davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-02
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)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2018-08-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The Bank of America Preferred Rewards program advertises for platinum-tier members a 50 % bonus on eligible cards, which the Premium Rewards card is among. After reviewing all related terms and conditions, I found no clear indication that this 50 % bonus excludes the reward granted for spending {$3000.00} in the first three months of membership.

Not wishing to act on misinformation, I sought and obtained the assurance of as many as four branch representatives that my interpretation of the terms was correct and that I would indeed obtain a 50 % bonus on the reward received for spending {$3000.00} in the first three months of membership.

Although initially I contacted a representative of the credit card itself, she could not state with certainty whether the reward would apply and had advised me to visit a branch location for further confirmation -- which, as described above, is exactly what I did.

Despite the certainty of the branch representatives, it turns out we were all deceived. ( I assume none of the representatives were intentionally lying to me. ) The advertising and the terms and conditions of all relevant programs -- their Preferred Rewards program and their Premium Rewards credit card -- are sufficiently ambiguous that even Bank of America 's own employees failed to interpret them accurately.

Needless to say, I feel cheated.
Consumer complaint received 2020-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP (NJ)

I am disputing a letter that I received from a collection agency for a debt that I never had.I have been victim of ID fraud and I am disputing this collection as fraud ID theft. Please close the account and remove the entries from my credit report from all 3 credit bureaus
Consumer complaint received 2020-02-02
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. (NJ)

Okay this is my third complaint against Equifax. They have not fixed my credit report as of yet. I have called and they said that they would have it done in XX/XX/2019. They also stated over the phone they removed a credit freeze. I just pulled my credit report and nothing has changed. I have two negative accounts and no history that they removed.
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I would like to report that there are falsely placed information in my account. I already sent messages to the bureaus months ago but they did not do anything to remove and correct the false information in my credit. I attached the letter with the accounts written to this report i am making.
Consumer complaint received 2020-08-01
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: JPMORGAN CHASE & CO. (DC)

Chase offered XXXX points for opening a new mortgage for cardholders with the Chase Sapphire Reserve credit card. I applied for the mortgage through my Chase " Just for You '' section of the website which referred me to a local Chase representative. I completed my condo purchase with the new mortgage on XX/XX/XXXX. After waiting 60 days past closing, I reached out to Chase numerous times to determine the status the points. I also reached out to the Chase " Sr. Home Lending Advisor CPC '' XXXX XXXX on multiple occasions, but he did not address the request. I also inquired with XXXX XXXX. 

Dates of communication are listed below : XX/XX/XXXX -- E-mail to XXXX XXXX XX/XX/XXXX -- E-mail to XXXX XXXX XX/XX/XXXX -- E-mail to XXXX XXXX XX/XX/XXXX -- E-mail and Phone call to XXXX XXXX and XXXX XXXX XX/XX/XXXX -- E-mail to XXXX XXXX and XXXX XXXX I am requesting that Chase apply the rewards points associated with the mortgage to my account. 

Thank you
Consumer complaint received 2020-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

XXXX  XXXX  has assigned CBHV ( Collection Bureau Hudson Valley ) collection reference no XXXX, Account # XXXX, Collection amount {$39.00}, I was XXXX XXXX  customer for years, in XXXX i moved to a different location where they didn't have XXXX  rather that place had XXXX  therefore i called XXXX  disconnection dept to get the internet disconnected a week earlier from the last day i had already paid them for the month do disconnect in advance, they asked me my new address and confirmed that they do not operate in that area and after all said and done they refuse to disconnect my internet on that specific date as i had the no contract internet which i can disconnect any time as per terms and cons of XXXX, i had to spend 1 hour arguing that why are you forcing me to call at later date as i have the right to disconnect today, after all said and done they did not disconnected the internet on that day and closed my account next month, after a 2 months i have received debt collector letter to pay amount or they have written in big bold letter that it would be sent to your credit beuro, i disputed this charge but they are not even bothering to listen or respond and keep sending robo calls on my phone nos harnessing me to pay or it would be sent to credit beuro
Consumer complaint received 2023-03-17
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. (ND)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following creditors have violated my rights. 

Creditor : XXXXXXXX XXXX Account number : XXXX Amount : {$390.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3200.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$260.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3400.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3900.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$520.00} XXXX Creditor : XXXX XXXX  Account number : XXXX Amount : {$330.00} Date : XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had filed a police report as well to my local Bank of America about the funds that was stolen. The total amount was XXXX with the claim number being # XXXX. Also my local branch was found to of have had skimmers on all there ATMS outside the branch. Again our local authorities were notified right away. So upon all this Bank of America was fully aware about my card that was previously stolen from me was never even turned off or they never terminated it. I also filed a complaint as well about the card never being deactivated. Long story short I have refiled this claim several times and was denied all times. 
Thank you sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

when asking XXXX  to remove address they just change my address by combining the zip codes false removal process please have them correct it see attachments all ftc filed : XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute OFFICE OF THE ATTY GENERDispute U.S. DEPARTMENT OF EDUCATION
Consumer complaint received 2020-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Over the past 3 months I have been sending letters to Transunion to correct my credit report. They simple send letters back saying that the accounts are verified, who is verifying! They are in violation under FCRA 611 ( a ) ( 7 ) and have not deleted the following account : XXXX XXXX : reinstated on my credit report without a written 5 day notice This is a violation of the FCRA 611 a 7 and I want Transunion to correct the violation so no other action will be required.
Consumer complaint received 2018-08-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (NV)

AD ASTRA RECOVERY SERVICES, INC was collecting money on the behalf of XXXX XXXX. They turn this account over to XXXX, XXXX XXXX XXXX XXXX. The account has been paid in full ( {$2600.00} ) File # XXXX on XX/XX/2018. I have checked my XXXXn credit report and this company AD ASTRA RECOVERY SERVICES , INC name is on my credit report still reporting a balance of {$110.00} when it has clearly been satisfied. I have a letter from the above attorney office which states the debt has been satisfied. This incorrect reporting of inaccurate information need to be removed immediately from all three credit bureaus.
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I go to log on to the Trans Union site for a credit freeze it refuses to except my current username and password even though I am 100 % sure I have entered it correctly. Also, after answering several security challenges questions correctly, Trans Union locked my account and requests that I mail them a photocopy of my drivers license, utility bill and social security card. I do not have a social security card, so my account has been frozen by Trans Union permanently in error. 

I believe this is a blatant attempt by Trans Union to force a consumer to pay to have their account unlocked or lift a freeze by purposely and falsely not recognize someones correct username and password or security questions. 

I have written to my congressmen to hold hearing into these tactics taken by the 3 credit bureaus which a falsely locking consumers accounts so that they have to pay for one of their security programs. Hopefully, they can prevent this type of consumer abuse in the future.
Consumer complaint received 2020-07-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO. (PA)

I am trying to contact Ford Motor Credit. I have an account with them. Account information is : ACCOUNT NUMBER : XXXX, MAKE AND MODEL : XXXX XXXX XXXX, OPENED ON XX/XX/2019, HOGHEST BALANCE {$11000.00}. I have been turned down from several lines of credit because of their error. 

They are reporting a late payment pn XX/XX/2019, which is not accurate. 

They are being negligent, unfair, and also they have failed to investigate my dispute that was sent back on XX/XX/XXXX. 

I am opened to discuss this with Ford, rather by email. 

Please send the attached documentation to Ford Motor Credit. 

Thank you, CFPB.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC. (IL)

During the month of XX/XX/2018 Navient reported to the credit bureaus $ XXXX balance and late 90 days. During the month of XXXX, I called in to report my loss of income and could no-longer make the payments. I was told I would get a payment reduction plan {$0.00} payment. Navient has note of the conversation but then stated they never offered me a payment reduction plan. I expressed to 3 supervisors and 4 associates this inconsistency in communications has now affected my current resident agreement. The reporting had caused my credit score to drop 73 points. I then tried to make the payments in hope to rectify the incorrect reporting but nothing happened or a response to my issue. I then spoke with a representative whom stated I should send a letter to dispute the incorrect reporting and request a reversal. The rep. also would note my account to get the reporting reversed. I called the number provided to the department and no one called me back after 5 messages I left. No one ever picked up the phone for the ONLY department that deals with credit reporting or reversal. The letter arrived and uploaded to my account which I could view. I spoke with the same rep. whom stated my case was pending. The letter was removed from my account after a week and no rep seem to have any information regarding the letter of dispute being on file. I made additional payment, which I was in no financial position to do and still no response from the department regarding my dispute. All three supervisors were very rude and dismissive of the severity of my case. One supervisor repeated himself over and over when I asked for a manager, another manager stated I need a COURT ORDER to retrieve the phone conversations I've had, the last supervisor said there is no need to discuss it further because there was nothing that department could do but transfer me back to the department that was unresponsive. The supervisor team were less helpful than the representative. I've never felt more abused and disregarded in customer service than I have with Navient. Due to this awful experienced I was forced to vacate my residence. The lack of responsive of customer complaints are none at all. Navient is a horrible company and I will advise all to finance with another lender if possible as they change the rates, payment agreements and do not respond to questions, concerns or complaints. Please shut them down. An organization like this should not be in business, especially dealing with students finances and credit.
Consumer complaint received 2018-08-21
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: LoanCare, LLC (NV)

Loancare continues to report my information to the credit buro as Foreclosure proceedings started to XXXX into the month of XXXX. 

I sent a letter to the credit buro asking for recognition of foreclosure rescinded, including court print out and this has been ignored and Loancare has confirmed inaccurate information bringing yet further damages to my well being and financial situation.
Consumer complaint received 2022-07-25
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. (CA)

sending to them? I have been requesting that the Credit Bureaus update the disputed account to appear accurate information on my Credit File, but despite all my efforts, the Credit is yet to respond to my letters. The XXXX credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX {$280.00}
Consumer complaint received 2018-08-21
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Associates Loan Servicing LLC (NC)

I enrolled in an online class in XXXX, and the loan was through XXXX XXXX for around XXXX. I was unable to finish the class. I contacted XXXX in XXXX to pay the loan or come to so type of agreement. An agreement was reached or at least that was what I thought, the company withdrew the amount I agreed to pay five times within three days. Since this time I have not been able to reach any type of agreement with this company. 

Now they are reporting on my credit report as an open account in the name of First Associates, and reporting late payments every month since XXXX. The interest has risen to XXXX and the fees add up to XXXX bringing my closed account up to XXXX. 

I need help to get this company to report the right status and right account on my credit report because of their negative reporting and misleading reporting has cause me great harm and a tremendous lost of a home I was attempting to purchase. 

My name is XXXX XXXX, and my email is : XXXX. 


Thanks for your time, XXXX XXXX
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CL Holdings LLC (GA)

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This happened on XX/XX/20 and XX/XX/20. On XX/XX/20 I went to the Capital One credit card website to find an ATM that died not charge for cash advances. It said XXXX ATMs do not charge a fee. However when I withdrew the {$20.00}, it charged me {$4.00}. So after that I had {$10.00} available credit. I just spent {$3400.00} cash, all to my name moving this weekend and was planning to use the remaining {$10.00} from my Capital One card for groceries. I go to XXXX supermarket and try to charge {$10.00} in a line filled with customers and it declines! I then said try {$9.00} because I checked earlier and {$10.00} was available. I swiped the card for {$9.00} and the clerk said that also declined. I immedilogged into the Capital One app to see what was going in and it said I had been charged another cash advance fee, this one was now {$10.00}!!!! Luckily a guy behind me offered to pay for my groceries, I was so embarrassed. I then called Capital One and spoke to a supervisor and he said they do charge a 3 % cash advance fee or {$10.00} whichever is greater. I told him I was already charged {$4.00} at the actual ATM that was listed for free withdrawals, and asked him if he could issue a one time courtesy credit for the {$10.00} credit since I was unaware of the charges that would incur off of a {$20.00} withdrawal. He said he could not. I told him taking out a total of {$14.00} is ridiculous on an only {$20.00} withdrawal and immediately told him to close my card. I want something done about this. This is ridiculous to let a credit card company get away with charging that much for a {$20.00} cash withdrawal.

If you chose to investigate the last 4 digits of my card were XXXX. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2020-02-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (LA)

I leased a XXXX XXXX XXXX through Mazda Capital Services ( Chase  ) and received my first bill on XX/XX/XXXX. I opened my statement dated XX/XX/XXXX and to my shock saw the payment due date was XX/XX/XXXX, just two days after the statement rendering. The payment was already late by the time the bill got to me. 

I called XXXX and spoke with a Chase representative ( XXXX XXXX ) who was equally surprised by the chain of events. He advised I had not been assessed late fees and that our credit files had not been impacted by the situation. I made a payment over the phone that he indicated would reflect a XX/XX/XXXX posting date. All of this left me very un-nerved and I hope that he is correct.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is disappointing seeing the Credit Bureaus do their best at nothing to correct my Credit file. I have beeen requesting that the Credit Bureaus delete the items I am disputing to correct my Credit Report from fraudulent information. The most recent letter I sent was XX/XX/2022 yet another request to remove the names, addresses and accounts that are completely UNKNOWN to me. I have read enough to understand my rights and according to FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than XXXX business days after XX/XX/2022. Ive already included this in my previous Complaints & I am including it again : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  CI XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX COMENITY XXXX XXXXX Balance {$0.00} XXXX XXXX XXXX  XXXXX Balance {$770.00} XXXX XXXXX XXXX {$0.00} XXXX XXXXX Balance {$850.00} XXXXXXXX XXXX, XXXX XXXX Balance {$83.00}