davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
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. (NJ)

On XX/XX/21, our car was broken into and my wifes purse was stolen. One of the cards was a Chase XXXX XXXX card. The thieves went and bought gift cards at a local XXXX right after the theft. We reported the theft and the fraudulent charges immediately, as in within the hour of it happening, and also filed a police report. Two months go by, and we assume Chase handled the matter, just like XXXX, XXXX and XXXX did ( we only have 4 credit cards ). Then we receive a statement from Chase this month with the charges on it. When initially contacting Chase, the rep said we were sent a letter ( which we absolutely did not receive ) and then told us we had to speak to the fraud department. Each time my wife called, the department was closed, until today. Today my wife reached a rep XXXX XXXX ) who told us that the account notes say my wife, " said that we still had the card in our possession ''. Really?? Someone needs to check the recording of my wife calling in on XX/XX/21 before implying that she's lying. It was STOLEN so obviously NOT IN OUR POSSESSION!! Then XXXX said we need to send in a copy of the police report AND suggested we make the minimum payment due on the account. Upon being told this, my wife became irate and I took the phone from her and spoke to XXXX. Unfortunately, I can't say that I was any more composed then my wife. I let him know that I will file complaints with the CFPB, FTC, and other relevant regulatory bodies and get my contact at the local media to run a public interest story about the theft, and include my experience with Chase XXXX XXXX customer handling. I've done 2 of the 3 with the filing of this complaint. I've reached out to XXXX executives as well. Its completely unfathomable the way weve been mishandled. Weve never missed a payment and did everything we needed to, to report the theft! 
In addition, we are buying a new home. We have no debt, so I doubt this will be the case but, if this impacts our credit score, I will take legal action and make sure Chase/XXXX  gets as much attention as I can draw to it.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

I was contacted by XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. Regarding two debts which XXXX claimed was assigned to them by LVNV FUNDING- RESURGENT. One debt was {$680.00} reference number XXXX, the other in the amount of {$810.00} reference number XXXX. They offered me a settlement for both accounts and that they in return would remove both negative accounts from my credit bureaus reports. Though this is a different time for me financially, I decided to sacrifice the little money I had in an effort to improve my credit rating by eliminating bad debt. On XXXX XXXX I spoke to a supervisor Ms.XXXX XXXX that ensured me that once the payment was made both accounts would be removed from my credit bureaus reports. I made a payment for the agreed settlement amounts on XX/XX/2021, the payment cleared my bank account on XX/XX/XXXX, XXXX also received a receipt from XXXX XXXX XXXXXXXX XXXX XXXX confirming that the payment was received and both accounts were settled. As of today XX/XX/2021 both accounts remain on all three credit bureaus. These accounts were settled and paid as agreed by the creditor/collection company. I would like both accounts removed from all three credit bureaus as agreed as this is a violation of the Fair Credit Reporting Act ( FCRA ). Please see all attached correspondence related to the settlement and payment of the above referenced account.
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (MD)

I have been investing in crypto for the past year and trading via my BinanceUS account. Recently, my ability to trade has been suspended arbitrarily forcing me to miss out on key selling and buying opportunities in this extremely volatile market resulting in losing thousands of dollars. Once that issue was resolved, BinanceUS then suspended my ability to withdraw any amount of funds from my trading account. I created a customer support ticket # XXXX on XX/XX/XXXX and # XXXX. To date, I have not received a single response. 

I would like to have full access to my account with the ability to trade AND withdraw my funds at my discretion immediately. This is a very urgent matter. Thank you
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2018-10-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (SC)

I started my mortgage with Greentree Mortgage Company, but they sold some of their accounts to Ditech in 2017. Once they sold the account I decided to pay off the remainder, however, ditech was giving us a hard time and would not let us pay it off. We called them every day for 3 months and they finally let me pay it off. Every time I spoke with Ditech I asked if we were going to have any late charges and they always assured us that we would not, but they did put us as 2 delinquent payments. these payments should not be shown as delinquent considering Ditech was refusing to take our payment.
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (GA)

I purchased the bluebird card and loaded a {$190.00} on XX/XX/XXXX. 
I tried to use after I bought it and couldn't, so I went back to XXXX and spoke to a supervisor and store manager and they said it had to be on your end. 
Because my receipt showed it had been scanned upon purchase and loading the {$190.00}, that I had to call Bluebird/American Express. 
Bluebird shows it's an invalid card ( was not scanned appropriately ). 

I have called at least 40 times and I have spoken to 8 or 9 supervisors and also spoke to XXXX in prepaid resolution dept and his supervisor. I was given an email address to forward documents for resolution and would get something in the mail within 5 to 7 days. 
Because the 3 fax numbers that had been given to me, I was continuously told they didn't receive my documents. 
After emailing on XX/XX/XXXX to XXXX I called back 2 hours and verified docs were received and spoke to XXXX supervisor and was told they had to forward documents on to the group that handles my type of complaint with the card. 
I emailed documents on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX. 
I asked for an update and to no avail. 

I'm still waiting, no update or communications.
Consumer complaint received 2023-02-24
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (DE)

Wells Fargo this issue is not resolved Now they are saying something totally different I redeposited as they requested after waiting 10 days to receive it in the mail Now they rejected the money order again without calling me I looked on line again to find out they rejected deposit Now they are saying no funds available So now they are sending me a letter a new letter and copy of money order Shouldnt the bank be able to find out why this money order was flagged again because they cant tell me they just say suspicious or fraudulent what exactly does that mean to me? 
Who rejected it?
Consumer complaint received 2022-03-02
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. (VA)

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-01
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. (CA)

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 XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Consumer complaint received 2022-05-14
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)

The Credit Bureaus never did a proper investigation '' according to the FCRA The term " investigative consumer report means a consumer report or portion thereot in which intormation on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more. 

In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible it the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 

They also violated the law because according to 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.

I did not give anybody written instructions.
Consumer complaint received 2021-08-23
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: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/20 Citizens bank.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me
Consumer complaint received 2024-11-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (TN)

The vehicle purchased has now been inspected by the XXXX XXXX XXXX XXXX XXXX in XXXX and has been estimated to cost {$12000.00} to repair the power electronics unit, coolant pipe on control unit, blue coolant and XXXX lbs of refrigerant to start car on top of other safety issues. I had to take XXXX to work for over a week and now the car seller is saying if I pay the XXXX $ towing, they would repair the car after XXXX XXXX battery was already switched off car that was on the vehicle when purchased. I filed a complaint with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and the XXXX. The only offer was to put a hold on first XXXX and an area XXXX would be in contact. The initial contract for the car was {$9900.00} and financed for {$12000.00} with an additional XXXX $ to repair the car. It doesnt even start.
Consumer complaint received 2021-05-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Original loan was with XXXX XXXX what transferred are sold to Rushmore mortgage company before my first payment was due XXXX XX/XX/XXXX I bought the house in XX/XX/XXXX I sent in my first payment as schedule to Rushmore Mortgage Company end of XXXX soda my first payment for XXXX would be definitely on time I made my XXXX payment I made my XXXX payment at the end of XXXX and that make my XXXX payment at the end off XXXX I made my XXXX payment the same time the end of XXXX my XXXX statement came with the extra amount that I owe {$5000.00} I contacted Rushmore loan company in XXXX when the bill keep coming for the extra {$5000.00} I wrote them a letter I spoke to them on the phone I was told I would go over my account they send me a check for {$700.00} because I was making extra payments to my account at the time even though they send me a check for excess amount they did not resolved my account for that {$5000.00} they are demanding for me I went to XXXX  XXXX  XXXX and ask for copies of all my payments I make extra copies and I send it to Rushmore with a letter of explanation showing all my payments include my present payment for XXXX XX/XX/XXXX yes I get no results in in resolving the extra amount being demanding on my mortgage statement in XXXX of XXXX I call Rushmore again try to resolve my account I was told that my payments were missed applied and I asked for my account to be corrected Rushmore is sending people to put notes on my door I save those envelopes as proof up to this point my account has not been resolved I contact the legal aid senior hotline asking for help I am still trying to get this resolved I can not sell my house I'm so frustrated right now because my account is not correct
Consumer complaint received 2022-08-20
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. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXXXXXX This account is not only incomplete, it's inaccurate. 

Why are there so many missing fields of information? Did XXXX XXXX not supply that information to you? 
Why isn't XXXX XXXX isn't reporting any payment history at all? 
How can I be on time in XXXX of 2021 with XXXX but 30 days late with Equifax? 
How can I be 30 days late with XXXX and 60 days late with Equifax in XXXX of 2021? 
How can I be 60 days late with XXXX and 90 days late with Equifax in XXXX of 2021? 
How can I be 90 days late with XXXX and 120 days late with Equifax in XXXX of 2021? 
Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting. 
This has caused me to suffer and its defamation of my character.
Consumer complaint received 2018-10-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TX)

We have been attempting to get our credit reporting updated to Paid Satisfactorily to XXXX, XXXX   and XXXX.

We are requesting acknowledgment of the payments made and the fact that we were on a forbearance period and paying back. When we accepted the forbearance for hurricane Harvey, we were told no negative reporting would occur. Texas was declared a federal natural disaster area so it made sense to us. Starting XX/XX/2017 we made good faith payments totaling at least {$9300.00}.

We did not request modifications or anything other than XXXX  to accept the payments we were making. We did not sign any documents and did not receive anything in writing. We were told over the phone the payments were applied as necessary and that the rest of the money was building up in a suspense account until we were caught up. We called in and made payments over the phone.

In summary, we paid a lump sum and continued to make large payments to keep the account current. To our knowledge, we were doing everything we were supposed to. The home was sold and the loan paid off in full. This negative reporting is causing extreme distress as we are not able to obtain a new mortgage as a result of this misunderstanding.
Consumer complaint received 2018-12-29
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: CORELOGIC INC (VA)

XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Corelogic Credco have inquiried hard pull in from my credit report with out my authorization and it's affecting my credit.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the Equifax data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also.
Consumer complaint received 2019-03-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

On XX/XX/19 I made a payment of {$800.00}. This was above the contractual payment amount but did not bring the loan current. The mortgage company was already holding XXXX which left roughly XXXX to bring the loan to a current status. On XX/XX/19 I was notified by XXXX that the payment had been cancelled by the recipient. I called the mortgage company about sending the payment back and was advised to send {$1800.00}. I told them it would be wired XX/XX/19. On XX/XX/19 I called to verify receipt and was told the loan was active in foreclosure, that it had been placed in foreclosure XX/XX/19. 
I asked why they didnt apply my contractual payment, per CFPB guidlines under RESPA and was told they didnt have to. They have since sent back the {$1800.00} and are still holding the XXXX, but are now charging me over {$7500.00} to avoid the foreclosure when my balance is XXXX with the XXXX payment
Consumer complaint received 2022-05-04
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX 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.