davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

My Perkins Loan, which I took out as a student at XXXX University in 2010 was wrongfully submitted to a debt collection agency. All of my loans are consolidated and I make monthly payments to it through XXXX XXXX. For some reason, this was not included in that. However, XXXX never reached out to me to make a payment to this loan and marked it as delinquent and submitted it to a debt collection agency. When I was contacted by this agency, they had added quite a bit of fees to it. In addition, it harmed my credit score. I tried to reach out to XXXX to resolve this issue and after bouncing from several different places ( I was always forwarded to a different contact that could " potentially '' help me with the issue ) I was told that the only way this could be resolved was if XXXX withdrew the submission from the debt collection agency. Since that point ( about 3 weeks ago ) I have been trying to reach someone at XXXX to resolve this issue so I can pay the loan in full and work on fixing my credit. However, they keep telling me someone will reach out to me with an answer and I never receive an answer from them. I have tried to reach everyone I can at XXXX and at this point, I am simply trying to figure out how I can have XXXX help me in resolving this.
Consumer complaint received 2022-08-12
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. (NC)

I booked a hotel through Chase Ultimate Rewards on XX/XX/2022. The purchase was charged to my XXXX XXXX whose benefits include a {$50.00} statement credit for such bookings. The credit was not given. 

My claim to the missing statement credit was considered and declined on XX/XX/XXXX with an explanation that is not in keeping with the terms of the benefit. 

Terms state : " A statement credit will automatically be applied to your account when your card is used for hotel accommodation purchases made through the Ultimate Rewards program, up to an annual maximum accumulation of {$50.00}. '' The Chase representative justified not honoring the benefit because the Ultimate Rewards portal was initially accessed through a different card account. There is no stipulation to that effect in the terms. In fact, it is a nonsensical explanation because the same portal serves multiple card accounts. What matters, according to the terms, is that the charge is made to the card with the benefit in question. 

In addition, it is galling that disputes of this kind seem to be closed automatically after the second response from the company, regardless of facts or arguments. The same happened just a few weeks earlier when I complained about a different problem. I had booked an airport transfer through the XXXX XXXX which is serviced by XXXX XXXX if I am not mistaken. This booking was to be fulfilled through another intermediary ( in this case XXXX ). The airport transfer I paid for never materialized, and my local attempts to resolve the problem were not successful. I had to arrange for a separate ride while Chase chose the convenient answer that they have no control over services that go through other parties. Accordingly, Chase closed the case without refunding me for the service that never was. 

Chase does have control over the companies they choose to partner with. Likewise, if your corporate partner effectively defrauds your customer, you can choose whose side you would be on.
Consumer complaint received 2019-08-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

The date was XXXX/XXXX/2019. At that time $XXXX.XXXX  which was going to be paid with arrangements that was made. But they came out with no warning they took the car,the morning of the arrangements. Repossessed it. Added extra fees, which I was unable to pay to get vehicle back. Now they are saying I owe even more money, over $1000.00. First of all they were wrong for even taking my vehicle. As I had already made arrangements with different custormer service reps. Wrong fully repossessed car. I'm not able to pay.  Thank you. XXXX
Consumer complaint received 2020-04-29
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. (CA)

Experian Credit Reporting agency refuses to fix documented incorrect information.

I have submitted dispute 7 times, several with supporting documentation.

They refuse to correct the

information. All the report needs to say on Mortgage Loan is that it was " sold or transferred ''. Instead it says " Discharged in Ba
nkruptcy ''.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida DDUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX -XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX-XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX/XXXX XXXXXXXX/XXXX XXXXXXXX/XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I received a letter from XXXX, informing me I was involved to a law suit with XXXX  XXXX XXXX. Due to their Fraudulent advertisement schemes and promises to Veterans all loans will dismissed. 
I contacted the university, then Mohella whos owns the university as well as the dept of education. And now one knows anything about it but Acknowledge the loan should be removed.
Consumer complaint received 2019-08-20
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. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX  DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE:XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida DDUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX XXXX   XXXX
XXXX XXXX

XXXX XXXX-

XXXX XXXX XXXX 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 2021-08-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American First Finance, Inc. (CO)

I leased a leather couch from American freight and XXXX XXXX Colorado, it was sofa and a love seat on XX/XX/2021 in the amount of {$1300.00} so the delivery date was set 3days After and when they brought the couch it was all scratched out and dusty with finger prints all over it the delivery guy told me it was a used couch they dont have brand new couch in the ware house I found a lot of damages so I called the manager and she told me if I can deal with it before they receive a new merchandise and I told her I cant so I returned the couch on the XX/XX/2021 but as at now the store is still reporting late payments on my credit when I dont even have the items no more I understand there are store policies but since the items were returned I dont have to make no payments and I want it to be removed from my credit or deliver me a brand new couch with no damage I have pictures of the damage I want CFPB to investigate and help me thank you
Consumer complaint received 2019-08-20
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2017-09-18
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. (FL)

I 'VE DISPUTED THIS FRAUDULENT ACCOUNT AND CONTACTED THE CREDITOR NOTIFYING THEM OF THIS FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY CONSENT. THE ACCOUNT IS XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/2013
Consumer complaint received 2020-12-09
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: U.S. BANCORP (NY)

I signed up for the us bank attitude go visa signature credit card because it offered XXXX point which is equal to {$250.00} when you spend {$1000.00} in the first 90 days of opening the card. I spend {$1000.00} in the first month of open the card and only received XXXX point which is XXXX less then they advertised I called customer service and they couldn't help me resolved this issue and this loses my trust with us bank.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Over the past year I have been trying to resolve fraudulent entries on my Equifax credit report. After sending my original police report of identity theft , several supplemental reports, and my FTC identity theft report with formal request to block those items Equifax continue to violate my rights as an identity theft victim. XXXX   and XXXX conducted the same investigation with the same information and the items were deleted promptly. I'm filing this complaint against Equifax because I'm suffering damages because of these fraudulent accounts and after numerous attempts they report the fraud anyway. I have attached documentation of the dispute and report of fraud. This is hurtful and unacceptable and this behavior is nothing short of willful non-compliance.
Consumer complaint received 2019-08-20
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. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXXXXX XXXX XXXXTODAYS DATE: XXXXXXXX/XXXX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida XXXXpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 2020-11-28
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. (CT)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX my account showed that there was a transaction amount of {$700.00} at a Gas station in XXXX, the name is cared as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ''. We initially tried to make a purchase at this place, the card was declined twice initially and we left the merchant without any goods or service. Later an amount of {$700.00} surfaced on my account. No such transaction was made with that amount. I didn't even get the email alert that this amount was charged to my account. I called CapitalOne multiple times to resolve the issue and gave the signed letter explaining the events. The transaction was rebilled twice to my account and CapitalOne failed to explain why it was rebilled. Every time I call them, they're reopening the case as new. Please help me with this I've attached the statements from CapitalOne. The first statement was generated on XXXX the amount of {$700.00} was charged. After filing the dispute the amount was removed, this is reflected in XXXX - XXXX statement. The amount was rebilled back to me on XXXX. 

Also, I've attached the documents that I sent to CapitalOne explaining my account of events
Consumer complaint received 2019-08-20
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: SYNCHRONY FINANCIAL (CA)

This dispute is against Synchrony Bank/Amazon. On XXXX XXXX XXXX, my account was charged {$12.00} by Amazon Digital XXXX, Wa. XXXX, reference no. XXXX, Which I never make that purchase. You can check my Amazon purchase history. I found the charge on my account and called in on XXXX XXXX to Amazon store card Synchrony Bank to dispute. But instead of dispute the charge they add another fee of {$13.00} to my account. So on XX/XX/XXXX, they just simply closed my account. I was told by them that I can't dispute nor make payments cause the account was closed, and told me not to worry it'll not affect my credit. I recently ordered my credit report and found out that I have a serious negative charge with Synchrony Bank/Amazon about this incident. And Synchrony Bank has been reporting this incident since beginning and until now. I was very angry at Synchrony Bank, they abused my account. The last phone call I made on XXXX XXXX XXXX, I spoke to the bank manager named XXXX XXXX, and he apologized to me, saying he'll refer this case to their credit dispute department. At this point, I refuse any excuses. I need the bank action on correcting my account, and write the letters to three Credit Bureaus to take off this wrong record.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian said that they cant change the report despite the facts I submitted with documentation from lender of payment history. I paid as agreed before, during and after bankruptcy. The reporting of bankruptcy should be in the notes section not under payment status which leads to falsely accusing me of being derogatory or delinquent. 
Currently, the reports show I was delinquent or derogatory which is a complete lie and is defaming my name and who I am as well as causing the purchase of new home impossible due to lower credit score based on derogatory statements which is causing me major quality of life issues. This is totally unacceptable and defamation against me. Please remove statements of derogatory and or delinquent as well as possible derogatory or delinquent comments because I was not. I provided documents from mortgage lender, a complete copy of payment history which clearly shows I paid as agreed. To report I was derogatory is crazy wrong and I deserve the truth to be reported on all my credit reports from all agencies. XXXX and XXXX have no problems reporting the truth so I dont understand Experians problems. U must not be allowed to defame my actions as a result of bankruptcy which I was not informed of the reaffirming process due to many lawyers inability to inform their clients. I paid as agreed so remove all derogatory and delinquent statements because they are false!
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

SYNCHRONY BANK PAYPAL MASTER CARD. 

I have been used this credit card for almost 10 months on row, paying on time and all.Today all of a sudden o get notified by buru office that my credit catd has been closed. 
I called the bank and they said that was because of inactivity. 
The reason that has been provided is not true.i has used this card for almost all my day transactions, so its not convincing to close my account that way.
Consumer complaint received 2020-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc. (MA)

Hello, I have a collections account under my experian report from Tek Collect trying to collect a debt for XXXX XXXX but I do not owe them anything. I called to confirm and they couldn't identify any ties between my account and Tek Collect. When i called and told Tek Collect this, they couldn't assist me in anyway but to get me to settle for a cheaper amount on the spot. They said I have to take it up with my dentist but then the dentist told me to just contact the CFPB to get it resolved.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (OH)

I have found out there are some hard inquiries on my credit report that I do not have knowledge about. The dates for this actins taken was on XX/XX/2020 and the company names are XXXX XXXX, and Regional Acc. I tried getting in contact with these two companies but still havent heard anything from them.