davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: AMERICAN EXPRESS COMPANY (NY)

I was taken off of the one year 5.99 % APR plan as excepted, but then immediately put on an 17.99 % APR which is higher than it's ever been. During a global pandemic, American Express, who is making record profits, has refused to reduced my APR or offer any resources whatsoever to address the issue. I have a flawless payment history with American Express and have done business with the company for over 5 years. The only thing a supervisor could do was submit an internal compliant ( Internal Complaint # : XXXX ). If you could address this sudden rise in APR, which is jeopardizing my finances, please contact American Express to rectify the situation. I appreciate your help here.
Consumer complaint received 2022-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST REPUBLIC BANK (CA)

I submitted a complaint on this issue but the bank did not address the issue. 

First complaint info : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 I have requested information related to how exactly my ARM interest amount is being calculated as I am entitled to discounts- but I have yet to see how the bank is taking this into consideration. 

The bank 's statement that they are giving me what I am entitled to is not sufficient - I want the breakdown and transparent communication regarding my rate.
Consumer complaint received 2022-10-13
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. (GA)

I am submitting this CFPB complaint to follow up the most recent CFPB complaint I submitted to the Credit Bureaus requesting the immediate removal of the disputed accounts and information completely from my Credit file. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. I also sent a dispute letter to each of the Credit Bureaus on XX/XX/XXXX with complete attachments of my personal information as well as the IDTHEFT REPORT I received from the FTC. Once again, I am looking forward for the immediate removal of the following items completely from my Credit file : XXXX CARD XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. If the Credit Bureaus claim that the disputed accounts and information belong to me, I require the Credit Bureaus to send me copies of proof of verification or any documents bearing my signature. In the event that the Credit Bureaus can not prove the items ' validity, immediate deletion of the disputed items is appreciated.
Consumer complaint received 2022-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX, I was a victim of fraud via Wells Fargo and XXXX. I filed a complaint with Wells Fargo on XX/XX/XXXX, claim # XXXX and XXXX. I filed a complaint with the Federal Trade Commission on XX/XX/XXXX, # XXXX. I filed an Executive Complaint with Wells Fargo on XX/XX/XXXX case # XXXX and with the CFPB # XXXX. Wells Fargo has taken the position they will not reimburse the funds {$1000.00} from my checking and {$2500.00} from my savings, totaling {$3500.00}. I am at a lost for words because Federal Law requires banks to reimburse consumers for this type of fraud through Regulation E. The Electronic Funds Transmission Act was implemented and amended for my exact scenario. It can also be found in the EFTA FAQ 's Errors and Resolutions item # 5. Why is it that no one is holding Wells Fargo feet to the fire and requiring them to reimburse the {$3500.00} that was stolen from me, by an imposter claiming to be a representative of the Bank. Wells Fargo relies on their loyal customers to generate billions of dollars in revenue for them but does not reciprocate the loyalty when vulnerable customers are preyed upon. I simply want to be reimbursed. I also want them to be held accountable to Federal Law the same as the consumer.
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Hello, Looking to express my concerns about a scam that I was recently victim too. 

This past saturday XXXX XXXX I was scammed into buying tickets that ended up not working. 

The scammers used XXXX for payment processing and it felt secure that the tickets would work. 

Unfortunately it was a complete scam, leaving me out about {$220.00} I contacted my bank ( Chase ) and they say I wouldnt be refunded, which makes no sense. 

I sent a scam alert to XXXX, still waiting to hear back. Would love to get refunded from this unfortunate event that left me stunned and a victim of this digital banking world.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (TX)

I have been locked out of my Barclay US online account for two months. I have tried calling, contacting them on XXXX/social media, and have not been able to talk to a live person. Each time I call I am on hold for over an hour and a half before I am forced to give up. I have called the line 20 times in the past two months. I need to get through because I can not use my card because I am unable to see a balance or make payments until my account is unblocked.
Consumer complaint received 2021-08-20
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. (FL)

I recently reviewed a copy of my credit report and i've noticed an error/violation that is making me extremely upset. I am aware that information thats furnished on my credit report must be 100 % accurate with no exceptions. By the provisions of the Fair Credit Reporting Act, I am demanding that this company cooperate with me on this, and this account is updated to reflect what's required by law. 

-This is a FDCPA false misreporting violation. Update this account to paid current as agreed. I was never late on this account, this is a violation to my rights as a consumer. Update this account to paid on time immediately as stated in the CARES act. 
XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (TX)

On XX/XX/2021, I submitted a payment to XXXX XXXX XXXX for {$300.00}. The first payment was submitted at XXXX.The next morning I checked my account the payment didn't reflect so I submitted another payment. Once XXXX XXXX open I called and asked if they could if my account reflected 2 payments, the representative stated yes. I asked if they could reverse the 2nd {$300.00}? I was told " no '' because it was already processed. XXXX XXXX stated I needed to speak with my bank. I called NetSpend, ( XXXX ), was told I needed to open a dispute. I sent all the rquired inforamtion requested by Netspend. XXXX XXXX refunded the funds back on XX/XX/XXXX. The Pulse network system received the funds on XX/XX/XXXX and refunded the money to Netspend ( XXXX ) on XX/XX/XXXX. Tried reaching out to ( XXXX ) home office left a few messages seeking help. I have spoken to several rude customer service representatives. Spoke with a supervisor on XX/XX/XXXX by the name of XXXX who hung up on me. With the dispute they are making me wait until XX/XX/XXXX and they may give me a provisional credit.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: DISCOVER BANK (NJ)

XXXX XXXX Email XXXX Cell # XXXX To whom it may concern I am writing this letter to complaint about a closed account with Discover Credit Card Company. 

This account was open XX/XX/XXXX with the account of {$7000.00} and it's now at {$6700.00} I was making all my payments until I had some financial difficulties in XXXX I Consolidate all my debts into one except Discover because they had already file a claim in court, By this time I lose my apartment and job, in XXXX I started to work and still couldn't afford to make any payments. In XXXX the company took me to court and I was ordered/settle to make monthly payments, and I did so but once again the XXXX of XX/XX/XXXX I lost my job again so I failed to make payments, I haven't able to work/get a job because COVID19 arrived soon after with that said a couple months ago I reach out to Discover about my account and was told I could not access my account because a 3rd party was involved which was not true. The Customer Representative mentioned to me they will get in contact with the 3rd party and get back to me, which they never did and even recommended that I do so as well. I called Century Debt Solution to confirm this information and the information that was provided to me by Century customer service my Discover Credit Card account was never applied to my Debt Consolidation, I don't understand why I am getting the run around on this account/issue I would like for someone to reach out to me please I am trying to resolve this issue on my credit.
Consumer complaint received 2021-08-20
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. (FL)

Last year in XXXX I reviewed my credit report, & saw a charged-off account with XXXX XXXX. I do not particularly remember this account. I have tried on numerous occasion to verify & validate that the information reported is in fact mine. 1 year of constant letters to Transunion & XXXX XXXX with no response, resolution or a explanation. Transunion & XXXX XXXX never put my account as in a dispute status, which tells me they just threw my correspondence in the trash, didn't even care to answer my legal rights. This is the last place I am reaching out before I get a lawyer involved to help me. To this day the account is reporting as open since XXXX, I dont even know what it is for.
Consumer complaint received 2022-06-21
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. (PA)

Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.
Consumer complaint received 2022-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tesla, Inc. (CO)

I got solar panels in XXXX from Solar City AKA Tesla now on my house and my detached garage for my out buildings so I have XXXX accounts. I send in XXXX separate payments each month-one for each account. Then in XXXX I realized that they were not applying ANY of my payment toward the principle and putting the entire payment all toward interest. I called and they reworked my principle on both accounts to account for the payments I sent in but then it started all over again. They were applying the entire payment again only toward the interest and nothing toward the principle. I have NEVER had a loan where the entire payment goes toward interest and nothing toward the principle. I think this XXXX XXXX  needs to be looked into as this can't be legal. ANYWAY I was finally able to get a XXXX to payoff both accounts with Tesla as this was just sending money to a bottomless pit. These are the firs loans I have ever had where when it came to paying off the balance, the balance was higher at payoff then the original loan after making years of payments. I got their payoff statement and took a loan for the full amount on both accounts. Payment was made and they acknowledged via email receipt of both payments on XX/XX/XXXX which is before XX/XX/XXXX showing the amount to pay off by. I thought I was done dealing with Tesla but in XX/XX/XXXX, I received a statement showing no payment received and adding more interest. On XX/XX/XXXX I mailed them the statement they sent, the loan payoff statement, the XXXX emails I received from them acknowledging they received payoff payments for both accounts as well as the statement for the XXXX XXXX XXXX XXXX showing where XXXX separate payments were wired to them in the amount to payoff these loans. NOW you would think they would figure it out and correct their mistake-WRONG! I received another statement XX/XX/XXXX still showing no payment received and adding more interest. This type of dereliction of duty, meaning they have failed to do their job-in competence should be against the law. At the very least pay the consequences for being so incompetent. That consequence for being so incompetent should be for all the payments I sent in XXXX to present that have gone to interest only. That amount is {$13000.00}. I filed a complaint with the XXXX 's office and they sent me to you. I certainly hope you are able to do something with this ignorant company and their employees. I am enclosing all the documents I sent to them that they couldn't figure out. Tesla/Solar City needs to be held accountable to the tune of {$13000.00} and their lien needs to be removed from my home as they have been paid in full and they have caused me undo stress. Maybe because I am considered a Senior Citizen they think they can pull this, that I am too stupid to understand but they are the stupid ones and I need you help to get this take care of and to show Tesla/Solar City that they need to get their business right.
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (OH)

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. 
XXXX XXXX XXXX XXXX, has violated my rights. 

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. 




DEPTEDXXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX DEPTEDXXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX DEPTEDXXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX DEPTEDXXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX DEPTEDXXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX DEPTEDXXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX DEPTEDXXXX  XXXX DATE OPENED : XX/XX/XXXX DEPTEDXXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX DEPTEDXXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX
Consumer complaint received 2022-06-08
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. (AZ)

I have contacted XXXX XXXX UNIVERSITY on XX/XX/2022 and XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and XXXX XXXX UNIVERSITY, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to XXXX XXXX UNIVERSITY to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.
Consumer complaint received 2021-07-13
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. (PA)

Hello, XXXX Bless you all. My identity has been misused by criminals. I am a victim of identity theft. I have literally been feeling the pain of not being able to used my credit from accounts that were used without my consent. My life has took such a turn around in a negative way. I have kids who depend on me for a house and just like that I am being violated by the fraudulent accounts on my report. This can not go on no longer, I have did my research and you are suppose to protect me as a consumer. There have been so many data breaches in the last couple of years with your companies that could have effected my personal information being leaked and hacked although I am not accusing you we must understand what has taken place. My identity was stolen and I have multiple accounts that aren't mine. Doing my research I have seen that the FCRA 15 U.S.C. 605 B 1681 c2 that the accounts violate the law and have to be removed immediately, these accounts can not be validated because there are not mine so please Ive heard you try to verify them with the creditor but since my identity was stolen they will try to verify it as true which is inaccurate. As a consumer protect me from these companies who will say it was my doing when in fact I never had nothing to do with it and I am a victim. I do not want to go back and fourth with something that is not mine please fix this and protect my family from being homeless. I have filed a FTC report, Identity theft affidavit, proof of address, and a letter showing that I am disputing these accounts. Protect me as a consumer and give justice.
Consumer complaint received 2022-08-21
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 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. The following Account ( s ) : Debt collector : XXXX XXXX XXXX Collection amount : {$1000.00} Acct # XXXX
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MI)

In XX/XX/XXXX My wife and I refinanced our home mortgage so we could get a lower interest rate. When the refi closed, the Mortgage Company took all the funds in escrow and applied it towards the principle for the payoff. Without our knowledge. However, the mortgage company nor the title company ever checked to see if the winter taxes were due or even paid. Then three months into XXXX we get a statement from the county treasure saying the taxes were never paid. We contacted the mortgage company and after a two week investigation they tell us someone screwed up and they paid the taxes but now we have to pay them back. How is this not bad faith???
Consumer complaint received 2022-04-23
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. (FL)

In accordance with the fair credit reporting XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.