davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX ) XXXX ) ( 2. ) XXXX XXXX XXXX {$1900.00} ( 3. ) XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (GA)

I ordered some items and decided to return them. I used the pre-paid label that they sent and returned the items on XX/XX/XXXX. In XXXX I received a statement charging me for the returned items. I called and informed the company of this. They stated the account would be fixed. Well XXXX months later the account is not fixed and it has been reported on my credit file. I have called the company every month and still no resolution. I recently called the company and they verbally verified that they received the item back on XX/XX/XXXX. However no refunds were issued. XXXX XXXX is the company
Consumer complaint received 2024-01-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: UMB FINANCIAL CORPORATION (MO)

I have completed the mortgage loan application but UMB BANK denied that I completed my mortgage loan application as first time buyer but I believe I was discriminated because I told the agent that I collect social security XXXX benefits and the agent imposed a requirement that I must have current balance of {$600.00} because it was part of the requirements to approve my mortgage loan application as first time borrower but I believe because I collect social security XXXX insurance benefits have led to their denial of my application and the requirements that was imposed on my application that I must have {$600.00} as current balance as part of the application process since I didn't keep a balance of {$600.00} they denied my mortgage loan application and said that my application is incomplete when I filed the ENTIRE application and signed and submitted.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXXXXXX XXXX has updated my wife 's credit report to reflect the XXXX balance on this account, but XXXX has refused to update my credit report as a joing owner even though I've disputed this to reflect a XXXX balance. XXXX is showing I owe XXXX XXXX {$3800.00}. Under the " dispute '' section of my credit report, XXXX reflects XXXX owed to this company because I've filed a dispute with them, but since updating the dispute and resolving it, under the " summary '' section and " credit '' section of my file, they show I owe XXXX {$3800.00}. 

How can I show nothing owed on one area of my XXXX file and {$3800.00} showed on my XXXX credit report and my wife 's XXXX credit report be accurate when it's all the same credit line?
Consumer complaint received 2022-04-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (LA)

I have this collection agency ( Caine & Weiner ) trying to collect a debt they allege I owe to XXXX XXXX but I have asked more than once on the phone and by email what this debt is for as I have no clue and I can not get an answer. When I talked to them on the phone they threatened to mess up my credit.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filled a complaint earlier today and this is pertaining to the same issue. I was charged by XXXX {$750.00} on XX/XX/2022. The charge was made under someone elses name on someone elses app account. I never authorized this charge and the person whos name its under does not have access to my card. The bank linked to the card is capital one. Ive disputed it with them and they are refusing to help me. The hotel, XXXX XXXX XXXX XXXX, confirmed that the other person, XXXX XXXX, did stay there on those days but not only was it booked they a different website, but she uses her own card. Therefore, XXXX its charging me for a booking that does not exist. The resort itself will confirm this. The customer nonservice at capital one cant seem to understand that XXXX and the resort are 2 separate entities so they refuse to contact the resort, who would confirm that the booking is non existent.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2015-06-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (NY)

I held a SLATE by Chase credit card, which was promoted to me by mail several times as being a card to transfer balances 'interest free '' for a period of 15 months. I transferred a balance to my SLATE card, and began making regular payments right away despite the fact that the marketing materials for the card stated that the balance would be interest free for 15 months. In fact, I set my XXXX bank account to make transfer payments directly from my bank account to SLATE so as to ensure speedy delivery. These payments were made regularly. 

One month, I set my Chase account to make a payment to SLATE the day before the due date set on the notice from SLATE. And, according to my banking records from XXXX, that payment left my account electronically the day before the due date on the credit card statement I received from SLATE. 

However, in my next bill from SLATE, I saw that my payment was deemed late and a {$25.00} fee assessed, despite the fact that the payment had been posted as leaving my account a day before the due date required by SLATE, and despite that SLATE 's marketing materials had clearly stated that my balance transfer would be " interest free '', which implies that no fees would be assessed either. 

I called SLATE customer service and tried to resolve this matter because it was clear that I had indeed paid by the due date, and have the charge reversed, but was told that even though the payment was posted from XXXX a day before SLATE 's due date, the due date was on a weekend and therefore I was responsible for having the bill posted earlier than the day before, to allow for weekend interruption. 

XXXX I do not see how that is the consumer 's responsibility to post money PRIOR to a due date provided by SLATE, and XXXX it seems clear to me that SLATE likely did indeed have the money as my XXXX statement indicated that the amount had left my account on a business day, but is taking advantage to charge onerous and unnecessary fees to consumers. 

I explained to SLATE that I disagreed with this charge and disputed it, and would be closing my account. I paid my balance in full, except for the disputed {$25.00}. Instead of removing the {$25.00} charge, or at the very least keeping the matter at the {$25.00} fee in dispute, SLATE now charges me an extra {$15.00} every month related to my good faith dispute. My current balance- despite having paid my balance in full and closed my account several months ago and having made no additional charges- is {$55.00}. Therefore, I am being charged an interest rate of over 100 % for good faith dispute of a charge. 

I have called Slate 's customer service line to discuss this, but have not received a live human to speak to, and because my account is closed, the system does not seem to recognize my old account number. 
.
Consumer complaint received 2018-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

I have continually been employed in Public Service since my student loans entered into the repayment phase and this has been accepted by my lender. I was told by my lender that my first three years of FULL loan repayments would be counted retroactively towards my Public Service Loan Forgiveness program once I was accepted to the PSLF program. Now I am being told that because I wasn't first registered in a preferred repayment plan such as the Income Driven Repayment Plan, these three years of on-time and FULL payments will not count as qualifying payments. I've been told that I've lost out on approximately 36 payments I've already made of my required 120 overall payments for PSLF. I paid the full amount monthly for three years which is greater than those monthly amounts required by plans such as the Income Driven Repayment Plan. This makes absolutely no sense and is a substantial time delay in my repayment process. Information given to me as I signed up for PSLF was inaccurate.
Consumer complaint received 2022-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-13
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. (CA)

I am writing to report a severe identity theft incident stemming from a data security breach involving XXXX XXXX XXXX, impacting me as a subscriber to XXXX XXXX of California since XX/XX/XXXX. This breach has led to a global compromise of personal information, severely jeopardizing my safety. 

The breach exposed sensitive data, including my social security number, account number, banking details, credit and debit card information, date of birth, health insurance, provider name, prescription details, and other personal information. Subsequently, this breach has affected my social media accounts, credit accounts, and billing accounts. Furthermore, I have discovered unauthorized debt collections on my account that I had no prior knowledge of. 

This incident has not only compromised my financial security but has also caused distress and uncertainty about the misuse of my personal information. I am taking immediate steps to mitigate the impact of this identity theft, including working with law enforcement, financial institutions, and credit bureaus. Additionally I've reported this incident with the FTC Identity Theft service and have attached documentation that supports my claim. 

Upon learning of this data breach I found the following inaccurate damages to my credit report that should not exist under the law 15 U.S.C 1681. 

THE ACCOUNT BELOW ARE NOT ACCURATE AND ARE THE RESULT OF MY INFORMATION AND DATA BEING BREACHED XXXX  XXXX Balance {$350.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX Balance {$620.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$370.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$420.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX Balance {$120.00} Balance updated XX/XX/XXXX XXXX XXXX  Balance {$630.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX LATE PAYMENT XXXX XXXX XXXX Original creditor XXXX XXXX  Balance {$3200.00} Balance updated XX/XX/XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$2200.00} Balance updated XX/XX/XXXX I request prompt intervention and investigation by the Consumer Financial Protection Bureau ( CFPB ) to address the implications of this breach and to ensure that appropriate actions are taken to prevent further misuse of my personal information. I appreciate your attention to this matter and look forward to a swift resolution.
Consumer complaint received 2022-04-15
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. (OH)

XXXX XXXX EXPERIAN ALL FAILED TO REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT AS REQUESTED. 

XXXX XXXX # XXXX XXXX XXXX
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (TX)

1. Amount of debt reported as owed is unverified 2. Inaccurate unverified and missing payment dates reported 3. Inaccurate unverified and missing payment amounts reported 4. Unverified reporting of address associated with the account 5. Request for documentation of a original consumer contract being signed agreeing to the debt have gone unverified. 
6. On XX/XX/22 The credit bureau was supplied A police report and identify theft were supplied verifying l did not authorize this account and it was acquired without my knowledge or concerns. 
7. Each requests for valuation of the debt have gone unverified.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

15 USC 1681 Section 602A, states I have the right to privacy.

15 USC 1681 604A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX Acct # XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, have violated my rights. 

15 USC 1681 Section 602A, states I have the right to privacy.

15 USC 1681 604A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NY)

I have a student loan with Nelnet that was originally with the Department of Education. There was a late payment reporting from Nelnet to XXXX before Nelnet even had my loan. Nelnet never asked for my permission nor did they give me an opportunity to opt out of said reporting. Instead, they claimed that I agreed to give them that right. However, under the FCRA, I have RIGHT to opt out, and to deny permission of any reporting. I also MUST be given notice before any reporting takes place. I am making a simple request for Nelnet to follow procedure in this matter pursuant to 15 USC 6802. They have already ignored my messages to them and are still reporting on this alleged late payment when my loan was being serviced by another corporation. 

Below is my attached email from over 40 days ago which was never responded to or addressed.
Consumer complaint received 2022-04-15
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. (NM)

On XX/XX/2020 I established a store credit card with XXXX XXXX XXXX XXXX XXXX the breakout of the 2020 COVID pandemic, I was too afraid to check and even touch my paper mail. As though did every business, I also spiraled in figuring out how to keep our institution/ business connected, and as a manager of an essential business, configuring remote employees, while ensuring my own children remained connected for schooling, was my upmost concern, as so was it for all of America . After realizing that I had gone severely DQ, with this credit card, months later, I pleaded that they please remove this negative reporting. After submitting I would say my second dispute, I found that not only did my plead go unheard, but a DUPLICATE negative account reporting appears on my credit report. They are negatively impacting my credit. It also feels like retaliation due to my multiple requests to remove or consider these accounts. I have not to date received anything in the mail, in writing. The online dispute responses are always unavailable, and if it exists difficult to retrieve. I have been unsuccessful in understanding, why they can not consider my situation, why is there a duplicate negative reporting.
Consumer complaint received 2022-04-15
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. (NM)

On XX/XX/2020 I established a store credit card with XXXX XXXX XXXX XXXX Amidst the breakout of the 2020 COVID pandemic, I was too afraid to check and even touch my paper mail. As though did every business, I also spiraled in figuring out how to keep our institution/ business connected, and as XXXX  XXXXXXXX XXXX an essential business, configuring remote employees, while ensuring my own children remained connected for schooling, was my upmost concern, as so was it for all of America . After realizing that I had gone severely XXXX, with this credit card, months later, I pleaded that they please remove this negative reporting. After submitting I would say my second dispute, I found that not only did my plead go unheard, but a DUPLICATE negative account reporting appears on my credit report. They are negatively impacting my credit. It also feels like retaliation due to my multiple requests to remove or consider these accounts. I have not to date received anything in the mail, in writing. The online dispute responses are always unavailable, and if it exists difficult to retrieve. I have been unsuccessful in understanding, why they can not consider my situation, why is there a duplicate negative reporting.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

I booked a hotel stay through the American Express XXXX XXXX XXXX XXXX program on XX/XX/XXXX, for a stay at the XXXX XXXX DC from XX/XX/XXXX - XX/XX/XXXX. 

American Express 's stated ( among other benefits ) the following benefits for the XXXX XXXX XXXX XXXX program : {$200.00} in statement credits each year on prepaid bookings with American Express XXXX XXXX XXXX for two {$100.00} experience credit I received the {$200.00} statement credit upon prepayment. 

I discovered that I was charged {$170.00} upon checkout on XX/XX/XXXX, including {$160.00} for room service breakfast for both days. I called American Express on XX/XX/XXXX, and spent 26 minutes on hold while they researched the benefits. They were unable to provide me a satisfactory explanation as to : 1. the reason for charging breakfast, which should have been included 2. the reason the experience credit was not applied, if breakfast was not included I believe this to be a clear violation of the benefits that are stated directly on their webpage : I was advised to call back to start the entire process over again. 

https : //www.americanexpress.com/en-us/travel/benefits/how-to-use-hotel-credit/
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (FL)

Im really grieved and exhausted at my experience with NCB MANAGEMENT I was unfortunately a victim of identity theft. I have a mother who has XXXX and a child with XXXX so its really hard and very challenging to battle back and forth with this agency. I sent a letter to this agency with a certified return receipt. That indicates the letter was signed for an received on XX/XX/22. In the letter I Included a copy of my identity theft affidavit. Im simply asking for this account to be remove from my report. Its been well pass 30 days and Ive received no response.
Consumer complaint received 2021-08-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a victim of identity theft. Due to the XXXX XXXX XXXX, 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 Credit Bureau 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.