davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-12-14
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: U.S. BANCORP (PA)

On XX/XX/XXXX I paid for a one way flight from XXXX, XXXX to XXXX XXXX with my credit card through the third party XXXX  The confirmation number is XXXX. The amount paid was {$120.00}. The travel date and time was for XX/XX/XXXX @ XXXX to XXXX. The company that I would have been traveling with was XXXX XXXX. On XX/XX/XXXX while I was already in XXXX, XXXX, I received a message from XXXX XXXX stating that my flight was canceled and rescheduled for a later time. The new date and time would have been for XX/XX/XXXX @ XXXX to XXXX. This was unacceptable. I did not book reservations for this time as 1 : I have XXXX  of flying at night. 2 : I already had pre-planned engagements already paid for on that particular day in XXXX, XXXX. 3 : I was not planning to spend my entire birthday ( XX/XX/XXXX ) in XXXX, XXXX especially without any pre-paid accommodations. This flight would have completely inconvenienced the remaining of my trip had I complied by their sudden last minute change. I decided to take a train to XXXX, XXXX on the morning of XX/XX/XXXX instead. I did not check-in for the XXXX flight and I also requested via email for a full refund from XXXX and have called XXXX at least on 6 different occasions to request a full refund. I have literally been calling XXXX since getting the email on XX/XX/XXXX to explain that this new time was not convenient for me. I have repeatedly asked for a refund and I am repeatedly being told they will investigate the matter. I have the email informing the company XXXX to cancel the flight and I am quite sure all parties can see that I never checked in for the flight. XXXX is stating I need to contact the third party company that I went through ( XXXX ) but they are really giving me a hard time to receive my money back.
Consumer complaint received 2022-03-22
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. (OH)

XXXX XXXX BANK XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX BANK XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I refinanced XXXX of last year and my loan was transfered to NewRez LLC. NewRez LLC is a part of ShellPoint Mortgage. The loan refinanced is a conventional loan. I have over 20 percent equity at time of refinance and closing. I do not pay any PMI. My taxes were escrowed at the beginning of the loan. Per proper mortgage and lending practice my taxes and Homeowners Insurance do not require escrow on a conventional loan. The lender is predatory and has refused to remove escrow account and refund my escrow balance. NewRez informed me that there is a 24 month hold on my account to remove escrow. This is not standard practice and the lender is acting in bad faith. All of my mortgage payments have been on time with zero late payments. 

The NewRez lender has also made it difficult to refinance due to exorbitant fees to get out of the loan. The lender is predatory and has thousands of online complaints. I am seeking remedy in having them remove escrow account immediately and refund the balance. Please find predatory NewRez Fee Schedule attached. 
XXXX XXXX XXXX  The lender also plays malicious games when making payments online where they deliberately do not withdraw payments from your bank account at timely manner. I've had to call them repeatedly and email them to let them know I am on to them and for them to make sure they are debiting my payments to avoid any late fees. There are thousands of complaints online of NewRez deliberately not crediting payments to accounts. The lender also does not update credit bureau in a timely manner to show ontime payments. 

Below are URL 's of other Americans like myself complaining all over the internet about NewRez and ShellPoint predatory and bad business practices. The XXXX people need protection from predatory and criminal businesses like ShellPoint and NewRez. The usarey fees alone should set off alarms in addition to all of the other complaints I noted in complaint. 

https : XXXX https : //www.trustpilot.com/review/shellpointmtg.com
Consumer complaint received 2022-07-20
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: JPMORGAN CHASE & CO. (NY)

Between XX/XX/XXXX and XX/XX/XXXX, a series of purchases were made from someone elses XXXX  account using my Chase/XXXX  Rewards card . In total, there were nearly XXXX XXXX small transactions, adding up to a sum of almost {$6000.00} during this time period. Since these were all small transactions, I did not take notice of them, and I only noticed them in XXXX of this year, at which time I immediately notified the fraud department at Chase Card Services. 

The fraud investigation at Chase was unable to make contact with XXXX and did not receive a response from XXXX. Because it could not contact XXXX regarding these unauthorized charges, the fraud department concluded that since the merchant ( XXXX ) could not be reached and since I have been a customer of XXXX for a long time, the fraud case should be closed and not further investigated. I have this on a voice recording from my XX/XX/XXXX phone conversation with the Chase fraud department and would be happy to forward you a copy of the recording. 

The above response from Chase is simply unacceptable. Just because Chase can not make contact with XXXX does not invalidate my complaint. Furthermore, the fact that I have a history of purchases from XXXX does not invalidate my complaint either. The card that Chase has issued is branded as the Chase/XXXX  XXXX XXXX XXXX Therefore, not only are holders of this card expected to have a history of purchases with XXXX, but it is expected from Chase to be able to make contact with XXXX to confirm that the unauthorized purchases charged to my card were not made from my XXXX account but from someone elses XXXX account. These are the most basic elements of a dispute investigation that any financial institution is expected to complete before closing a complaint case such as mine. 

Given the poorly executed investigation work done by Chase, I took the initiative to contact XXXX myself in XXXX of this year. On two separate occasions, on the phone, I asked the XXXX representative to run some of the XXXX order numbers in dispute, and in both cases, the person confirmed on the phone that the purchases were NOT from my account. I have these conversations recorded. I have also filed a police report related to this case and am attaching it to this complaint.
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (CT)

I applied for the AMEX EveryDay Credit Card on XX/XX/2018 via the AMEX website. AMEX approved my application instantly ( within seconds/minutes ). AMEX granted a credit limit of approximately {$24000.00}, with a balance transfer limit of {$5000.00}. My complaint pertains to the {$5000.00} balance transfer limit. The card offer terms did not clearly disclose or list any specific limitations on the balance transfer limit. I applied for this card to take advantage of the 0 percent APR on balance transfers and {$0.00} balance transfer fee. I would not have applied for the AMEX card had I know about the 20 percent balance transfer limit. However, AMEX disclosed the eligible balance transfer amount after I submitted my application. 

The offer disclosure makes reference to " eligible balance transfer amount '' and explains that this amount will be based on your credit worthiness and other factors including your history with AMEX. However, the disclosure also says, " .... you may not request a balance transfer amount less than {$100.00} .... and the total balance transfer request must not exceed your credit limit. '' A reasonable person would not interpret that to mean your eligible balance transfer amount may be as low as 20 percent of your credit limit. 

I believe this omission satisfies the three UDAAP prongs : ( 1 ) The act or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation is reasonable under the circumstances ; ( 3 ) The misleading act or practice is material.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Hello there! I recently read through a copy of my credit report, and I saw addresses on there that are not correct. I looked up your website and I have enclosed the roof of current address that you require. The only address that should be listed is shown at the top of this letter. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way and one way only. I have enclosed my ID as proof of the correct spelling. This is my 3rd time asking you to correct this information. Please send me an updated credit report as soon as you have deleted the inaccuracies listed above.
Consumer complaint received 2021-10-27
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: Fidelity National Information Services, Inc. (FNIS) (PA)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY INVOLVED. I requested the method of verification from chexsystems under FCRA, SECTION 611 ( a ) ( 6 ) ( 7 ). On XX/XX/2021 Chexsystems sent a letter with no response to my request. The letter just has my information that they are reporting a no method in which they verified the information.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (CA)

This is my fifith complaint. 
I do not consider the matter closed. 
As I have stated my account was closed as part of a Covid 19 payment program to bring my outstanding balance back into good standing. 
In good faith, I have now brought my account into good standing for some months now and you refuse to reopen my account. This shows bad faith. 
I was never informed that once closed that my account could not be reopened. I do not see that detail in any of the small print associated with the opening of the account. 
I have had other credit card companies close my account for the same reasoning but they have allowed me to reopen the account once in good standing. 
Why are you different. 
I was a good customer for many years with an excellent payment history. 
The pandemic has caused economic hardhsips for many Americans of which I am one. 
How can you expect me to just accept this and continue to make payments without the proper use of my card? 
You offer me no alternatives so I am going to seek legal aid for your usury practices and possible claims filing. 
In the meanwhile I am not going to be making any more payments until this matter is resolved. Please do the right thing!
Consumer complaint received 2018-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NE)

Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed two 1 credit inquiry that I find to be problematic The first inquiry in question was apparently made by on XX/XX/2017 and I have no recollection of doing any business with this Company ( XXXX  ) I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX XXXX XXXX
Consumer complaint received 2021-07-26
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. (CA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Date of inquiry XX/XX/20XXXX XXXX  Date of inquiry XX/XX/2020
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX DATE OPENED XX/XX/2021 BALANCE {$0.00} ACCOUNT TYPE XXXX XXXX XXXX XXXX XXXX XXXX  MONTHLY PAYMENT {$0.00} HIGHEST BALANCE {$360.00} RESPONSIBILITY Individual ACCOUNT DISPUTED No REMARKS Closed CREDITOR INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX DATE CLOSED XX/XX/202 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 there is {$1000.00} penalty if you do not remove
Consumer complaint received 2022-05-02
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. (NJ)

Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition hard inquiries not made by myself : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX In addition : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IA XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission
Consumer complaint received 2022-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

XXXX XXXX XX/XX/2022 have been paid in full its refused to be removed off my credit report. XXXX XXXX $ XX/XX/2022 I have not used XXXX services. XXXX XXXX XXXXXXXX $ also needs to be disputed I did not use these services.XXXX XXXX XXXX is saying I owe XXXX $ someone was using my services after I moved out the property.
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (IN)

I made my mortgage payment on XX/XX/2022, 8 days before the due date. The amount of {$370.00} was debited from my account. I was contacted by my mortgage company 21st Mortgage, a few days later stating they didnt receive my payment. I verified with my bank that the ACH was sent and received, and it was. I then contacted 21st to inform them my bank verified the transaction was successful, and they still deny it was received. They have failed to look for the payment, and properly apply it to my account. Im not sure if it got applied to another account, what happened on their end, but the payment was received. They have also changed the due date of my loan when they bought my loan, changing the original terms.