davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
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. (OH)

Im order for there to be truth in lending and for me as a consumer to be able to get the best financial opportunities in the markets, CONSUMER REPORTS SHOULD BE 100 % ACCURATE
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (NV)

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a collection? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-10-29
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair  Credit Reporting Act.
Consumer complaint received 2018-07-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The credit reporting agencies are continuing to report these accounts inwhich has not been physically verified but only told by an agent of the company that the account is mines, however according to FCRA, them accounts need to physically verified and the consumer needs copies of such documentation.
Consumer complaint received 2018-06-04
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. (GA)

On XX/XX/2018 I submitted an online dispute via Experian for collection agency XXXX XXXX XXXX XXXX. There were 3 duplicate XXXX XXXX XXXX collection accounts reporting on my credit report, 2 with positive information, 1 with negative information. I submitted receipts and information disputing the negative information. Somehow, the positive information was deleted, however the negative info is still active on my report. I contacted Experian explaining I did not submit a dispute regarding positive info ( why would I dispute positive info in good standing ), I'm disputing the negative information. The rep explained the company didn't respond therefore the positive information was deleted. In my opinion, they should have deleted the negative information as well. She submitted another dispute for the negative information. Coincidently they're claiming the company has now responded claiming the negative information is accurate. How did they not respond to the positive information, but somehow responding for the negative information? I feel I'm purposely targeted to have negative information reporting on my credit reporting. I don't understand why they delete the collection altogether for that account if they didn't respond to my initial dispute. Can someone please assist?
Consumer complaint received 2023-01-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc. (CT)

Upstart invited me to apply for a loan then pre-qualified me via credit soft pull for an {$11000.00} loan. My credit score was XXXX at the time with an excellent payment record. They had me upload a video promising to pay the amount I accepted back. I did record and upload the video as well as upload the verification documents, after the video was uploaded they denied the loan on a Sunday in XXXX minutes, although my record of payment with creditors is excellent. 

The only reason they denied the loan so quickly after I sent the video and Id verification is because I'm XXXX as they had no reason to renege on the loan. I have emails from them that show a change in attitude once the video was uploaded. Up until they saw my XXXX  XXXX all was good, suddenly when they saw my XXXX the loan was denied. 

They never did a hard pull, but did do a soft pull of my credit after which time they offered the loan. Then after the video was uploaded they denied the loan..
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (GA)

INACCURACIES DATES BANK STATEMENTS TRANSACTION ALLEGEDLY SUSPICIOUS TRANSACTIONS OF FRAUD-CYBER CRIMES XX/XX/2020 XXXX ITEMS XXXX T-SHIRTS/TANK TOPS TAMPERING WITH BANK STATEMENTS DATABASE BREACHES.
Consumer complaint received 2019-10-29
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: JPMORGAN CHASE & CO. (VA)

I applied for this card in XXXX of this year because of the {$150.00} cashback or statement credit after spending {$500.00} within the first 3 months of opening the card. I call Chase today XXXX XX/XX/19 XXXX to inquire about my cash back. But they completely denied this bonus reward for my case at this excuse that my reward will be 1.5 % cashback after spending XXXX XXXX I can clearly remember that my reward was XXXX $ after spending XXXX $ within the first three months ( it's still on their website XXXX and it was the only reason that I accept my friend 's referral to apply for this credit card! 

I highly appreciate if you could help me solve this issue, Regards,  XXXX XXXX
Consumer complaint received 2019-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (CA)

Credit Protection Association, a debt collector, has filed a negative credit item with XXXX. I have disputed the item with XXXX. Credit Protection Association has certified to XXXX that the debt is correct. However the debt is related to a XXXX XXXX account that was opened in XXXX of 2019. I have not ever opened a XXXX XXXX account.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (AZ)

Hi, To whom it may concern : Here is a letter I sent ; I contacted bank, Congressman XXXX XXXX, I understand that you are very supportive of your constituents, and I truly hope you will support my quest for restitution from one of our biggest Bank in the United States, Chase Bank. In fact, as of 2022, JPMorgan Chase is the largest bank in the United States, the world 's largest bank by market capitalization, and the fifth largest bank in the world in terms of total assets, with total assets of US {$3.00} XXXX. 
Despite its incredible assets, Chase first refused to protect my small business assets from on-line theft and on-line hacking of my very small business bank account! Even after their failure to protect me the breach, Chase also refused to reimburse me the {$40000.00} that was stolen out of my bank account. I am a single father of XXXX, and have a very small XXXX XXXX. Hence, I often live from weekly deposits to weekly deposits. 
When I opened my bank account, I was informed that Chase insured my money and so did the FDI. On XXXX, my very small business account was hacked and {$40000.00} was stolen from my account. 
Chase initially refused to assist me recover my funds. After multiple telephone calls and pleas, after 120 days Chase has finally contacted me.

I was informed that Chase is looking into it, and it will take time. It is the holidays and I am struggling to provide holiday cheer and gifts for my family. Please, I need your help to speed up the reimbursement process. 
I am requesting that you please help expedite recovery of the money stolen from my bank account. That you for representing my interests and supporting my fight to recover my money from Chase Bank. 
My Chase contact is : XXXX XXXX XXXX. XXXX Wait till someone answers then give EXT # Sincerely,
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

Promotional Payments are not being allocated accurately. I have to call Customer Service to pay the outstanding balance first or allocate a payment to the correct promotional balance. The customer service representative indicated this is an ongoing issue that has no solution.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Conn's, Inc. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I opened a Credit card on XX/XX/2013, the company name is XXXX XXXX they failed to comply with Consumer Laws and has the account shown as a Charge -off which charge off is a canceled debt so it shouldn't be on my credit profile did not send me a 1099c form. I sent them a charge-off letter all they sent me is the receipt it is also outdated which makes it inaccurate information.
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (DC)

this is my second issue with XXXX, the first one has not been resolved either. XXXX claims they did a review of my escrow account in XXXX and sent me a check for {$2100.00} which I never got and can not get them to respond over the phone. the company is clueless and clearly does not hire or train anybody that can handle this. So for the record this company has stolen from me over {$3500.00} in 4 months and they do not respond. At this point that amount is criminal in many States and would be if I owed it to them? Why is this company allowed to offer consumer products?
Consumer complaint received 2019-10-29
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. (PA)

There are nine closed accounts from XXXX XXXX FDR CBR on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

There are nine closed accounts from XXXX XXXX FDR CBR on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are nine closed accounts from XXXX XXXX XXXX XXXX on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.
Consumer complaint received 2020-05-18
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2019-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I visited my XXXX XXXX XXXX 's office for immunization shots and tests. Total billing was {$220.00}. 
In XX/XX/XXXX my insurance XXXX declined the claim as " administrative services are not covered '', thus {$210.00} of the billing was not paid by insurance On XX/XX/XXXX provider transfer the bill in the amount of {$210.00} to Collection Agency " XXXX XXXX XXXX '' On XX/XX/XXXX I paid provider the full amount of {$210.00} with my own credit card On XX/XX/XXXX, When XXXX XXXX XXXX run my credit report with TransUnion, it still shows that I have " a derogatory public record or collection appearing on my consumer credit report '' On XX/XX/XXXX when XXXX XXXX XXXX run credit report via XXXX XXXX, it shows, again " i have Derogatory public record or collection filed '' I have called XXXX XXXX XXXX many times requested documents about my account payment as well as status, I have not received any from them
Consumer complaint received 2017-08-08
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: CITIBANK, N.A. (OH)

Citibank dba XXXX charged my credit card {$20.00} for a XXXX XXXX 2017 purchase from merchant XXXX. I did not recognize and formally disputed the charge, specifically asking for a copy of the charge. Citibank XXXX responded with a letter stating that it " had requested a copy of the sales receipt for the disputed transaction from the merchant ... .they have not sent a copy of the charge to us. '' Despite the lack of documentation, Citibank XXXX wrote " we consider this charge to be valid '', offering no proof whatsoever. And, Citibank threatened to " report ( my ) account as past due to the consumer reporting agencies ''. This is collusion between Citibank and XXXX. It is against the public interest for a bank and its credit card subsidiary to seek payment without any documentation of a charge.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

After informing Bank of America of my identity theft situation and providing the necessary documents, they did not adhere to the FCRA 's Notice of Furnishers and continued reporting fraudulent information to the credit bureaus. I provided both a police report and an identity theft report from the Federal Trade Commission. I am XXXX and haven't had full autonomy of my finances for many years. I am requesting that I be absolved of any and all association to account ending in # XXXX.
Consumer complaint received 2020-11-19
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. (CA)

Today XX/XX/XXXX I was at XXXX XXXX XXXX to obtain a personal loan to help me get by the pandemic. But, I was denied and I was denied because of negative accounts that do not belong to me XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX ). My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my personal information to open the accounts above. I did not receive any money, goods, services, or any other benefits as results of these accounts being open under my name. I need these accounts blocked from my credit report because they are a result of identity theft.
Consumer complaint received 2019-10-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

Good afternoon, My student loans were previously with XXXX XXXX.They were transferred to Nelnet in 2019. 

While with XXXX XXXX, these student loans were consolidated into one repayment account. Nelnet immediately created separate repayment accounts without cause or explanation. 

While with XXXX XXXX, these student loans were repaid based on income. Upon transfer to Nelnet, these student loans have been approved for income-driven repayment. All necessary income information was submitted directly to Nelnet from the IRS via the Federal Student Aid website. Nelnet has illegally driven these loans into forbearance/deferment, and requests for explanation have gone unanswered. 

I have repeatedly requested the following : 1. Loan consolidation ( as per the previous provider ) 2. Income-driven repayment ( These loans have been approved for income-driven repayment for 2019. ) My letters and e-mails to Nelnet have gone unanswered. These loans have been illegally unconsolidated and have been illegally driven into forbearance/deferment. These are not my wishes. 

A student loan attorney has recently been contacted. The attorney has advised me to contact the Consumer Finance Protection Bureau prior to legal recourse. 

Please contact me at your earliest convenience about the best course of action. 

Thank you.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

There are five closed accounts from XXXX on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

1. XXXX XXXX XXXX XXXX XXXX did an inquiry on my report without my consent. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX did an inquiry on my report without my consent. 
3. XXXX XXXX XXXX XXXX XXXX did an inquiry on my report without my consent. 
4. XXXX XXXX XXXX XXXX XXXX did an inquiry on my report without my consent.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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.