violated call frequency standards if the collector calls a person in connection with a collection of a specific debt, more than 7 times within a 7-day period. 

Presumed to have violated call frequency standards if the collector places a call within 7 days after engaging in a conversation with a person about the specific debt. 

I am at this time considering discussing this with an attorney.
Consumer complaint received 2023-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (MS)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-06-17
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (GA)

XX/XX/year>, I made attempts to contact this company ( Hunter Warfield , Inc ) through mail to have the information removed from my Consumer Report which was unsatisfactory As governed by 15 USC 1581 ( b ) this information was furnished to XXXX, XXXX and XXXX XXXX without my written consent, this violates my rights as a Consumer.
Consumer complaint received 2023-02-06
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)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$720.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-02-06
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: FORD MOTOR CREDIT CO. (TX)

I've notified all parties ( credit bureaus/individual companies ) regarding the consumer report violation under ( 15 USC 1681b ) ( Exclusions ). I've requested that all late payments ( specifically ) be reversed/removed from my consumer report as it is a direct violation of my consumer rights per the ( FAIR CREDIT REPORTING ACT ). I'm requesting immediate assistance as the companies listed/the credit bureaus reporting have chosen to violate my rights according to the F.C.R.A. Your assistance in this matter would be greatly appreciated!!!
Consumer complaint received 2023-05-26
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: Self Financial Inc. (CA)

During the time of " Late Payment '' I incurred XXXX issues ( XXXX ) that prevented me from paying the agreed amount with the agreed percentage increase. Given 15 U.S. CODE 1665 C, they should have considered reduction in annual % rate. This was not factored into the amount owed. Therefore, I would like to have the late payment reports to be removed. I am of better condition than previously and have reached out to the companies to arrange the payments to be finalized in its full within 2-3 payments. If CFPB can remove these items in a timely manner that would be exceptionally appreciated. 

___________________________________________________________________ XXXX XXXX : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX XXXX : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX XXXX : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) XX/XX/XXXX ( 30 DAY LATE PAYMENT )
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

I received a {$500.00} Amex gift card sealed in an envelope for a work gift from my employer. The card had the full amount in XX/XX/XXXX when received, I used it several times to make purchases in XXXX and had {$210.00} remaining on it. I went to use this card at a retailer on XX/XX/XXXX and it was declined. I checked the account balance and it was {$5.00}. There were 4 unauthorized transactions at gas stations from the month of XX/XX/XXXX that I did not make, in a completely different county than where I am located. The transactions that were unauthorized, totaled {$200.00} all from XXXX XXXX, attaching an image of the transaction dates and amounts. I called Amex Gift Card services right away on XX/XX/XXXX and they told me that I have to call the merchant myself and they can not file a dispute but if the merchant can't help to call them back. I called the merchant - XXXX  XXXX on XX/XX/XXXX and my call ref. number is XXXX. They informed me that they can not help me and that I need to file a dispute on the charges with Amex. So I called Amex back on XX/XX/XXXX, was on hold for roughly an hour and the representative said flat out, you have to contact the merchant. I told her I did and she said that Amex can't do anything or file a dispute, I can only contact the merchant. I am extremely frustrated that Amex won't take accountability for this. Clearly, the gift card 's information was somehow stolen from Amex, even though I have the physical card and Amex refuses to do anything.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A, States I have the right to privacy 15 U.S.C 1681 Section 604 A Sectio 2 : It also states consumer reporting agency can not furnish an account without my written instructions.