davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-03
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. (CO)

**UDAAP ALERT** I've had the Chase United Mileage Plus Visa for a few years and this card has offered an annual mileage reward as well as other benefits and protections that have been eliminated or reduced without proper notification. My anniversary month is XX/XX/XXXX, so I just officially discovered that the annual reward and price and return protection are no longer provided and also they reduced trip cancellation and coverage. Everything on Chase 's site regarding the United MileagePlus Credit Card benefits sends us back to United. This seems unfair as the information was not provided in advance and there are significantly reduced changes in the rewards while the annual fee remains at {$95.00} annually. If the information was provided, it was not done so in a way that was clear to the average consumer.
Consumer complaint received 2019-03-01
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: U.S. BANCORP (PA)

I was on a business trip in XXXX, my co workers and I want to a bar/restraint. I tried to pay for the bill with my credit card but it was declined because I needed to enter in a PIN. I had no idea that my card had a PIN so I was not able to enter it. My coworker then end up paying for the bill. When I received my last credit card bill the card from the bar/restaurant in XXXX was on the bill. I called my credit card company to dispute this and they rejected my claim. 

I was told at the bar/restaurant that my card was declined and that it would not be charged. The credit card company told me to work it out with the bar/restaurant. This happened in XXXX, the people at the bar/restaurant barley knew how to speak English, and I do not even remember the name of the restaurant.

In good faith and to keep my credit score in tack I have since paid for this expense.
Consumer complaint received 2019-03-04
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)

I SUBMITTED DISPUTES TO VALIDATE THE FCRA VIOLATION PER INCORRECT CREDIT ACCOUNTS LISTED ON MY CREDIT REPORT. THE CREDIT AGENCY REFUSE TO REMOVE THEM EVEN AFTER PROOF WAS PROVIDED TO THEM THAT THESE ACCOUNTS WERE IN ACCURATE.
Consumer complaint received 2019-03-03
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. (TX)

I have no knowledge of this account.. On the attachment it is down in the body XXXX XXXX XXXX XXXX and XXXX acceptance for XXXX. 
Thank you.
Consumer complaint received 2019-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (GA)

To whom this may concern : I'm working towards public service loan forgiveness, and am having great difficulty getting an accurate count of the number of months that have counted towards my forgiveness. Per my banking records, XXXX XXXX has undercounted the number of months I've repaid by about 10. I've sent these records in twice via their website ( once in XX/XX/2017, and another about 2 months ago ), which show all of my payments. I have yet to hear back either time, but do get a total count of applied months whenever I submit my work certification form. I've been asking them to either change the number of payments that count toward my goal of 120 payments, or simply delineate which months they are not counting and why.
Consumer complaint received 2019-03-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I made an {$8000.00} payment which has been misapplied over the course of the last 10 months and now I've Been Told that the problem can not be corrected and the payment applied as I requested. Now I'm being forced into forbearance and I have a negative score on my credit as a result.
Consumer complaint received 2024-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I applied for the XXXX program for my mortgage on XX/XX/XXXX to pay for back taxes and insurance on my mortgage that was not escrowed. I wasn't approved until XX/XX/XXXX and paid out on XX/XX/XXXX and XX/XX/XXXX. During this process Lakeview LoanXXXX placed a forced escrow onto my mortgage. 

I obtained my own insurance on XX/XX/XXXX and the servicer removed insurance from escrow. per the conversation that we had with the servicer on XX/XX/XXXX, would have to pay my own taxes and have a positive escrow account balance in order to remove my taxes and have no escrow account. 

We have since done that and now the servicer is refusing to remove escrow.
Consumer complaint received 2019-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/2019 and XX/XX/2019 funds were electronically sent to PayPal for the purpose of being available for a secure purchase under a promotional opportunity from PayPal offering 24 months on purchases with no interest which has an upcoming expiration date of XX/XX/2019. At the time the deposits were made there was {$3000.00} available to use. The purchase was for {$4000.00}. A request for an increased credit facility from PayPal was declined.

The transactions in this complaint have all been transactions in USD from US FDIC insured banks to PayPal between US based companies.

PayPal will not respond directly to a request for increasing the credit line. Their process is " try the purchase and if it works you're all set. '' The issues here are : 1. My FICO credit score is XXXX and I have never been late with PayPal in the numerous years I have done business.

2. My income is {$270000.00} annually.

3. No reason was provided for the refusal of increasing the credit line.

4. The monies paid have been deducted from my bank account on XX/XX/2019 and reflect " processing ''. The funds are not available. This is the same bank account that payments are made from for numerous years.

5. The funds are neither in my bank account to use for the purchase nor are they available for the purchase in PayPal.

6. The delay causes harm in denying the availability of the promotional offer.

The representatives at PayPal will not do anything to investigate, expedite or otherwise relieve the tension between the availability of funds and the conclusion of the promotional program. This is a service, finance and technology company. The restriction of the availability of funds is avoidable and inconsistent with generally acceptable policies by other finance companies.
Consumer complaint received 2024-10-31
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. (TX)

I returned from a travel event and during the process of looking to shop for a home going through the approval process, my credit report reflected various accounts and inquiries of which I don't know anything about to my knowledge. My personal information such as the spelling of my name, address, employment history, and more was also seen to be incorrect. I have never accepted or benefitted from these items/companies and have filed a police report with my local agency, filled out an identity theft affidavit, and an FTC report , and provided additional notices to organizations letting me know my information had been compromised due to a large scale data breech. I suspect I may be a victim of identity theft.
Consumer complaint received 2019-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/2019 i deposited check from XXXX XXXX ( XXXX ) using XXXX XXXX. Name on check was XXXX XXXX and XXXX, XXXX ( check number XXXX ). Amount {$1400.00}. was for purchase on goods from craisglist. 

XXXX XXXX cancels transactions and having the suspicion this isn't clean money, i refunded the entire amount to two quickpay accounts ( XXXX and XXXX ) Check turns out to be counterfeit.
Consumer complaint received 2020-02-12
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. (AR)

I was online and I applied for a XXXX  XXXX credit card and I got denied due to a low credit card score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a victim of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX DOCTOR XXXX {$350.00}
Consumer complaint received 2019-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thunderbird Collection Specialists, Inc. (CA)

I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Consumer complaint received 2019-02-25
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

When paying for an XXXX purchase they use PayPal to facilitate the card payment. The complaint is really against XXXX because it happens in their app. 

Firstly, when using the UK issued debit card, XXXX defaults to offer currency conversion from GBP and to charge my card in pound in the process that is known as dynamic currency conversion, although I have in previous transactions selected I don't want it. 

On the checkout screen XXXX doesn't disclose the additional cost for the XXXX service they've added by default. 

When clicked on the " additional currency options '' link below, XXXX/PayPal then disclose that the preselected GBP option includes a 3.5 % and converts at XXXX. When I XXXX for live exchange rates from XXXX and XXXX, the exchange rate at the time was XXXX. Therefore the markup is 4.28 % and not 3.5 %. 

I would like to lodge XXXX complaints : 1. XXXX adding a financial product ( XXXX ) by default, without disclosing the cost of that product. 

2. XXXX and PayPal showing the incorrect XXXX markup.
Consumer complaint received 2019-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

I was denied a checkings account with Chase due to " not able to verify identity ''. 

I'm on XXXX XXXX so I am not allowed to go anywhere to sign up for anything. So I must be able to utilize websites, emails, faxes, or postal mail. 

How do I send in my documents to verify my identity and get an account??
Consumer complaint received 2024-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (LA)

Violation of My Consumer Rights!!! This is Not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Also {$1000.00} for each Violation commented 15 USC 1692 ( g ) 15 USC 6801 ( n ) 15 USC 6803 16 CFR 433.2 18 USC 911 15 USC 1662 28 USC 3002-3 28 USC 3002-4 28 USC 3002XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX, Legal Assistant and XXXX XXXX ( Legal Assistant ) to XXXX XXXX XXXX illegally reporting that XXXX XXXX XXXX ( XXXX, TX ) and / XXXX XXXX XXXX XXXX are creditors via a Texas Department of Public Safety letter. 

Neither XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or Texas Department of Public Safety are lenders of money or insurance to me. None of the law firm 's lawyers and their insurance providers have represented me in any litigation and have never been hired by me for any attorney representation ; thus, should not be claiming to be creditors of any type on credit reports.
Consumer complaint received 2019-02-26
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Social Finance, Inc. (IL)

I applied as a cosigner in XX/XX/2019 with SOFI to refinance my daughters student loans. I completed the credit application and provided all documentation requested. I was never notified of a credit decision. My daughter was sent an email on XX/XX/XXXX that I was ineligible as a cosigner. I contacted SOFI on XX/XX/XXXX, and was told over the phone that my credit application was WITHDRAWN and an email was sent to me on XX/XX/XXXX, I did not know what WITHDRAWN meant considering i applied for credit and provided all necessary documentation for a credit review and was told that a hard credit pull was completed. I asked to speak to a manager to file a formal complaint based on the fact that I applied for credit regardless I was a cosigner or primary that I completed a credit application and provided any requested supporting documents which included a hard credit pull that I was not formally notified of a decision simply that they could just withdraw my request for credit. My complaint I believe includes several of illegal business practices. I believe if I did not qualify under SOFI 's standards then the application should have been declined, I should have received a formal notification in writing which would allow me to follow up as a consumer. I do not understand how a company can legally pull my credit and then simply Withdraw my application and not provide information to the consumer. I do not understand how the other party involved my daughter the primary applicant received an email that I as the cosigner was ineligible, when I myself as the applicant did not receive proper notice. I believe legally when a consumer applies for credit via a credit application provides all necessary documentation to complete the application the application needs to either be declined or approved and the consumer needs to be formally notified. I do not see how SOFI can legally pull a hard credit pull find a reason not to qualify my request and simply WITHDRAW my application. Tell me that my application is Withdrawn, and email my daughter that I am ineligible and not give me any information on why I failed to meet or what their credit requirements entail.
Consumer complaint received 2019-02-28
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. (CA)

I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX only reporting me 30 days late three times. There was definitely an error on their part. I was never three times 30 days late.
Consumer complaint received 2024-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (LA)

Dear Citi Customer Service, I hope this message finds you well. I am writing to follow up on my previous correspondence regarding the application of the Louisiana Service Members Civil Relief Act ( SCRA ) benefits to my Best Buy Credit Card account ending in XXXX. I have not yet received a response, and I would like to request confirmation that my account has been reviewed and the appropriate benefits applied.
Consumer complaint received 2024-11-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MI)

Newrez, my mortgage company, paid a tax lien I did not owe. I'm XXXX XXXX XXXXXXXX veteran and Tax exempt. The tax was owed by the previous owner of my property. Newrez raised my payment by XXXX $ per month. They gave me no notice about the lien or their intent to raise my mortgage payment. Newrez is setting up an escrow account for property tax. I don't pay taxes. I'm exempt according to the V.A. and the state of Michigan. I contacted the office of the Attorney General of Michigan to file a complaint against the XXXX XXXX for filing a lien on my property for taxes owed by the previous owners. The phone number for Newrez is, XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Mortgage, LLC (TX)

To whom it may concern, On XX/XX/year>, a mortgage broker from Mr. Mortgage named XXXX XXXX pulled my credit report without my knowledge or permission. I immediately contacted him and he agreed it was a misunderstanding and he agreed that I did not give him any permission to do so. 
On XX/XX/year> my husband and myself had applied for a mortgage with XXXX XXXX XXXX  and it was decided that we didn't need my income for the loan. Somehow XXXX XXXX and our broker from XXXX XXXX wanted to shop the mortgage for a better rate and intern in error he pulled my credit report without my knowledge or consent. He had assured me he would contact your company and have it corrected so that it would be removed from my credit report with all XXXX credit bureaus. It is now XX/XX/year> and this inquiry is still on my credit report. 

I have attached email correspondence. 
XXXX XXXX XXXX email is XXXX and his phone number is XXXX. 

Sincerely, XXXX XXXX email : XXXX phone XXXX
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (CA)

I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act,  Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.