davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
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: First Federal Credit Control, Inc. (FL)

On my XXXX  report I have an item being listed as : Collection Agency : FIRST FEDERAL CREDIT CONTROL  Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/2017 Original Amount Owed : {$300.00} This item is NOT mine. I have provided my social and DOB to the collection agency and they determined it was an error and that the item belongs to someone else with the same name. 

First Federal Credit Control ( FFCC ) provided a letter saying they have removed that item and I have included this letter in a dispute to XXXX  on three separate occasions. On each dispute XXXX  wrongfully determines the item does belong to me. 

XXXX  claims they are waiting on FFCC to remove the item ; FFCC claims they have removed it and it us up to XXXX to delete it from my credit report. I have contacted each agency on several occasions and none of them seem to be able to take any further action to remove the item.
Consumer complaint received 2022-11-01
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. (MO)

Hello. I applied online for the Chase XXXX XXXX credit card on XX/XX/XXXX, at XXXX XXXX. central time. XX/XX/XXXX was the last day for a particular promotion attached to this credit card. The terms of the promotional offer were to receive XXXX XXXX points after completing $ XXXX in spend in first three months, as well as DOUBLE ELITE NIGHT CREDITS thru XX/XX/XXXX. This is the part of the offer they are telling me I will not be receiving. This is the most important part of the promotion, as I am trying to maintain my globalist status with hyatt for XXXX and I absolutely planned on taking advantage of the double elite night credits to achieve this. 

I did not receive immediate approval for the credit card. On XX/XX/XXXX I called the Chase reconsideration phone line, and was approved. This is obviously within the 30 day period that I initially applied. I have been advised by a lawyer that they must honor the offer I originally applied under, if approved within 30 days. 

So, this is my complaint. While on the phone with chase representative on XX/XX/XXXX, immediately after being told I was approved, I asked for confirmation about the promotional offer I would be receiving. I was told that the offer I will receive will be the offer that is available as of the date of my approval, NOT the date of my application. This is my main complaint today. The offer available on XX/XX/XXXX did not include the double elite night credits. 

Can you help me with this issue? Thank you very much. XXXX XXXX
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IN)

On XX/XX/2022, I paid a deposit and first months rent ( {$300.00} & {$450.00} ) for an apartment XXXX XXXX that I did not move into. XXXX the apartment XXXX told me I would be receiving a refund to my card but that didnt happen so I disputed the charges. I received a reversal receipt from XXXX XXXX on XX/XX/2022 and sent it to chime. My claim was closed accidentally via the app and when I called chime to reopen they told me it was denied so I escalated it and was still denied on XX/XX/2022. So now I do not know where my money is because the apartments are saying that they never received the funds in the first place and that I owe them {$200.00} dollars.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Specialized Loan Servicing Holdings LLC (KY)

I filed a dispute on my credit report for 2 inaccurate statements with my mortgage company saying payment was late on XXXX and XX/XX/XXXX. The dispute came back saying the mortgage loan was discharged through bankruptcy chapter XXXX. My ex-wife filed for bankruptcy after we were divorced and this loan was not included in her bankruptcy and I have never filed bankruptcy. This is inaccurate and needs to be removed my credit.
Consumer complaint received 2020-08-14
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: World Acceptance Corporation (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the XXXX XXXX and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Knight Adjustment Bureau (FL)

I am having an ongoing issue with a collection agency which is reporting information in a fraudulent manner to the three credit bureaus and which I have tried on multiple occasions to dispute, asking for validation, verification and original source information. 
The collection agency rubber stamps the dispute as meeting the criteria of the FCRA and ignores the request. This has happened numerous times over the last 4 months. 
Every time I ask for enough data to verify how the company could buy a debt which is illegal, automatically the company reports that it is correct with no proof. It has provided nothing more than a headache at best and a complete lack of transparency with the Fair Credit Reporting Act at worst. 

The collection agency is Knight Adjustment Bureau operating out of Utah. What review I could find on the company read truly horrific and do not surprise me whatsoever. I am asking for this agency to mediate this investigation to make sure that Knight Adjustment Bureau complies with my request as I have grown tired of their illegal methods to hold a consumers credit file hostage with no proof whatsoever that a debt even exists as the company that is reporting it lists a different amount from bureau to bureau and when I tried to call the company the call rang on and on with no answer or message. 

Assistance is sorely needed and will be greatly appreciated.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (NJ)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, my bank account was completely emptied to offset a negative balance in my brothers bank account even though our accounts aren't connected or linked. Chase bank rationalized this action by saying since my mother co-signed both my account and his account, her signature was enough of a connecting factor for them to do that. I tried explaining that the money they took was a loan disbursement from my veterinary school that Im given to live off of but they still cited they were justified in taking the money.
Consumer complaint received 2023-03-17
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. (NY)

On XX/XX/2023, I sent three dispute letters to all three bureaus asking them to validate my debt about an item on my credit report. Transunion sent me back a letter on XX/XX/XXXX, letting me know they want to help me ensure my report is accurate. On XX/XX/XXXX, XXXX sent me a letter stating that the investigation results would be removed. And XXXX never returned anything from when I sent out the letter 30 business days ago. To my understanding, I've been told that inaccurate information on a consumer 's credit report must be removed if it is not 100 % substantiated. This affects my chance of getting my dream car and relocating to housing.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act ; XXXX, XXXX 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 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-08-14
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. (LA)

I have filed several disputes against items on my credit that are inaccurately there. Payday loans, XXXX XXXXXXXX XXXX, a couple store credit cards and an old XXXX bill that was sent to collections that I disputed directly with the company.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Back in XXXX I started receiving bills from Capitol one credit card when I never signed up for a credit card. I have all 3 credit bureaus on credit alert for one year, but someone I don't know has gained access to my personal information and opened up a line of credit. I'm now in debt and I'm trying my hardest to get out of this situation. I have spoken to Capitol one on a few occasions and they said that they will look into it. 
I'm asking you to please help me resolve this issue. I have only one card and it's from my bank.
Consumer complaint received 2022-11-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA (VA)

On XXXX XXXX, 2022, at XXXX XXXX  ET, I spoke to a XXXX at XXXX XXXX XXXX, XXXX XXXX, who lied about having a previous conversation with me. She stated that I had offered to pay {$4000.00} in a phone conversation I had with her a few months ago. I never had {$4000.00} to pay, so I know she was lying to get a settlement. A debt collector lying is, at the very least, an unethical business practice ; if it's not illegal, it should be.
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I made a deposit on XX/XX/XXXX and the bank accepted it the next day my account was closed and my deposit unaccounted for by the bank. I spoke to the branch they confirmed my account was closed however my deposit will be processed. however according to costumer service there is no record of any deposit.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (WA)

Comenity Capital Bank stopped reporting any update for my account on XXXX XX/XX/2022. 

I have contacted them on several occasions. They have repeatedly told me " we are updating our systems and will update your credit report in 45 days. '' 4 months later, still no updated account information to any of the credit reporting agencies I have made all payments on time and in full, even extra payments to make for an early pay off.
Consumer complaint received 2020-08-14
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: Experian Information Solutions Inc. (MN)

I am requesting a letter with method of verification for verifying a bankruptcy from XXXX, Experian and XXXX XXXX. I need to know how XXXX, Experian and XXXX XXXX verify a bankruptcy before they add the information to an individuals credit report.
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: Synovus Bank (SC)

I am writing to address several violations of my rights and privacy by various organizations. 

XXXX XXXXXXXX XXXX  XXXX XXXX According to 20 USC 1232g, 34 CFR 99, and 5 USC 522a, the XXXX XXXX XXXX has violated my rights by contravening the Educational and Privacy Act. This act states that my school should not provide transactional history to any third-party companies. I am opting out of any previous authorizations I may have granted, including verbal, written, or otherwise, per 15 USC 6802. 

XXXX. XXXX : XXXX is reporting a non-mailable address associated with me. I would like to understand where they obtained this address from as it seems to be a violation of my rights under the Privacy Act of 1974. 

XXXX. XXXX XXXX XXXX : XXXX XXXX XXXX  card account, opened on XX/XX/XXXX, is reporting a charge-XXXX. This status suggests that the debt is now considered a certificate of indebtedness and therefore counted as income, which should not appear on my report according to IRS guidelines. 

Additionally, the above violations may contravene the following regulations : - 16 CFR 313 - 16 CFR 433.2 - 16 CFR 433.3 - 17 CFR 424 Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, 12 CFR 1022.8 mandates procedures to maintain the accuracy and integrity of information, while 12 CFR 1022.6 outlines the requirements for disclosures to consumers in the event of an adverse action. 

XXXX XXXX XXXX is reporting different information compared to XXXX, resulting in discrepancies across my credit reports. This inconsistency is impacting my creditworthiness and financial reputation. XXXX and XXXX 's failure to align with XXXX reporting is a clear violation of the FCRA and associated regulations. 

I request that the CFPB investigates this matter and holds XXXX accountable for their non-compliance. Thank you for your attention to this issue. 

I request immediate rectification of these issues and a response explaining your actions and how you plan to address these concerns. Thank you for your attention to these matters.
Consumer complaint received 2024-04-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (LA)

XX/XX/XXXX Transworld came on my credit report due to a debt from XXXX XXXX, spoke with them was told it was from XXXX XXXX inform them I have been with XXXX XXXX XXXX  with internet and Cable since XXXX also informed them I have never lived at the address and have been living in XXXX street since XXXX. Was told to send documentation to prove it, sent documentation to the compliance email and was told to wait 30 days, waited and received no information. When contacted Transworld about it I was told it would have to be paid to get it deleted. Paid it in XXXX of XXXX. In XX/XX/XXXX when starting my home process I was told the collection was still on report and to get it deleted. Contacted Transworld again and was told they can only email me a paid in full but they can not delete it that I would need to dispute through the credit bureaus. Did a dispute with XXXX and it was deleted. A later later I contacted XXXX regarding the dispute and was rudely told its nothing can be done and I need to contact Transworld for it to be deleted and answer the dispute or it would be in my credit until XXXX. Contacted Transworld and was told again they cant send anything to delete and there is no one I can talk to that handles disputes.
Consumer complaint received 2020-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with CAPITAL ONE, XXXX XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE, XXXX XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-14
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: Medical Data Systems, Inc. (GA)

I have a loan with XXXX  ( Original Creditor : XXXX XXXX XXXX  ), MED DATA SYS ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX CCI ( Original Creditor : XXXX XXXX XXXX ), MED DATA SYS ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-14
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

Transworld Systems Inc re-aged a paid and closed student loan account on XX/XX/XXXX. When contacting the company XX/XX/XXXX a representative was able to find my account with name and DOB but  was unable to access the account as she stated that it was in a dedicated department that was currently closed. XX/XX/XXXX call was placed again to company, transferred to the correct department and this representative was unable to locate my account unless I gave my social security number. Explained that XX/XX/XXXX that woman was able to find the account so that rep attempted to find my account but could not. At no time were there any documents mailed to me regarding this account with and account number or balance. I have only had one private student loan with XXXX/XXXX  XXXX XXXX which was paid and closed, any other claims are fraudulent and need to stop. Please see attached excerpt of credit report showing this account being paid and closed.
Consumer complaint received 2020-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (MS)

NCB Management Services continues to report inaccurate Unverified information about me, to the credit bureaus they report to. I have written this company Numerous times requesting that they send me the Original Documents or Contract with my Signature on it, Verifying that I have a debt with them.. { I have copies of the letters I sent NCB Management Services through Certified Mail requesting this information } proof NCB Management continues to update this alleged debt to the credit bureaus as a Collection Account.

I have not received any contracts that I signed with this company. I have no debt with NCB Management Services. I have never did any business with NCB Management Services.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX was included in a bankruptcy, the amount is reflecting a owed amount of {$190.00} or XXXX, the balance should be XXXX for amount owed or due! Ive tried to work this out several times with disputes I even called the company numerous times in the past! I tried to reach them today because it says that I have one late payment on my report! I would like this to be removed as the debt has been settled
Consumer complaint received 2020-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA, motorhome loan. 
Tried to pay monthly loan for mY motorhome check was sent back to me. I did not have the account number, due to amount before was taken out of the checking account auto by USAA. I contacted the company and was told since I could not answer all the security question from phone calls USAA was not able to help. I am not getting any where and need help with this. The longer this motorhome monthly payment is not paid the total amount I will have to make up will be extremely hard. I am going threw a divorce.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

MyXXXX XXXX was transferred on XX/XX/XXXX to Nelnet in the amount of {$8000.00}. On XX/XX/XXXX I paid Nelnet {$4000.00} and the remaining balance of {$4000.00} on XXXX. To date the {$8000.00} is still reflected on my credit report as being owed to XXXX. 

I spoke to XXXX XXXX several times with the latest being on XX/XX/XXXX and was advised that once Nelnet reports that the balance will fall off my report. However, I last spoke to Nelnet on XX/XX/XXXX and was advised that them reporting would have no impact on the XXXX  XXXX balance. As of XXXX when I last spoke to Nelnet they state that they have reported to all credit agencies. The report is not reflected on my XXXX report. The Nelnet XXXX  XXXX  advised that there was nothing they can do to further assist me. 

I have also disputed this balance 4 times and everytime the credit agency sends back that the balance is correct. The XXXX stated that there is nothing they can do even though I have provided all the proof. Nelnet states there is nothing they can do because they have reported the XXXX balance. I am stuck between these 2 companies and need help resolving.