davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX  I applied for housing is key a government program that helps with back pay on rent and I was living at XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
I got an email somewhere in XXXX around XX/XX/XXXX telling me that I was awarded a check for {$9200.00} and it was sent to my address on file and I called them up to ask them to change that address and they told me that the check was already dispersed which means that somebody had a cashed it or attempted to cash it and so I went to the address on file and I asked the people there if they knew anything about this and they told me that they put the check out to go to back to the USPS mail and that they've noticed that somebody may have stolen. So one of the tenants tells me that there is possibly a male subject that may have stolen it there that may have cashed it at a Chase Bank so I called Chase bank and they confirm that somebody did and that they were going to stop payment on it but they did not.. after I told him the check was fraudulently cashed and that I did not sign it they still continue to let that person have the cash go in the bank and take it out I confronted the teller and the teller told me that she's not the fraud department I have to take it to the parking lot and call up the fraud department and talk to them about it but that she couldn't help me at all. I also reached out to the government agency that provided me the check and I asked them to also look into it but I have not got a response All I got was the customer service lady told me that they would get back to me within two days and I haven't heard from them since.
Consumer complaint received 2023-08-17
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: Affirm Holdings, Inc (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-17
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. (NY)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Aspen National Financial, Inc. (CA)

On XX/XX/2019, we formally informed XXXX XXXX Resorts of our intent to release from timeshare agreement on the grounds of fraud, misinterpretation and financial hardship. 
The company continue to charge us annual fees during the process and had ruined our credit report.
Consumer complaint received 2022-08-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

I submitted a signed and notarized Loan Modification agreement with XXXX on Monday, XX/XX/XXXX at 3.125 % interest rate on a 30-year fixed FHA loan XXXX I made a full initial payment on XX/XX/XXXX. This was the first due date of my new loan. Then XXXX said they did not submit the correct paperwork to New York State for my loan modification, therefore I would have to sign and notarize another loan modification, but now at a 4.25 % interest rate since the Federal Reserve had been increasing interest rates between XXXX and XXXX. I now pay {$120.00} more each month due to no fault of my own which is {$43000.00} ( = 30 years * XXXX mos/yr * {$120.00} ) more I have to pay now over the next 30 years. On XX/XX/XXXX XXXX acknowledged that they received my 2nd set of signed and notarized documents for my Loan Modification and that it would take 30 calendar days for my account to reflect these changes. My account has still not been updated. Since they are dragging their feet to update my account, I can not make ACH automatic monthly withdrawals to pay my loan. I have had to call them each month since XXXX, my initial payment on my 2nd loan modification, to make a payment over the phone. I have called them countless times this year to speak them. Each time they assure me someone from XXXX will email me or call me to address these issues within XXXX business days. No one ever contacts me back. The whole reason I have had to do a loan modification is because I suspended my mortgage payments during the pandemic because I was laid off due to no fault of my own.
Consumer complaint received 2022-09-24
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  XXXX XXXX. XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$700.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} XXXX XXXXXXXX XXXX Date of XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-16
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (NY)

I received a note from Chime claiming that they could not complete my application for a credit card. I informed them I had never applied for one and asked them to purge all information about me from their systems. They replied that they could close the account I never opened but that they would retain my information for regulatory purposes. 

Since I never have them this information in the first place, and have told them so, why are they retaining it?
Consumer complaint received 2022-09-27
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. (PA)

In accordance with the Fair Credit Reporting Act. 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 an account without my written instructions.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (AL)

In XX/XX/XXXX, I withdrew {$1000.00} to gift to my grandson for his wedding. In XX/XX/XXXX, I looked back in my bank records to see what I had gifted my grandson, because my 2nd grandson was getting married and I wanted to give him the same amount. Upon finding the withdrawal, I found the bank had actually withdrew {$10000.00}. However, I only received the {$1000.00}. 

When asking the bank manager, XXXX XXXX, ( First Horizon, XXXX, Alabama ), she " checked on '' it for about 30 minutes. She did provide a copy of the withdrawl slip. 
But this only confirms that the slip was tampered with because it it not in my handwriting. Then she came out and reported that the teller, XXXX?, had retired recently and they did not keep records or video surveillance beyond 6 months. I withdrew my money from the bank and deposited it at another local bank, XXXX. At XXXX, they told me that all banks should keep records for longer than 6 months. 

After contacting the home office of First Horizon in XXXX, TN, I was told that yes, this did not look like my handwriting and they would investigate through their fraud department. Three days later, they called and said they couldn't help. 

I feel like they are taking advantage of me because I am elderly. This money was my wife 's life insurance money. It was meant for me to survive on after her passing. {$9000.00} is nothing to a large bank, but it means survival for me. 

I have attached a copy of the withdrawal slip if you'd like to see it. The words " XXXX XXXX '' are not in my handwriting and the zeros have been changed. 

Also, my daughter is helping me file this complaint. If you have any questions, feel free to call her, XXXX XXXX, @ XXXX or via email at XXXX.
Consumer complaint received 2022-08-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Med-1 Solutions, LLC (IN)

I understand that CFPB is cracking down on abusive, unnecessary and otherwise inflated medical billing practices, so I wanted to submit my complaint about Med-1 Solutions. I received noticed that I owed a combined total of {$3300.00} in medical bills that had surprise charges, and for services that were not only poorly rendered, but services that were tacked on that were not given. The company representative at Med-1 Solutions bullied me with threats of legal action they can not take, including seizing property without court action, and had me so scared if I didn't take their unreasonable settlement - a settlement that was inflated with fees that have no bearing on whatever services I received. The foul language used by the representative was uncalled for. Moreover, I am now on my FOURTH round of XXXX, and I can not fathom why I am being threatened by this company and their attorney representative for bills that the hospital never gave me a chance to " prompt pay ''. It is practices like these that have me, and others, losing faith in the medical billing realm, and practices like these that hopefully the CFPB will start cracking down on - especially in this questionable economy.
Consumer complaint received 2022-09-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I entered into a consumer credit transaction with Capital One Auto Finance via XXXX XXXX XXXX in XXXX, Texas. Upon identifying the vehicle that I wanted, the salesman immediately began to tell me that I would have to pay a cash down payment or trade in a vehicle that would be of comparable cash value. To finalize the credit transaction, I was coerced into trading in my XXXX XXXX XXXX, identified by VIN # XXXX, which the dealership gave an assessed cash value at {$7500.00}. A cash down payment in connection with a finance charge is a illegal. The Truth In Lending Act also defines the Finance Charge as the sum of all charges, but that is not what the contract states in reference to this consumer credit transaction. I was also required to obtain and maintain insurance on the vehicle, even though the insurance was supposed to be included in the Finance Charge. Capital One Auto Finance XXXX XXXX XXXX XXXX also failed to provide me with required disclosures pursuant to the Truth In Lending Act. It appears to me that there was intent to defraud me as a consumer from the onset of this consumer credit transaction. The transaction can be referenced by sales contract ; Deal # XXXX, XXXX # XXXX, VIN # XXXX. I've also attached copies of pages from the contract which evidences multiple TILA violations, labelled as XXXX VIOLATIONS '.
Consumer complaint received 2023-06-06
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. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-13
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: GOLDMAN SACHS BANK USA (MD)

On XX/XX/XXXX, I made a purchase for immediate delivery for a total of {$1000.00} invoice XXXX. The items were not delivered for unknown reasons, but the app reflected a delivered status. I immediately filed a complaint with Goldman Sachs and the XXXX XXXX that same day. The next day, XXXX  immediately cancel the order on XX/XX/XXXX transaction # XXXX. As of today, I have only received a refund for the taxes in the amount of {$56.00} and the delivery fee of {$9.00}. I have called and disputed the transactions and partial refund with the merchant and credit card company. They both continue to pass the blame the other and hold these cancelled transactions against my account. The merchant states the cancellation processed and Goldman continues to state the transaction was not received.
Consumer complaint received 2022-08-13
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. (MN)

I want to know why it is that every time something positive happens on my credit report my score reduces or stays the same I have was told by the reporting agencies that if I paid off a collection that was on my account that my score would increase at least by XXXX points it has stayed the same I've paid off this debt the debt was not mine and I was forced to pay it off understanding that I would be increasing my score by XXXX points if I did so I did my part they did not do their part I want to know why I'm being targeted and anything that positive that happens with my credit my score goes down or stays the same I don't understand why they're doing this I would like you to help me
Consumer complaint received 2022-06-26
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. (MI)

I have asked the credit bureaus to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. XXXX has also failed to comply to multiple federal and state laws under the FCRA. 
Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 
15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. $ 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for XXXX to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 
I am asking for XXXX to provide the following : XXXX. The original contract and or agreement bearing my signature XXXX Who they spoke to from the creditor the date and time in which thev spoke with them. 
By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately. It is a crime to threaten lawsuit wit & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.
Consumer complaint received 2022-09-27
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. (PA)

In accordance with the Fair Credit Reporting Act. 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 an account without my written instructions.
Consumer complaint received 2022-06-26
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. (MI)

I have asked the credit bureaus to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. XXXX has also failed to comply to multiple federal and state laws under the FCRA. 
Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 
15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. $ 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for XXXX to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 
I am asking for XXXX to provide the following : XXXX. The original contract and or agreement bearing my signature XXXX Who they spoke to from the creditor the date and time in which thev spoke with them. 
By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately. It is a crime to threaten lawsuit wit & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (MD)

Avant, a company I have a credit card with, is processing applications for other lines of credit without my consent. I keep getting rejection notices for a card I am not applying for. This is lowering my credit score.