davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
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. (TX)

On XX/XX/XXXX I booked itinerary # XXXX ( XXXX XXXX booking ID # XXXX, e-ticket # XXXX ) through Chase Ultimate Rewards portal using XXXX ultimate reward points with a cash value of {$700.00}. This was for a round trip flight to XXXX, XXXX with dates XX/XX/XXXX-XX/XX/XXXX. 

On XX/XX/XXXX XXXX suspended flights to the USA effectively making my itinerary impossible. 

On XX/XX/XXXX, I received an email from Chase stating my original flights booked were no longer available, which reflected XXXX continued policy of not flying to the USA.  The email from Chase stated that one of my options was you may request a full refund instead of rebooking a new flight. I replied, stating I would like to accept the offered refund. Chase never responded. Chase never refunded me, nor did they cancel my itinerary. 

On XX/XX/XXXX, the day of my original flight, I received a phone call from a XXXX XXXX agent reminding me NOT to show up at the airport because there WAS NO FLIGHT departing from the USA to XXXX. She reiterated that my flight had been cancelled and that I should request a refund from Chase. 

Since then I have sent 5 additional emails to chase requesting a refund. Several were ignored completely. Other time I received a reply stating I was only being offered a travel credit. Since I rejected the travel credit and requested the refund I am entitled to UNDER LAW, Chase has not responded at all. Per DOT law I am entitled to a REFUND to my original method of payment. 

My 6 emails to Chase requesting a refund have been dated ( and are attached in the supporting pdf documentation ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( a second email ) XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (GA)

I have been allowed to deposit funds into the Crypto.com app freely using my bank card. However, when attempting to make a small withdrawal I have been hit with the " plaid '' app red tape. In order to withdraw they are asking for information which does not exist. I do NOT have an online bank account and that is the ONLY means by which they are allowing withdrawals. Refusing to allow me to use my routing and account number or the very card I used to deposit funds into the app. They also refuse to allow withdrawals to XXXX which would be just as simple and make MY money accessible. And I am now being told that I am not going to be given access to my funds if I don't have an online bank account which was NEVER disclosed in any way prior to now. This feels like a fraudulent app to me under these circumstances. As it stands there is NO means of adding any information into my profile that will make retrieving my money possible.
Consumer complaint received 2022-10-05
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. (CO)

I HAVE CONTACTED EXPERIAN AND XXXX XXXX SEVERAL TIMES EXPERIAN SAYS AN ACCOUNT IS VERIFIED AS ACCURATE HOWEVER THE COLLECTION AGENCY WHO PURCHASED THE ACCOUNT FROM XXXX XXXX VERIFIED THE ACCOUNT WAS FRAUD AND REMOVED IT. 

FTC REPORTS AND POLICE REPORTS HAVE BEEN FILED AND SUBMITTED TO EXPERIAN FOR EVIDENCE OF FRAUD AND ID THEFT FTC REPORT # XXXX IS FOR XXXX  XXXX ACCT XXXX THE ACCOUNT IS CLOSED. 

EXPERIAN WAS ASKED IN XX/XX/2022 AND XX/XX/2022 TO PROVIDE INFORMATION TO VALIDATE EXPERIAN SIMPLY STATED THEY ARENT REQUIRED TO GET DOCUMENTS FROM THE DATA FURNISHER. 

1 ) I ASKED EXPERIAN TO PROVIDE THE METHODS USED TO VERIFY THE ACCOUNT 2 ) THE NAME AND ADDRESS OF THE PERSON WHO VERIFIED THE ACCOUNT 3 ) PROVIDE THE DOCUMENTS USED TO VERIFY THE ACCOUNT. 

AS OF XX/XX/2022 EXPERIAN IS STILL VIOLATING MY RIGHTS UNDER THE FCRA UNDER FCRA 611 ( 5 ) ( A ) OF THE FCRA- YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INCOMPLETE OR WHICH CAN NOT BE VERIFIED. 
ITS ALSO MY UNDERSTANDING THAT UNDER THE FCRA 15 U.S.C 1681 ECERY SINGLE ONE EVEN EACH ANY OR ALL THE UNPROVEN, NON-COMPLIANT, UNTURE OR INCORRECT AND UNDERIFIED ASPECTS OF ANY ALLEGED DEROGATORY ACCOUNTS MUST BE PROMTPLY NEGATED IN ITS ENTRIETY OR THE ALLEGED ACCOUNTS ARE TO BE REMOVED I AM NOW ENACTING MY COMSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL WITH PERSMANENT DELETION OF THESE DEROGATORY ACCOUNTS OR PROVIDE TESTIMONY AND CERTIFICATION THAT YOU ARE ADHERING TO MANDATED METRO 2 DATA FORMATTED REPORTING STANDARDS ACCORDING TO REGULATIONS BY THE PROVISIONS OF THE FCRA AND PERS THE STANDARDS OF REPORTING COMPLAINCE I, PLEMENTED WITH THE XXXX  ENACTED XXXX  METRO 2 COMPLIANCE REGULATIONS, I DEMAND THESE ACCOUNTS BE REMOVED PLEASE UPDATE MY REPORT AND SEND ME A COPY
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IL)

I filed a borrower defense claim in XXXX with the US Department if Education. In XXXX of XXXX, I was approved for full relief and to be completed within 180 days of that notice. The balance is still showing by the loan service Aidvantage. Aidvantage has told me that the Dept. Of Education hasnt forwarded them documentation stating the relief was approved. The Dep. of education says otherwise. They say theyve forwarded that relief, but cant provide me with a date to narrow it down. Repeat attempts to get information and/or resolve this issue have gone nowhere with both Aidvantage & the US Dept of Education . I need help as it seems no one can help on either side. Thank you!
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/1990 Last 4 of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account : BMO HARRIS ; Account # XXXX To Whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also having a PAST DUE BALANCE OF {$3400.00}. 
This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion. 

XXXX XXXX
Consumer complaint received 2022-10-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Real Time Group, Inc. (VA)

Real Time Resolutions ( RTR ) has failed to follow federal rules with regard to the 2nd Mortgage/HELOC I have with them. 

Everything worked well when XXXX! was servicing this loan. 

Since RTR took over the loan : -I haven't gotten a payment history as a matter of routine. 
-I have not gotten notice of how my payments were applied. 
-I think the loan type has changed, but I'm not sure. 

Additionally, an RTR Rep told me recently that there are fees carried over from the time when XXXX XXXX had the loan. I had never heard that before. 

RTR Reps always mention their website for answers to my questions/concerns, but their website does not work. My attachement documents my troubles with the site and communication from RTR about the site. I have handwritten notes on the pages for clarity. 

I only got information from RTR when I disputed the legitimacy/their authority to service my loan.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I called and asked that the debt be removed off my credit report but was told that it has to stay on my credit report for 7 to 10 years. This call was place in XXXX of 2022. It is being reported on credit report as being open in the amount of {$500.00} balance. The account has been paid off for over 5 years. I need this to be removed from my credit report because I do know owe this debt.
Consumer complaint received 2022-10-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc. (CA)

The bank has denied me an account. I meet their published eligibility requirements -- I am over 18, I am a U.S. citizen living in the U.S., I have a social security number, and I have a physical U.S. address. In addition, the bank from which I intend to transfer funds into my Bread Financial  account is a major banking institution ( XXXX XXXX ), and has verified that they have shared my account information with Bread. I have spoken with employees of Bread at least seven times to resolve this, and have been told there are hidden eligibility requirements not reflected on Bread 's website, and that I must not have qualified in every way, otherwise the account would have been opened and my funds transferred in. They have further told me that I will never be told the reason. I have never been denied the opening of a bank account in my life. I must deduce that this is either due to a computerized glitch, or that I am being discriminated against in an unethical illegal manner. I demand to know the reason that Bread Financial has denied me an account. I have complained, and escalated the complaint, and have received no communication of any kind from Bread Financial to resolve this.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

XXXX responded quickly removing the account information that was inaccurate. XXXX, and Equifax has not removed the information and its has been passed 4 days since they had my ftc report, personal statement, proof of identity and the identification of the accounts that are inaacurate.
Consumer complaint received 2022-10-05
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. (GA)

In accordance with the Fair Credit Reporting act CXXXX XXXX # 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
Consumer complaint received 2022-10-05
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. (FL)

XXXX XXXX XXXX XXXX is trying to collect a debt that they can not validate as mine. They refuse to provide name of the original creditor etc and are reporting the account as open when it is closed meaning inaccurate information to Experian and XXXX. The credit amount owed is incorrect and has not been validated. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account
Consumer complaint received 2022-10-05
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX # 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
Consumer complaint received 2022-10-05
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. (AL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX
Consumer complaint received 2022-10-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WSFS FINANCIAL CORPORATION (DE)

Our home equity loan of XXXX which was originated with XXXX  was transferred to WFSF. The loan was paid in full and we received a letter stating that it was paid in XX/XX/XXXX. We are going to settlement on a new house and through the title search we found that WSFS had not notified the XXXX XXXX Recorder of Deeds of the transfer of the loan or that the loan was satisfied. The buyer 's lawyer contacted WSFS and was told to forward the title search and a request for a copy of the mortgage satisfaction. This was sent by the law office via email. No action was taken by WSFS for weeks. I called the customer service line on XXXX and was told that I needed to submit a copy of the title search and a request for a copy of the mortgage transfer. I went to a branch office on XXXX since we were settling on XX/XX/XXXX to see if I could get any help in expediting the process. I was sent a letter stating that the loan had been paid via email and forwarded the same to the recorder of deeds. The recorder of deeds informed me onXXXX that WSFS had not provided the necessary documentation to clear the loan. She stated that WSFS was aware of the process that needed to be followed. I called the customer service line and was told to provide a copy of the title search and a request for a copy of the loan satisfaction document and that it would take 2 weeks, meaning we won't be able to settle on our house.
Consumer complaint received 2022-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

I have an FHA mortgage with freedom mortgage corpXXXX My balance is {$200000.00}. I bought it for {$270000.00} on XX/XX/21 and is now worth {$300000.00} I put down over {$85000.00}. 

With almost {$100000.00} ( 1/3rd equity ) why wont they stop charging me XXXX XXXX month for PMI Mortgage Insurance?
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I initiated a CFPB complaint with XXXX XXXX XXXX XXXX, XXXX, Equifax and XXXX about false and inaccurate information. XXXX XXXX XXXX XXXX is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 332 days to be EXACT, to make the correction and since they have not I am demanding that the tradeline XXXX XXXX XXXX XXXX be deleted from all of the consumer reporting agencies that they are reporting to. 
I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. 
I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which XXXX XXXX XXXX XXXX is claiming that it is a loan, which is proof that the information is false and inaccurate information. 
They have defamed my character for several years with this false and inaccurate information and have prohibited me from being able to extend my credit due to this misleading, false and inaccurate information.
Consumer complaint received 2022-10-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (TX)

On XX/XX/2022 I requested a Mortgage Broker to begin a FHA loan with two things. 1. I wanted it to be through the Texas XXXX XXXX XXXX XXXX to use the Down Payment Assistance Program. 2. To use the XXXX  XXXX XXXX program through the same process. 

Later, she discouraged me from doing the Down Payment Assistance program due to the high interest rates. While this is fine, she did not bring up or remember to apply for the XXXX even though it was requested. 

I should have mentioned it again and again to this lender because she forgot and was very terrible at communication. 

I would email regularly and never get a response. Several responses would be unanswered over the course of a month. 

Whatever you do, Avoid Lennar Mortgage if possible!
Consumer complaint received 2022-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MI)

From the time of the 1st deferment of a payment, I was not informed on either occasion that it would lead to me and my wife ( who shouldn't be on the loan ) being behind a entire monthly payment for the ENTIRETY of the loan of we didn't pay double to catch up. Still until 2022 XX/XX/XXXX. We made a payment in full thinking we were all caught up and then a few days later Wells Fargo calls saying we're behind a payment which equates to an entire monthly payment. 


Misrepresenting fees consumers ( me & my wife ) owed in collection calls, monthly statements, pay-off notices. 

Making unsubstantiated claims about the amounts consumers ( me & my wife ) owed ; Improperly assessing and collecting fees or other amounts ; Unilaterally modifying contracts by, for example, increasing principal balances; Failing to disclose financial effects of loan extensions; Misrepresenting that Wells Fargo audits verified consumer ( myself & wife ) account balances.
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (TX)

Been XXXX since 2012 and having issues obtaining information to separate out loans. Unable to obtain a Master Promissory Note through loan servicer. I contacted loan servicer Nelnet for this information and they could not provide. Nelnet suggested i contact studentaid.gov but unable to provide as well since over 10 years
Consumer complaint received 2022-10-05
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC (NC)

Apparently, a test was done and I was billed for it {$310.00}, via XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

I have Medicare, A, B and C with XXXX XXXX XXXX, XXXX as secondary. 
All the Medical procedure 's provided for XXXX, I've never received a Bill XXXX Why I was not informed ahead of time. Normally, the XXXX will send me to another location that pays for Specialty Tests. 

I have attempted a few times to research what this is about? No one seems to know? 

Thank you, XXXX XXXX
Consumer complaint received 2022-10-05
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX Original creditor : XXXX APARTMENTS Account number XXXX XXXX XXXX account number XXXX DEPT OF XXXX Account number XXXX XXXX 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 an 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.

XXXX Comments
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AES/PHEAA (GA)

Fed Loans Servicing suggests that two accounts were removed from my credit report. In fact, these two accounts were consolidated XXXX months ago with XXXX loan servicing. 

This situation suddenly occurred after President Joe Biden announced the debt forgiveness program. 

As a result, this action caused my credit score to drop XXXX points. 
I have tried to reason with a Fed Loan representative, but without success. The against seemed to not know how to approach my concern. 

Usually, the accounts show " in good standing. ''
Consumer complaint received 2022-10-05
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 — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery has been erroneously reporting on my credit file. With the help of credit bureaus providing previous and current reports that Portfolio Recovery has changed information on my credit file and has incomplete information. They have continuously ignored my disputes about an alleged debt and have not provided any valid information, but will only comment that I disagree. I have obtained my phone records and have noticed that Portfolio Recovery is calling my phone every quite often, some days multiple times a day and hanging up. That is considered harassment. 
All information stated above is clearly a violation to my rights as a consumer advised by the FDCPA.
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

My USAA Bank account had been hacked my contact details were stolen, as well as part of my social security number! The scammer has successfully taken {$980.00}, and is actively attempting to transfer/withdraw money from all accounts! included XXXX.