davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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: NAVY FEDERAL CREDIT UNION (CA)

Spoke with XXXX in collections who sent a request to remove 30 day late for XX/XX/2022 but a new late for XX/XX/2022 was added. XX/XX/XXXX payment is NOT 30 days late until XX/XX/XXXX and today is XX/XX/XXXX there incorrect credit reporting is causing me damages and health problems
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : DEPTEDXXXX  Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX  Account Number : XXXX DEPTEDXXXXXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : 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 2023-01-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc. (MI)

Hello, I had six digital tokens from XXXX received between XXXX and XX/XX/2022 worth a total of {$65.00} ( XXXX {$10.00} XXXX  tokens from XXXX and one {$15.00} XXXX token from XXXX ). I had thought the tokens had one-year expiration windows, but when I went to redeem them in XX/XX/2022, I learned that they had all expired and actually had even shorter six-month expirations. 

I called the company 's customer service number on XXXX XXXX, XXXX, and was initially told that nothing could be done. The representative then said that the {$15.00} card from XXXX, which I'm guessing expired in XXXX ( XXXX months later ), could be reactivated for a {$12.00} fee, leaving {$2.00} ( that said, according to the screenshot I included, the funds were still available until XXXX XXXX, XXXX, so I'm not positive when it actually expired ). I did not accept this and instead, also on XXXX XXXX, filed a complaint with the XXXX  to XXXX / XXXX  Payments, the program manager for the prepaid cards, to raise the issue and hopefully resolve it more reasonably with the company. A number of other consumers had experienced the same issue I did ( ie, not being able to use their tokens before their expirations, and not realizing the expiration dates were so short ) and were offered one-time courtesies from the company. 

The company 's VP of Compliance has now responded to me twice via the XXXX  and stated that the terms and conditions were in the emails I received ( they were not ; I have included the token emails as attachments ) and that " We apologize but at this time we are not able to fulfill the cardholders request. '' They have not explained what criteria they use to offer some consumers " one-time courtesies '' while not offering them to others ( I have never received a one-time courtesy from the company ). The XXXX has only acted as an intermediary for sending my and the company 's responses, both of which I have rejected. I now realize that perhaps my complaint would have been better suited to the Consumer Protection Financial Bureau.
Consumer complaint received 2023-01-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-01-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

When Capital One acquired XXXX years ago, I was never informed that I would no longer be in a high yield interest account. They placed me in a capital one 360 account vs a Capital One 360 Performance account. The difference interest rates is currently 3 %. I feel like this is a very deceptive practice and I will be closing all of my Capital One accounts. 

Please see this article - exact same situation appears to have occurred to many others. 

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 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (WY)

XXXX made XXXX of XXXX Payments made XX/XX/XXXX of XXXX XX/XX/XXXX of XXXX XX/XX/XXXX of XXXX XXXX charged XX/XX/XXXX XXXX XXXX charged XX/XX/XXXX XXXX XXXX XXXX interest on XXXX XXXX XXXX  interest on XXXX for XX/XX/XXXX XX/XX/XXXX balances XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Minimum payment has been XXXX throughout. 
Was charged interest on balance in XXXX despite purchase being made 8 days earlier ( no grace period ). That interest charge was reversed after calling. Made a payment that more then covered the high interest balance. Payment was partly applied to high APR. Credit Card Act of 2009 as well as my billing statement says, All payments over the minimum for the account will be applied to highest interest rate unless a promotional balance is within two billing cycles of completion. My XXXX XXXX  expires in XXXX. Chase bank has refused to reverse the second interest charge or apply my over payment to my high interest rate.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

account on my credit report, despite confirmation from the respective bank to remove it. This failure to comply with the law undermines consumer protection and erodes trust in your services. 
I demand immediate action to rectify this situation. 
XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-01-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (GA)

XXXX XXXX XXXX was supposed to come pick up the XXXX XXXX from my apartment. They are wrongfully charging me for internet usage when I already left my apartment due to my lease being up plus a missing box fee. I spoke with XXXXXXXX XXXX XXXX  and they have called me repeatedly, harassing me for payment when I do not owe them. At all. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (AE)

LexisNexis makes it a hurdle for people who live or are XXXX XXXX  to get their consumer report. Their online process - XXXX XXXX XXXX XXXX to retrieve one 's consumer report only has the standard 50 states. It is missing 'states ' such as AE, AP , and AA.

Which means my actual mailing address will never match what is on their site - since my mailing address isn't one of the 50 states they have available. And I'll continue to get a letter in the mail - that my information doesn't match what they have on file - which has recently happened. 

This affects overseas diplomatic members and people who work the Federal government - including military or civilians.
Consumer complaint received 2023-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

I have submitted my XXXX application for multiple qualifying employers. 
My first PSLF application was submitted on XX/XX/XXXX and is shown it was processed. My XXXX employers were approved starting with date XXXX. However, the problem I have identified is that there are several years of dates that are missing from my tracker/qualifying accounts. My tracker only shows XXXX of XXXX qualifying. Upon reviewing my qualifying payments the following months/years are missing : XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX. I called and filed for a review to look into this XXXX XX/XX/XXXX and nothing happened. 
In addition to the qualifying tracking issue, I called to check on the status of my XXXX  application for my current employer as a government employee at XXXX XXXX XXXX XXXX XXXX ( XXXX ) that was submitted on XX/XX/XXXX. I was told this XXXX application was denied and they did not know why initially. So when I questioned the representative she stated let me look into the application. The rep then stated because no XXXX was included. I informed the rep that was not accurate the XXXX was included the same day by XXXX of XXXX XXXX when I called. I initially submitted the PSLF application for XXXX without the XXXX because I did not have it ; however, I found it the same day of submission and contacted Mohela. Which it shows on my Mohela account that the Mohela rep did in fact add the XXXX on XX/XX/XXXX. So once I said that, the rep then says she see it and it takes 90 days to process. I said well XXXX 90 days is over if I submitted on XX/XX/XXXX. The rep stated the application was just processed on XX/XX/XXXX and that they have another 90 days to update their error. Which I think that is inaccurate. I asked to speak with XXXX and was told she was transferring me to management. Well I was transferred to what must have been an imaginary queue because I was on hold for well over an hour and half and management never answered. 
I believe I qualify for loan forgiveness as I have been employed with public service employers my entire adult life and since XXXX as my first XXXX was approved for. Mohela does not have a clear process on how they properly will review inaccuracies identified for their clients and this is wrong. 

It may also note that XXXX XXXX has my maiden last name XXXX. My current name is XXXX XXXX
Consumer complaint received 2023-07-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

I applied for an extension/forbearance. I was informed that I could forbear for 2-month increments for up to 12 months. My forbearance was accepted for XXXX and XXXX. I attempted to apply again to forbear for another 2 months since I am still unemployed and experiencing hardship. I was told that I need to wait 12 months before I can forbear again. This 1-year waiting period before using another 2 months of forbearance was not communicated to me in either verbal or written review of the terms of the forbearance. When I brought this to the attention of a representative over the phone, I was informed that the complaint would be made, but I would not be able to get additional forbearance until next year.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

Subject : Urgent Request for Removal of Bankruptcy Account from Credit Report I am writing to address a concerning issue regarding my credit report. Upon reviewing my credit history, I discovered that a bankruptcy account is inaccurately listed on my report. This is deeply troubling as I have never filed for bankruptcy, and its presence is severely impacting my ability to access credit and financial opportunities. 

The inclusion of this erroneous bankruptcy account violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which mandates the accuracy and fairness of credit reporting. As a consumer, I have the right to privacy and accurate credit reporting, both of which are being compromised by the presence of this false bankruptcy account. 

I hereby request the immediate removal of the bankruptcy account from my credit report. Failure to comply with this request will result in a violation of federal law, and I reserve the right to pursue legal action if necessary.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-06-10
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: Affirm Holdings, Inc (MD)

I am writing to address an issue regarding a past due payment that occurred in XX/XX/2022. I kindly request your consideration in releasing this payment, as it is the very first late payment in the history of my credit, I have ever had with Affirm or any other company. 

I would like to provide some context regarding the circumstances that led to this overdue payment. It was due to a miscommunication issue that arose between me and Affirms customer service agents. I had intended to activate a service for LSAT purposes, valued at {$90.00}, through Affirm. However, as I discovered later, the service was unnecessary as I already possessed an existing account with LSAT that provided me with the required services Affirm claimed I had used from their purchase, which is not true. Ive contacted LSAT who stated they can not email me anything stating I already have an account and did not open a new one. 

Unfortunately, during the process of canceling the Affirm loan associated with the unnecessary LSAT service, there were some challenges in effectively communicating my intentions to the customer service representatives. As a result, the service was not activated, and a payment was inadvertently missed. 

I sincerely apologize for any inconvenience this may have caused and take full responsibility for the oversight in not ensuring the timely cancellation of the unnecessary service. As a conscientious borrower who has always honored their financial obligations, I assure you that this occurrence was an exceptional circumstance. 

I kindly request that Affirm INC review my account history and consider releasing the 30-day past due payment in question. I firmly believe that this situation is an isolated incident and does not reflect my commitment to meeting my financial responsibilities. Affirm continues to accept new lines of credit for me even though I appeared as untrustworthy to them by inadvertently missing a payment due to a misunderstanding. Moreover, I value the professional relationship I have developed with Affirm over the course of my account tenure. 

I would greatly appreciate any assistance you can provide in rectifying this matter. Please feel free to contact me at your earliest convenience to discuss the details further. 

Thank you for your attention to this matter. I look forward to a prompt resolution, and I trust that we can find a mutually beneficial solution. I appreciate your understanding and cooperation.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

MY NAME IS XXXX XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT.

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Equifax to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. The following account is the one I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MA)

I placed an order on XX/XX/2022 for XXXX in which the credit numbers did not match so they were issuing a new card. But they put this charge on old account ending in XXXX. I then returned some items and paid the remaining balance. However these transactions went against the new account, ending in XXXX. Now I am receiving a bill for the account ending in XXXX which comenity bank claims does not exist. I have had multiple trouble tickets opened since XXXX and have spoken to numerous customer reps and supervisors. Every month I receive a new bill for XXXX plus my new account ending XXXX. I believe this all occurred during a major software update and I keep telling them that this has to go to the computer division to look into their old files and remove this account. I have all dates, names and bills
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was looking on my credit report and Ive notice unauthorized accounts, I have no knowledge of these account, i did not apply for them I have file a FTC I have sent multiple letters XX/XX/XXXX, XX/XX/XXXX and another one XX/XX/XXXX proof of social security card, proof of address, and proof of residency. Company has yet to update my credit profile which is violating my rights as a consumer
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (MD)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Consumer complaint received 2023-01-05
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)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately. 
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 2023-01-05
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: Experian Information Solutions Inc. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$66.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00}