davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (CT)

I had American Express Platinum credit card ending ( XXXX ) offering {$200.00} travel credit each year and the account has been closed in XX/XX/2020. I suddenly got a bill in XX/XX/2020 claiming Amex mistakenly classified two of my purchases as eligible and now they would like to reverse them and ask me to pay {$200.00}. 

I find this charge is groundless. Amex admits this is their mistake. More important, if they had told me this mistake while the account was open, I could have apply the travel credit to other travel related purchases. Also I would have used credit cards by other companies to pay for this charge as I do have other credit cards which would consider my purchase eligible. 

Amex advertises this trave credit to attract consumers to apply for their card. I paid membership fee for these benefits. Their mistake deprived consumers of the right to use these benefits. This is blatant cheating.
Consumer complaint received 2023-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

My wife and I XXXX XXXX in XXXX of XXXX, During that time we were unable to make mortgage payments, During that time our mortgage company changed and we found we were very behind on the and were unable to make payments. At this point we are completely under water. 
There was a XX/XX/XXXX foreclosure date set. We asked the judge to adjourn and that was granted. The foreclosure was postponed until XX/XX/XXXX. 
The issue is we submitted a complete short sale packet on XX/XX/XXXX. The lender denied the offer due to not a sufficient offer. They did not counter or anything. 

The adjournment was granted and a new foreclosure date was set for XX/XX/XXXX BUT the issue is Fay Servicing says they are requiring 37 days prior to the foreclosure sale in order to review for a short sale. 
They didn't postpone for enough time. Can you please postpone longer than 37 days so we can properly get the short sale review opened up?
Consumer complaint received 2023-01-26
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SLM CORPORATION (FL)

Loan amount : {$30000.00}. Account opened by XXXX XXXX in XX/XX/XXXX. This loan account was from a private student loan, joint account. This specific account was in deferment and was incorrectly sold to XXXX XXXX. The other person listed on this joint account bears responsibility for 50 % of entirety of the student loans as decreed by a XXXX, and as of XX/XX/XXXX, All of my student loans have been discharged due to my permanent and total XXXX. I have emailed these supporting documents to XXXX XXXX as evidence and they have not responded to this date. It's been XXXX months since I've sent the documents. Still am waiting for a response. 

XXXX XXXX purchased an account, that should never have been sold as it was in interest only deferment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The other student loans that were accrued before and after this debt was sold have all been discharged.
Consumer complaint received 2020-05-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.T.R. Financial Services, Inc. (VA)

I filed a complaint against this company a few days ago ; but they havent responded to my request and continue contact attempts. I am again filing a complaint and requesting the following : 1. Stop contacting me and third parties about me by any method ; 2. Identify your company by name ; 3. Identify original creditor ; identify amount of debt allegedly owed ; 4. Provide copies of itemized billing statement with service/purchase dates.
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (FL)

A few week

s ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

The XXXX XXXX XXXX acct that appears on my credit files at experian and XXXX is inaccurate and inconsistent, despite these credit reporting companies claiming they have verified the account as accurate. I have attached my credit reports to this complaint and have highlighted the inaccuracies and inconsistencies. In addition, this account was charged off and reported to the XXXX  as a loss by XXXX XXXX XXXX in which the XXXX deems this account as taxable income on my part. Thus i am due a XXXX so i can file taxes on this income which to date i have not received from XXXX XXXX XXXX XXXX SHALL not be reported to my credit report. Due to experian and XXXX negligence to properly investigate a file before it is placed on my report, this income is incorrectly appearing on my credit file. i have ALSO requested per section XXXX all the information regarding this account from XXXX XXXX XXXX including an original contract with my wet signature, the original amount of the vehicle, and various other financial details of this account as i would be able to compare with my records and to date, i have not received any correspondence from the company. i requested this information via written mail and by signature on receipt mail of which i have attached proof that it was received on XX/XX/2022. it is beyond the allotted XXXX given time that i am to receive a response ; thus this account should have been deleted because the information i requested was not given in the time frame allowed.in addition, this account ended in repossession and by law XXXX XXXX XXXX has the responsibility to provide me with certain documentation about the repossession, auction location, after auction sales bill, the amount the vehicle was sold for and any surplus amount and etc. this is per new jersey state law where the vehicle was repossessed and i NEVER received any of these required documents, hence making this charge off ineligible for collection activity or reporting to my credit files, as a deficiency can not be claimed if these post repossession laws are not followed. This account is an all-around inaccurate account and i request its removal from my files immediately due to neglience on behalf of experian XXXX and XXXX XXXX XXXX XXXX follow XXXX truth in lending, new jersey XXXX XXXX and XXXX regulations rules and laws.
Consumer complaint received 2023-01-26
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. 
The List of accounts on my FTC Report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, TRANSUNION, AND XXXX USES XXXX XXXX XXXX XXXX  TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE XXXX XXXX XXXX
Consumer complaint received 2023-01-26
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: BMW Financial Services NA, LLC (MI)

BMW FINANCIAL SERVICES - INQUIRY - DATE : XXXX, 2021 - CALLED CREDITOR XXXX XXXX XXXX  - INQUIRY ( 2 ) - DATE : XXXX, 2021 - CALLED CREDITOR XXXX - INQUIRY - DATE : XXXX, 2021 - CALLED CREDITOR XXXX XXXX XXXX - INQUIRY - XXXX, 2021 - CALLED CREDITOR
Consumer complaint received 2023-01-26
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. (FL)

We were charged {$1000.00} on XX/XX/XXXX at the XXXX store on XXXX XXXX in XXXX, NH. The credit card company refuses to acknowledge that this was fraud. They can't tell us what was purchased for that amount. They never fully investigated the charge. They refuse to help us because they say that it was us because the credit card never left our possession. Obviously there was a skimmer or some other way the thief was able to get our number. The credit card company denies that a charge can be made without physical possession of a card. 
We have been stellar consumers with this company for more than 22 years. 
We are both in our XXXX on XXXX and there is no way we would charge that large an amount as we both have prescription insurance. Also, the credit card company never communicated with us about that large and unusual charge, they just let it go through. 
They have denied our claim based on the fact that the credit card never left our possession. We are out that money now. I need to know how we can fight this judgment. They wouldn't reopen this dispute. Earlier in the day I had charged {$17.00} at that store. 
I can prove I wasn't even in the vicinity of this store when this bogus charge appeared.
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear TransUnion Credit Bureau, There are some Fraudulent Hard Inquiries on my credit report, so I called the lenders in order to remove those inquiries and let them know that it wasnt me who applied. They recommended me to contact Credit Bureaus. I called Transunion customer service and they asked me to send a letter along with an FTC report in order for these fraudulent inquiries to be removed. I already sent all the necessary documents but haven't get any reply so far. Im enclosing the FTC Report to this letter. These hard inquiries are not mine, please remove them from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I RECENTLY RECEIVED MY CREDIT REPORT, AND I NOTICED THE INFORMATION ON THE REPORT DOESNT BELONG TO ME. PLEASE REMOVE ACCOUNTS AND INQUIRIES AND SEND AN UPDATED COPY OF MY REPORT.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MS)

I authorize and direct any consumer reporting agency to furnish a copy of my consumer report to the CFPB for the purpose of responding to and investigating my consumer complaint. 

Equifax Cease and Deisit this communication and stay out of my personal and private life and space.

You have no rights to be sending me any such email as such. If you do then provide in your response the regulations to support this request and provide anything from such a business that thinks they have the rights and the obligations to get what you are trying to get me to consent to. I will not give you any such consent. Now produce to me where it takes that I have to consent for you to do whatever. 

Provide me with your legal counsel 's name, address, and phone number so that I can place a call directly to such person 's office. Now honor this consent to get your legal counsel of record contact information.
Consumer complaint received 2023-01-26
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. (TX)

n accordance with the fair credit reporting act 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 an account without my written instruction.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I deposited a check for over {$57000.00} into my Chase checking account ( via their ATM ) on Monday afternoon XX/XX/23. It initially showed as the correct amount, {$500.00} was cleared while the rest was scheduled to clear in coming days. The next morning ( XX/XX/23 ) my online checking said that there had been a deposit error and the money was removed from my account. I went into the branch where they supplied me with a photo of the check and said that they could see it was a proper check and that I had endorsed it correctly, but that they had no idea why it hadn't been accepted. I asked for the check back and they said they couldn't give it to me or tell me why it had been rejected. I went home and called the issuer ( An insurance company called XXXX  ) and they said that it was negotiable and that they would be happy to verify that with Chase. I told someone at my branch, who DID verify its negotiability with Principal, but said it was " too late now ''. I was told at first that I would get the check back, but yesterday I was told I would not get the check back. I reached out to Principal who said that they can't cancel the check and send a new one until after XX/XX/XXXX, and I just got off the phone with the escalation department at Chase who still has no answer for me why the check was considered non-negotiable. I find it outrageous that through no fault of my own I won't have my money for WEEKS and that Chase doesn't have to explain why they chose not to accept it. For what it's worth. my sister also received a check in almost the same amount from Principal and a different Chase bank accepted the check and the money, etc. without a hiccup
Consumer complaint received 2023-01-26
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. (GA)

After many efforts, I need your help to have information removed from my credit report with Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX ( XXXX ). 

From XX/XX/XXXX to XX/XX/XXXX, I have requested on 4 times ( each ), for the credit bureaus and reporting agencies to remove inaccurate information, information that should not be on my credit report, and information not submitted by its furnisher. 

During the same time period, I notified furnisher providing information by letters to the credit bureaus to no longer share my account information with anyone besides myself. I also requested the furnisher to remove information that should not be on my credit report or inaccurate. 

ITEMS TO CORRECT : Remove XXXX XXXX XXXX This account was included in bankruptcy and charged off the furnishers profit and loss, thereby changing the status ( which is no longer a debt ). Needs to be removed from credit report with Equifax, XXXX, and XXXX. 

Also notified ( mailed 4 letters to 2 address each ) the furnisher, XXXX XXXX XXXX and who has willfully not complied with my requests. 

Remove XXXX File transferred to Dept Of Ed / XXXX and is now a duplicate file and has not been removed by Equifax. 

Remove XXXX XXXX XXXX This file just appeared on Equifax, and I do not have a relationship with this company. 
This is a medical debt that infers I had radiology services ( HIPAA violation ) that I have no knowledge of. I called them and they got aggressive and hang up on me after insisting I owe this debt. I emailed them a cease and desist letter and demanded they remove this from my credit report. 

Remove Bankruptcy I provided XXXX, XXXX, and XXXX with a letter from the court stating they do not furnish information to the credit bureaus. The bureaus were all reporting different information, court location filed incorrect, wrong amount, wrong type, and wrong dates. 

After the bureaus received the court letter, they updated the information based on what the one bureau was reporting, instead of removing the inaccurate information. The information was not furnished by the originator the court. Bankruptcy should not be on my credit report. 15 U.S. Code 1681c ( 6 ) ( a ) ( 1 )
Consumer complaint received 2023-01-26
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. (NV)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 usc 1681i ( 5 ) i waited 30 days and received my investigation and notice everything was still the same. 
the consumer reporting agencies which is equifix, experian, and XXXX did not modify or removed anything. the date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on XXXX credit reports. 

which is violation.this is impacting me from moving forward to a new apartment for my family. 

I attach my previous credit report and my new credit report to show how Experian, XXXX and XXXX violated my Rights
Consumer complaint received 2023-01-26
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. (NV)

In accordance with the Fair Credit Reporting act. 
The List of accounts on the FTC Report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, XXXX, AND EXPERIAN USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. THIS IS WHAT CAUSES HACKING AND DATA BREACHES. THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!
Consumer complaint received 2023-01-26
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (FL)

Loan amount : {$30000.00}. Account opened by EOS CCA in XX/XX/XXXX. This loan account was from a private student loan, joint account. This specific account was in deferment and was incorrectly sold to EOS CCA. The other person listed on this joint account bears responsibility for 50 % of entirety of the student loans as decreed by a Judge, and as of XX/XX/XXXX, All of my student loans have been discharged due to my permanent and total XXXX. I have emailed these supporting documents to EOS CCA as evidence and they have not responded to this date. It's been 4 months since I've sent the documents. Still am waiting for a response. 

EOS CCA purchased an account, that should never have been sold as it was in interest only deferment ( I was still within 6 months of graduation when this loan was bought by EOS CCA ). The other student loans that were accrued before and after this debt was sold have all been discharged.
Consumer complaint received 2023-01-26
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. (HI)

XXXX need to remove and delete late payments. They are not doing Their job at all. They have not sent me any proof at all. Under the FCRA, the burden of proof lies on XXXX you are the one allowing fraudulent information to report on my credit report.
Consumer complaint received 2023-01-26
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: ACIMA CREDIT, LLC (SC)

There is a late fee shown on my consumer report. 15usc1681a ( i ) a2 transaction history is EXCLUDED meaning it is not to show up on the report I did not give wet ink signature consent to place on my consumer report.

I am the legal consumer and I control what is listed on the account.

15usc1666b timing of payme n't SHOULD NOT be reporting.

Where is the WET INK SIGNATURE validating this account. IF you can not provide a wet ink signature it has to be remove.

I disputed it and it was removed and then it came back, therefore this is a violation and is compensated at {$1000.00} per violation on my consumer report.

15usc1681b no permissible purpose to place on my report.

Please remove the 1 time late fee.
Consumer complaint received 2023-01-26
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)

I received a copy of my credit report and noticed a company I had no dealing with. This company XXXX XXXX XXXX XXXX - I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Please delete this account immediately