davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
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 — Investigation took more than 30 days
Company: Nelnet, Inc. (IA)

Firstmark Services is reporting my accounts with them to the credit bureaus twice which is negatively impacting my score, because it is saying that I have been past due on 5 accounts when it's really only 3 accounts, of which 2 are with Firstmark. I have 2 accounts with Firstmark and on my credit report it is saying I have 4. They originally reported the two accounts under FirstmarkXXXX XXXX XXXX XXXX XXXX In XX/XX/2021 I filed a complaint with the CFPB about the credit bureaus reporting on accounts that had incomplete paperwork. XXXX agreed with me and deleted the Firstmark/XXXX  accounts from my report. XXXX and XXXX said that they couldn't delete the accounts until Firstmark told them to, regardless of what documentation I send them. Firstmark didn't like that the accounts were deleted, so they re-reported the EXACT SAME ACCOUNTS but under a new name, FM/XXXX XXXX XXXXXXXX XXXX They did not delete the accounts under the XXXXFirstmark name with XXXX and XXXX prior to reporting the same accounts under the FMXXXX XXXX XXXX name , so now the accounts are listed twice. I have disputed this with XXXX adn XXXX twice, but they keep coming back that Firstmark verified the accounts, so they won't delete it. I have no idea how they're verifying I have 4 accounts when I clearly only have 2. I called into Firstmark this morning and spoke to 2 customer service agents who both agreed I only have 2 accounts but refused to investigate or help. They said that I had to send in a copy of my credit report to them, highlighting where the duplicate accounts are. When I asked why they can't investigate themselves since it's their mistake, and they're the ones reporting it, the agent just said 'this is customer service 's process '. They have been duplicate reporting since XX/XX/2021 and are refusing to fix it. Firstmark has the absolute worst customer service, and I would know because I worked in finance for over 10 years. We would never allow customers to be treated this way. I have no idea how this corrupt company is even allowed to still be open. I just want my credit report fixed, so I can move on from this nightmare that is Firstmark Services.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BOK FINANCIAL CORP (OK)

I was pre-approval for a conventional loan. Turned in all the documents I needed for the loan. 2weeks before closing. I received a phone call saying bank of Oklahoma could not move forward on my loan. I am a first time home buyer and was very stressed. I told the lender, I am driving and would have to talk later. She then sent me a email that said my debit to credit ratio was a issue. I ask why is this just now a issue 2weeks before I close on my house.
Consumer complaint received 2019-08-19
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: JPMORGAN CHASE & CO. (WI)

I have purchased a refrigerator and a gift card from XXXX on XX/XX/19. The listing said that I can either pay $XXXX for a refrigerator  or pay $XXXX and receive a gift card for $XXXX. I did not receive a gift card from XXXX. I did dispute it with the credit card who stated that they cannot help me, because the refrigerator was delivered (smaller part of the package I have purchased.
Consumer complaint received 2019-08-19
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. (GA)

I submitted a dispute to Experian on XX/XX/2019 and received the results dated XX/XX/2019 Report Number XXXX and accounts listed below were deleted.  The accounts were placed back and I was not ever notified in writing per FCRA which does not meet ethical business practices.All deleted from report number XXXX Dated XX/XX/2019XXXX Acct XXXX- Deleted XX/XX/19XXXX XXXX XXXX XXXX-XXXX-Deleted XX/XX/19XXXX XXXX XXXX- Deleted XX/XX/19The above referenced accounts are listed on my Experian report XX/XX/19 report XXXX for XX/XX/19 and should not be there.  I keep great records but unfortunately overlooked this wrong business practice months later.
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Army and Air Force Exchange Service (VA)

I am being threatened with Administrative Wage Garnishment by XXXX XXXX XXXX XXXX On behalf of the Army Aand Air Force Exchange Services ( AAFES ) for an alleged debt that is almost 7 years old. The Notice of Intent was sent to an address to which I have never been affiliated, and opened by other persons, not myself, constituting disclosing the fact that I allegedly owe a debt, the amount of the debt, to whom it is allegedly owed, who I am, and other personal information. 

The address to which the Notice of Intent was sent belongs to relatives, which is how I was notified of it's improper delivery. I only became aware of the Notice of Intent this XXXX of XXXX XXXX when the letter was sent on the XXXX of XX/XX/, and my response was required by the XXXX of XX/XX/. I was not afforded proper 30 days under applicable code to respond to the Notice of Intent. 

This is a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly delete this immediately : XXXX XX/XX/2022
Consumer complaint received 2020-09-08
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: Experian Information Solutions Inc. (KY)

I am not disputing the bankruptcy that is showing on the report, however, it has been almost 10 years, and chapter XXXX should drop off at 10 years. I would like Experian to consider deleting the entry all together so I can build better credit. The 10 year period ends XX/XX/2021 which is only just over 3 months away. The bankruptcy was also filed as a chapter XXXX which should only show 7 years on a credit report. Please review and consider deleting the entry.
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (WI)

Venmo changed their terms. They are attempting to bypass judicial review of issues including barring users from joining class action lawsuits. They allow users to opt out only by printing and mailing in a form. 

Form : XXXX XXXX XXXX XXXX causing this issue : Affects your and our rights and will impact how claims between you and us are resolved, including your and our agreement to waive the right to trial by jury. 

Includes a Prohibition of Class and Representative Actions and Non-Individualized Relief pursuant to which you agree to waive your right to participate in a class action lawsuit against us. 

Requires you to follow the Opt-Out Procedure to opt-out of the Agreement to Arbitrate by mailing us a written notice. If you are a new user, the opt-out notice must be postmarked no later than 30 days after the date you accept this user agreement for the first time. 

If you are a current Venmo user and previously accepted the User Agreement prior to the introduction of this Agreement to Arbitrate on XX/XX/2022, the opt-out notice must be postmarked no later than XX/XX/2022.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I had a vehicle lease through NMAC ( Nissan Motors Acceptance Corporation) for 36 months, my lease ended XX/XX/2019, I had called Nissan several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XX/XX/XXXXand XX/XX/XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019( still within my grace period). About 3 weeks later I received several phone calls from a rude agent named XXXX  from Nissan Collection department stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to Nissan. After going back and forth with me for several minutes I decided that I didn’t like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that NMAC reported a late payment (30 days past due) to all 3 credit bureaus; at this point, I was livid I called NMAC again the representative told me that I have never been late and he does not know what I’m talking about. All the employees are so rude ( XXXX, XXXX) and do not care to properly answer any of the questions asked by the customer.  It is unfortunate that a big company like NMAC chooses to report fraudulent information on people’s credit report. NMAC is nothing but FRAUD FRAUD FRAUD!
Consumer complaint received 2021-06-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i got and payday loan in XXXX for XXXX at XXXX XXXX in XXXX ca XXXX of XXXX and its appears on my credit report as i got the loan on XX/XX/XXXX that's not correct i informed the credit bureau of this i sent information that this information is not correct and the credit bureau came back with this account has been verify this is not correct and i let the credit bureau know that this information is not correct and also i contact XXXX XXXX  and basically they said they cant help due to they passed this claim on to the XXXX XXXX XXXXXXXX XXXX i then contact the collection which is XXXX XXXX XXXXXXXX XXXX and let them know the information is wrong and to please stop reporting wrong information and also asked for the contract and they didn't response
Consumer complaint received 2020-07-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I opened an account for Capital One for a credit card in XX/XX/XXXX. I made on time payments but there were 5 months between XX/XX/XXXX and XX/XX/XXXX that I did have late payments. 

However in XX/XX/XXXX I made a payment arrangement with capital one to pay {$50.00} a month until the debt is paid off. I paid {$50.00} on time from XX/XX/XXXX to XX/XX/XXXX. The company did not inform me that each payment I made was hurting my credit. If I knew that I would have never made one payment. I now have 37 charge offs on my account for just this one bill. My husband and I recently found out our landlord is selling the house we are in and we are trying to get pre-approved for a home and this is one thing that is preventing us from being able to move. 

I settled the debt with Capital one for {$420.00} of the {$1200.00} I had left on the balance to avoid any further charge offs that could hurt my credit. Now the debt is paid off but the balance still says {$780.00} on my credit report. I understand that I made the changes in XX/XX/XXXX to settle it so it may take until XXXX to clear it but I want the 37 negative marks removed. When I call the company they don't have anyone I can talk to that understands how the credit is reported. I am a HXXXX XXXX  XXXX myself and I know how read client 's credit reports and when I discovered this ... I regret that I paid them a dime. 

Please help me so I can get pre-approved. My credit is behind 18 points and I have paid off all debts besides my student loans.
Consumer complaint received 2017-10-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (MI)

Discover Student Loans charged off my student loan in XXXX of XXXX. Due to a chapter XXXX bankruptcy, they were unable to collect on the account.Upon dismissal of my bankruptcy case, Discover harrassed myself and family members several times per day to collect on the account. 

I sent in payment in full on XX/XX/XXXX in the amount of {$6100.00}. Discover cashed the check on XX/XX/XXXX but failed to apply the payment to my account and claims they have no knowledge of the payment. 

In response, I submitted the copy of the check to Discover as proof of payment. Discover continues to fail to acknowledge proof of payment and the balance remains outstanding and a negative mark on my credit report.
Consumer complaint received 2021-12-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (LA)

On XXXX XXXX I received a collection notice from AFNI COLLECTIONS in regards to doing business with XXXX XXXX XXXX  XXXX in the amount of {$7000.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692k CIVIL LIABILITY consumer is requesting {$1000.00} USD for violating me directly and causes of mental confusion and stress.
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I am waiting for a refund from XXXX XXXX XXXX {$440.00} and {$340.00} XXXX sent to my canceled Chase XXXX visa card ending in XXXX. 

Nobody I contact on Chase support via phone is able to locate this credit card, likely because the card was closed in 2019. 

Chase is unable to locate my account and unable to verify to XXXX that they did not receive a refund. Chase has told me numerous times that they would look into this for me but I have never received word back from Chase. Chase phone reps have stated that they can not and will not issue any communication to XXXX regarding the status of any rejected refunds issued in my name, nor will Chase be willing, according to the many phone reps I have had to speak with, to do a three way call with myself, Chase, and XXXX. I expected much better from the world 's largest retail bank.
Consumer complaint received 2020-12-08
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. (MN)

On XX/XX/2020 I bought 4 bras under a buy one get one free promotion. I received a total of 8 bras eventually. However, only 3 of these 8 bras were the style I ordered. I decided to return the 5 bras that were not the style I wanted or ordered. The order for the 3 bras was {$40.00}, {$40.00} and {$28.00} for a total of {$100.00}. 

I have been paying {$35.00} on the bill since XX/XX/2020 XXXX for 4 months ) 4x {$35.00} = {$140.00}.

Comenity, however, claims I still owe them {$69.00}. According to them, they gave me a {$36.00} credit on XX/XX/2020, but this does not correspond with the original order. Then on XX/XX/2020 they charged me a late fee of {$35.00}. I asked them to remove this late fee. 

This does not make sense. I have three bras, one should have been free, and I should have been only charged for 2 at the price of {$40.00} each for a total of {$81.00}. Instead, I've been paying {$35.00} a month for the last 4 months which totals {$140.00}, and they are still claiming I owe them {$69.00}.

They owe me {$58.00} and my other free bra per the promotion. 

When I talked with Customer service many times, they said I sent in all 5 bras have been accounted. 

Comenity is over charging me, and I don't understand why. 

My frequent communications with XXXX/Comenity have not resolved this issue. 

I'm attaching 3 documents 1 ) original credit card order 2 ) my first letter to XXXX 's 3 ) XXXX 's response
Consumer complaint received 2019-08-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

In XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX of XX/XX/XXXXI was laid off from my job, I called Santander to notify them that I could no longer make my car payments. The representative asked if I wanted the car repossessed. I did not know how to answer that question because I thought to myself that a repossession would be one of the worst things that could ever happen to me financially. I asked if there was a hardship program or if there was anyway I could skip one to two payments until I got back on my feet and was able to secure employment. The representative on the other line was heartless and said no. I then asked to speak to the manager and the representative said no, I am the manager and refused to transfer the phone call to a higher level personnel. This incident led to Santander reporting 3 late payments on my credit file which resulted in my credit score dropping below 450. I have been denied a house, apartment and education loans because of the negative payment history reported by Santander USA. Now in recent times on XX/XX/XXXXI gave XXXX  to my daughter. Unfortunately I experienced XXXX after the XXXX  which led to deteriorating in my health. This decline in my health resulted in me not being able to make my car payment on time. So as of today I have 4 late payments that Santander USA has reported negatively to the 3 credit bureaus. I have disputed the payment history several times and have called them to resolve this issue on many occasions and they have refused to cooperate with me. I feel like the negative reporting has resulted in my credit score being so low which has effected my life in a bad way. All I am asking for at this point is a second chance.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (TN)

Jefferson Capital Systems bought old XXXX  account, opened originally in XX/XX/XXXX.It is since shown as paid off and closed on my credit report report from my XXXX.Jefferson Capital Systems started the date the about was opened as XX/XX/XXXX and shows a balance of $XXXX!I believe this must violate some part of the fair credit act to put such blatant false information on my credit report.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (IL)

I am writing to address a critical issue regarding my recent GM Business Card application for XXXX XXXX XXXX XXXX, with principal owner XXXX XXXX. Regrettably, I must express my dissatisfaction with the handling of my application by your underwriting team, resulting in its denial on grounds of inability to verify identification information. It is imperative to clarify that I diligently submitted all requisite verification documents to your team, ensuring clarity and legibility for review. Thus, I find it incredulous that my application has been denied on these grounds. 

In response to your team 's suggested resolution, I wish to emphasize that there are no discrepancies within my online credit reporting agencies, including both personal and business information. As reiterated to your customer service representatives, I maintain meticulous oversight of my consumer credit reports, and there are no locks impeding Goldman Sachs from accessing necessary information for verification purposes. 

In light of the foregoing, I urgently request that a senior executive within your organization undertake a thorough review of my initial application and provide transparent clarification regarding the purported verification issues. Should there be any legitimate impediments in verifying my information, I implore you to elucidate them explicitly.

Given the clarity and comprehensibility of the information provided to your underwriting teams, I am confounded by the denial of my application. I emphasize that this correspondence represents my first attempt to resolve this matter, which has arisen due to the mishandling by your internal underwriting teams. Prompt attention to this matter is imperative, and I anticipate a swift resolution that aligns with the standards of professionalism and efficiency expected from a reputable institution such as Goldman Sachs.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (TX)

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

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

- I have dispute several times with Transunion my account already closed in XXXX. I still keep disputing this with XXXX, but it has been demonstrated the account was paid in full, and the last dispute with Transunion is showing that information. However, they keep showing in the remarks it was paid less than full balance. Attached doc. - From my loan with XXXX company, I'm missing at least one payment in my transunion report. This payment was done and reported by the company. Attached doc.