davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
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. (MD)

I cant transfer points to my husbands account. According to the terms, we have to live in the same household and have the same rewards program. We meet both requirements. Our accounts are in good standing. 

My husband has a chase sapphire reserve and I have a chase freedom.
Consumer complaint received 2019-12-03
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: EQUIFAX, INC. (AR)

I had some error on my credit report disputing it but they said it was accurate the problem is on one of them they didn't get my last name right with the Dr so they could charge my insurance instead they put it on my credit and the other problem is they have XXXX account listed 2 times on there when it's only supposed to be once. The other name was XXXX XXXX something like that
Consumer complaint received 2019-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc. (TX)

I did a patient satisfaction survey and was dissatisfied with the care provider by the entire hospital staff. I received a call from the patient advocate and we discussed my experience and the patient advocate apologized profusely. I was informed that my bill will be written off. I was surprised to now see this information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Date : XX/XX/2017 Amount : {$460.00}
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

id theft. new inquiries are not mine as folllows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-21
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX-XXXX ( XXXX ) XXXX Account Number : XXXX Status : COLLECTION ACCOUNT Account Owner : Individual Account. High Credit : {$1600.00} Type of Account N/A Credit Limit : Term Duration : 36 Months Terms Frequency : Single Payment Loan Date Opened : XX/XX/XXXX Balance : {$0.00} Equifax is incorrectly reporting that Date of Major Delinquency First Report XX/XX/XXXX. 
As a result, it will be XXXX more years before this paid acct will be removed from my credit report which is unfairly, negatively impacting my credit report, credit score and ability to secure access to capital during this government shutdown! 

Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : XXXX Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : XXXX Creditor Classification : Educational Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Education Loan Date of First Delinquency : XX/XX/XXXX
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (FL)

The Equifax, XXXX and XXXX Credit Bureaus are reporting inaccurate information in XXXX, XXXX XXXX and XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be updated. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or update this from my personal file. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$480.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00}.
Consumer complaint received 2019-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (NJ)

I WAS CHARGED ON MY ON MY VISA CREDIT CARD FOR SOMETHING THAT I DID NOT AUTHORIZE ON XX/XX/09 FOR XXXX .. I CALLED VISA SEVERAL TIMES IN XX/XX/2009 WHEN THE CHARGE WAS ON MY STATEMENTS AND THEY NEVER DID ANYTHING TO HELP ME. I HAVE BEEN CALLING IN TO THEM EVER SINCE AND THEY ARE NOW TELLING ME THAT THE CHARGE IS TOO OLD AND THEY CANT HELP ME. I DONT UNDERSTAND HOW THEY CANT WHEN THEY SHOULD HAVE IT DOCUMENTED THAT I HAVE CALLED IN THE PAST AND THEY ARE TELLING ME THERE IS NOTHING THEY CAN DO NOW. I SPOKE WITH A REP NAME XXXX XXXX XXXX XXXX AND SHE WOULD NOT PUT ME TO THE MANAGER BUT JUST KEPT SAYING THAT THEY CANT HELP ME.. SHE WAS VERY NASTY ALONG WITH THE OTHER REPS I SPOKE TO. THIS IS MONEY THAT WAS TAKEN OUT OF MY ACCOUNT WITHOUT MY CONSENT. PLEASE HELP ME TO GET THIS MONEY BACK. I LIVE ON A FIXED INCOME AND CANT AFFORD TO JUST LET THIS MONEY GO. I HAVE BEEN PAYING MY BILL AND IM SURE THE BALANCE FOR THIS TRANSACTION HAS BEEN PAID BY NOW BUT I COULDNT JUST LET IT GO THAT WOULD BE ON MY CREDIT AND I DO NOT JUST LET BILLS GO TO GET A POOR CREDIT REPORT. IM SURE YOU UNDERSTAND THAT BECAUSE VISA DOES NOT. PLEASE HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE
Consumer complaint received 2019-01-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC (CA)

My son and I purchased a used vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Fl on XX/XX/XXXX. As part of the new purchase, they agreed to pay the last XXXX payments and the end of lease charges for the car we were trading in. I called BMW Financial services in XX/XX/XXXX because I had forgotten to stop my automatic bill pay for the old car and had sent them a payment of {$560.00} on XX/XX/XXXX. To our surprise, BMW said not only were they not going to give me the payment back but that I owed another {$630.00} for " end of lease '' charges. Needless to say, I was irate. After being told its was XXXX 's fault, then XXXX saying it was BMWs fault, we talked to numerous people at XXXX XXXX to resolve ( XXXX, XXXX and XXXX ). They have stonewalled us for three months now ( they realize they didn't send enough to BMW ) kept saying they are reviewing, not returning calls, etc. My son even went to the physical address to no avail. All the while, BMW is sending us threatening letters to sue us or refer to agencies. Finally, with no end in sight for the stonewalling, we got a final letter from BMW threatening lawsuit and had to pay the {$630.00} on XX/XX/XXXX. THEN, we get a letter that BMW referred us to Collection Agency on XX/XX/XXXX. THIS IS CRAZY..they are ruining my credit! Please help!!! They owe us {$1100.00}!
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (CA)

I am writing to dispute the inaccurate information that continues to be reported on my credit report. Despite multiple attempts to dispute this information and provide evidence to support my claims, XXXX, XXXX & Equifax has continued to failed to conduct a proper investigation and update my credit report with accurate information, as required by law. 

I am specifically referring to the XXXXXXXX XXXX XXXX Acct # XXXX which has been incorrectly reported on my credit report. Despite providing evidence that this account is inaccurate and inconsistent, it continues to be reported on my credit report, negatively impacting my credit score and livelihood. This account is reporting different last date active, different last payment payment dates, and all have different payment history reporting when theyre all supposed to be reporting the same information accurately Furthermore, I believe that XXXX XXXX XXXX & Equifax has violated the 15 USC 1681i law on numerous occasions by failing to conduct a proper investigation into my disputes and continuing to report inaccurate information on my credit report. This is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but it has also caused significant harm to my mental state and livelihood. 

I demand these organizations delete this inaccurate account as required by law for reporting inaccurate and incorrect information. I also demand that these organizations compensate me for any damages caused by their failure to comply with the FCRA and other relevant laws. 

If I do not receive a satisfactory response to my dispute within 30 days, I will be forced to pursue legal action against your organization for violating my rights under the FCRA and other applicable laws. 


Thank you for your attention to this matter.
Consumer complaint received 2019-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

LVNV Funding, LLC has reported an erroneous collection to the credit bureaus. They claim that I owe XXXX XXXX. I have NEVER had a XXXX XXXX credit card. I've asked LVNV via USPS certified mail to show an agreement that authorizes them to collect this alleged debt, an agreement that bears the signature of the alleged debtor wherein he promises to pay the alleged debtor, and complete payment history on this account as to prove that the debt amount you wish to collect is correct. They have provided NEITHER. This company 's irresponsible behavior has tarnished my credit worthiness.
Consumer complaint received 2023-03-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : SS # : XXXX XXXX : Date of Birth : XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. After reviewing my credit report, I have noticed that these accounts have violated several laws, including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

The following accounts are listed on my credit report with inaccurate information and/or have violated consumer protection laws 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 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 Charge Off Account Please note that the following violations have occurred : FCRA violation : The information reported on the credit report is inaccurate and does not reflect the true status of the account. 
FDCPA violation : The debt collection agencies did not follow the proper debt collection procedures and harassed me. 
FACTACT violation : The information provided is not accurate, complete, or up-to-date. 
TILA violation : The lenders did not provide me with proper disclosures and/or charged me fees that were not properly disclosed. 
RESPA violation : The lenders did not provide me with proper disclosures about mortgage loans. 
ECOA violation : The lenders have discriminated against me based on my race, gender, and/or national origin. 
FCBA violation : The creditors did not properly handle billing errors and disputes. 
I demand that these accounts be immediately removed from my credit report and that any negative remarks or late payments be corrected. I also demand that any debt collection agencies that have violated the FDCPA be reported to the proper authorities. 

I am emotionally distressed by the impact these inaccuracies have had on my credit score and financial well-being. It is unfair that these violations have occurred and I expect prompt action to be taken to resolve these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2019-01-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

On XX/XX/2019 I requested for a money transfer from my checking account to be sent to XXXX. Money was taken out of my account on XX/XX/2019. On XX/XX/2019 I received a confirmation from Money Gram stating that my transfer was sent. I was notified by the receiver that the money never got there. I called on XX/XX/2019 and Money Gram said that their system is down and to call back in 24-48 hours. I called again on XX/XX/2019, I was on the phone with Money Gram for over an hour, talked to 7 different people, and no one could fix the problem. I asked for a refund, they said maybe 4 days maybe 11 maybe 30. No one knew what to say, no one helped, they gave me no answers, and would let me submit a claim.
Consumer complaint received 2023-02-27
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$770.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$970.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$180.00} XX/XX/XXXXXXXX XXXXXXXX XXXXXXXX {$270.00} XX/XX/XXXX XXXX
Consumer complaint received 2021-09-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I entered into Forbearance program with CHFA for three months ( XXXX, XXXX and XXXX ) last year and after three months, I started my payment on XX/XX/XXXX and CHFA entered into my account on XX/XX/XXXX my first payment after Forbearance, CHFA send me document to be notary from my Bank for my Forbearance to reinstate my account in which I sent all the document to them and called them for confirmation that they received the document, I still have my duplicates. I noticed CHFA was holding on to my payment for months and when I called them that my payments are not applied to my account, they told me until the program is over which force my account to one year of the program. I only run the program for three months last year but they applied all payment from last year XXXX in this year XX/XX/XXXX only applied three payments last year. Now CHFA reported to credit bureau that I own them 5 months mortgage payment in amount of {$14000.00} ( that's XXXX per month ), which according to their system all payments from XX/XX/XXXX to XX/XX/XXXX applied to Forbearance my account indicating that I still own Mortgage for 5 months. They charge my account with {$310.00} late payment which stop any lender to refinance with because debt and also late payment. I called them 2-3 times every month since XXXX till today and all that they ( XXXX XXXX XXXX XXXX told me is their supervisor or underwriter have to address my case. I have spoke to a lot of staff or Rep. ( XXXX, XXXX, XXXX etc ) on the phone and what they told me is their supervisor will call me or fix it. I always received calls from this number XXXX collecting debt every other days and multiple threaten letters to send my house to foreclosure, when I called them am told they will it in 2-5 weeks. Am told one staff called XXXX is responsibly or handle my account but she stop working on it since last two months XXXX without any reason and I believe because they notices am doing refinance with XXXX XXXX XXXX, knowing that I can't refinance if am still under Forbearance, Late payment on my account and also send to Debt collections.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX I. Nature of Dispute This letter disputes the accuracy and completeness of the information reported on my credit report concerning account number XXXX. The report inaccurately reflects ongoing monthly payments on this account. 
II. Factual Basis for Dispute 1. No Payment History : I have never made any payments towards this account. The reported " monthly payments '' are en>rely inaccurate. Even though they are showing payments being made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the alleged creditor for this account. I spoke with a represents verified by badge number XXXX. During this conversion on, XXXX confirmed that the reported payment history is inaccurate and that I have never made any payments on this account. 
3. Statute of Limitations : Furthermore, under applicable U.S. law, credit reporting agencies are prohibited from reporting on defaulted accounts that have not been actively pursued for collection or judgment within a specific timeframe ( the statute of limitations ). Given the complete lack of payment history, there can be no recent collection activity, rendering this reported account outside the permissible reporting window. 
III. Requested Action Based on the above facts, I request that credit agency Investigate this dispute with all due diligence and contact XXXXXXXX XXXX XXXX XXXX XXXX to verify the accuracy of the reported information. 
Delete the inaccurate information regarding " monthly payments '' and any reference to this account from my credit report. 
Reflect in my credit report that the statute of limitations has expired for any potential collection activity on this account. 
IV. Conclusion The inaccurate reporting of this account is demonstrably false and potentially damaging to my creditworthiness. I trust that credit agency will take swift and decisive action to correct this error and ensure the accuracy of my credit report. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently reviewed my credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2023-03-01
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. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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. (CA)

US Department of Education is in Federal violation of the Fair Credit Reporting Act. They are tarnishing my reputation and causing undue hardship for falsely and illegally reporting alleged debt much beyond 7 years old. There are 3 accounts reporting on my credit reports with a status of collections. All are listed as Acct # XXXX with balances reflecting as {$25000.00}, {$54000.00} and {$28000.00}. These accounts are from XXXX and prior. US Department of Education is providing misleading information on my consumer reports. This illegal reporting has been preventing me from being able to apply for credit to provide for my family. My credit is constantly discriminated against because of these large amounts and outdated accounts. They have illegally reported that these accounts were opened in XXXX. I have not attended any school in the last 9 years. These accounts are fraudulent and violate my consumer rights.