davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MO)

XXXX is engaged in a deceptive trade practice. They make it clear in their fee schedule that personal transactions between Paypal accounts are not assessed a fee, but the structure of their website deceives the user into sending a commercial transaction by default, where the recipient is charged a 3 % fee. Paypal tech support told me that I was fully informed that the transaction would be charged a fee, but when I went through the procedure to send money, the entire visible part of the webpage was filled with a dialog box instructing the user to select a payment source. Directly underneath that, and visible on the screen, was a " send '' button. Paypal says it was my responsibility to use the scroll bar to make the hidden part of the webpage ( above ) visible so that I could change the default value " commercial '' to " personal '' and thus avoid the fee. It seems obvious to me that this is a design feature, and that Paypal reaps extra fees through this process because of it. When I asked Paypal to cancel the transaction because of this obvious misunderstanding, I was told this was " not possible. '' I believe that Paypal is acting in bad faith, that they can't possibly be unaware of this misleading website structure. My browser was set at default magnification. 

I sent a test transaction of {$50.00} on XXXX/XXXX/2022 to make sure this process would work smoothly before doing a much larger transaction. I informed Paypal of the error and they refused to cancel the transaction. I contacted them by online chat and later by telephone.
Consumer complaint received 2021-12-10
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)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-22
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. (CA)

In accordance with the Fair Credit Reporting Act 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (KY)

We have the property for sale with an agency, The XXXX XXXX XXXXXXXX in Florida since XXXX. Previously it was with XXXX XXXX XXXX from XX/XX/XXXX to XXXX have had many sale contracts that all get cancelled because the property does not pass inspection. It is now listed cash only, As XXXX, short sale. Up until XX/XX/XXXX, we had someone keeping up with landscape and keeping inside house clean for visits. Then the lender mortgage company, without warning, changed all the locks, broke the side window door and put up some plywood to quick fix. Rain in Florida infiltrated and caused water damage inside house. 
With every sales contract, there is an inspection and appraisal. The lender had these done but won't forward the results to our agent. The last sales contract could not get an appraiser and while revisiting house, noticed all the water damage around the broken window door and cancelled sale. 
Our agent signed another sale contract with closing date set for XXXX XXXX. 
The lender said that if the buyer doesn't have all needed for XXXX AND we have to sign a promissory note of {$17000.00}, the property goes to foreclosure. 
At the moment, it is very difficult to get an XXXX. There is a big difference between their appraisal and ours.
Consumer complaint received 2022-09-22
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MN)

US Bank Home Mortgage reported my account as 120 days late, and it is showing a 0 balance. It shows that I have paid the balance, and lists that the account is closed, but the account status states " Derrogatory '' and still says 120 days late. Prior to selling my home in XXXX, I was put on a mortgage assistance plan which lowered my monthly payments and was supposed to bring my account current ( I believe this happened in XXXX, the home was sold in XXXX ). 

The reason my account became derogatory was because when I called in XXXX of XXXX, I was told that my account was in good standing. I called again a few days later to double check, and was told the same, however it turned out that one of my payments had been returned. For at least two months I went back and forth with customer service being told that it was in good standing despite having mail stating that I missed a payment. 

Eventually I spoke with a customer service rep who looked further into the details of my account and found that at this point, multiple payments had been returned, and my home was at risk of foreclosure ( this was in early spring I think ). They would not accept partial payment ( which is what they considered the payment for that current month ), and I was not in a position to pay multiple mortgage payments at once ( I was going through a divorce and on a tight budget that only covered one month 's mortgage payment per month ). 

I then applied for and was enrolled into a mortgage assistance program and was accepted, which I was told would bring my account to good standing. A few months later I sold the house, which paid off the mortgage in full, back in XXXX. Back then, I had the dates and times of my calls with customer service, but at this point, more than three years later, I don't have those details anymore since all of this should have been resolved when I enrolled in the mortgage assistance program, and certainly it should have been resolved when the mortgage was paid in full at the sale of my home.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (FL)

Several unauthorized Inquiries on my credit report, I did not authorized these institutions to run my credit report. Please remove these inquiries off my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (PA)

I contacted Bridgecrest bank in Arizona. I paid off my loan. Im trying to purchase a new vehicle. The loan is at a XXXX balance. They gave me a letter stating that the loan was it a XXXX balance I needed the lien removed so I can purchase my new vehicle, theyre claiming that there is a 10 day hold on it which I get but I dont get because they were worried about the money not clearing but they couldnt let me a title either way because theres a XXXX balance on it. I have a letter stating that my XXXX  XXXX XXXX  was paid in full and had a XXXX balance they refused to take the lien off of the title, so that I can proceed with my new loan for my new vehicle.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (DC)

I discovered on XX/XX/2021 that I could not log into my online Chase business account ; there was a message that my account was locked due to unusual activity. When I called, I learned my Chase Ink Cash card had been closed. I had received no notice they were going to close it. I had over XXXX Ultimate Rewards points, of a cash value of {$1400.00}, in my account, and I was not given notice or an opportunity to redeem these points before closure. The people I talked to on the phone said they could not give me any information about why or when my account was closed. They provided an address. I wrote a letter to Chase Card Services requesting that they reopen my account or allow me to redeem my points, but received no response. My complaint is with the failure to give notice, failure to give an opportunity to redeem my points, and failure to provide an explanation for the closure.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NJ)

I booked my flight ticket to XXXX using my chase Ultimate rewards points. I was tested positive for covid 19 on my travel day ( XX/XX/2022 ). Under cards benefits, my trip was insured and i will be given refund for medical issues. I had submitted all the required documents and filed a claim on XXXX on XX/XX/2022. It has been 65 days already. I had tried contacting Chase cards benefits departments several times. I was told claim examiner has not made any decision yet. I was also told that all required documents has been submitted.
Consumer complaint received 2019-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

I opened a savings and checking account totaling over 10,000 and linked them to my current online credit card account. I was locked out of my account due to not receiving my debit card. I called 9 times / over 3 hours and kept getting transferred and hung up on XX/XX/XXXX. I asked to have my checking and savings closed because i had linked them to my credit cards and could not access my credit cards because i could not access my checking until the debit card arrived. I finally got someone to unlink my credit cards so i could create an accessible account for them and still do not have access to the banking and savings account and Do not know what is going on with the money i have in them. The debit card arrived today and i am still unable to access the account with that info. The savings account and checking account has over 15,000 and i have no way to access the account to know if they actually closed it. I dont know where my money is and have no access to it.
Consumer complaint received 2021-07-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I called to speak with an Equifax rep at XXXX XXXX  and the rep told me that my collections were removed from my report. I called back in astonishment to verify these results and the new rep told me that the first colleague reported inaccurate information. It was disheartening that the representative would give a consumer inaccurate information and get their hopes up. I asked to speak to a supervisor once on the call with the representative that I spoke to at XXXX XXXX. The representative never got a supervisor on the phone and hung up in the middle of the call. I tried to call back multiple times with no avail. As a consumer, I am upset that the bureau would provide false information after multiple attempts of getting these collections removed.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Re : Acct # XXXX Chase, loan servicer contacted us XX/XX/2022 advising home in foreclosure however will be given time to secure employment. Hope to obtain job and tenant before years end and need confirmation that my home will not be sold from under us. In the meantime XXXX relief being sought. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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. (SC)

I have sent out this letter regarding my accounts with all three credit bureaus. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) To Whom It May Concern : I have just received a copy of my credit report. There are multiple accounts that are inaccurate and inconsistent between all three bureaus. Also addresses and phone numbers are not matching the information that I have already provided to you with my social security card, current license and my birth certificate. I would like an investigation done at this time. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Furthermore Im requesting these items for current debts owed if verified correctly : * pay off of debt * Interest rate disclosure * Balance history * Payment history * Credit insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX ( XXXX ) XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2022-11-18
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. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IA)

SYNCB/AMAZON # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which is still LAWFUL and has forbearance and credit reporting requirements that may apply to my situation. Since there is no law under the Fair Credit Reporting Act requiring your financial institution to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. Your companys policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Consumer complaint received 2022-07-22
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)

The Credit companies are not complying with their own policies in a timely manner In accordance with the Fair Credit Reporting act child support Account # XXXXXXXX XXXX XXXX  Account # 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 a account without my written instructions
Consumer complaint received 2023-03-21
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. (PA)

In accordance with the Fair Credit Reporting act. The Listed account as fellowed has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 2021-02-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (NY)

I was supposed to receive a {$50.00} promotional credit for depositing {$2000.00} from XXXX XXXXXXXX XXXX. The {$50.00} was supposed to be credited no later than XXXX/XXXXXXXX. I have not received my promotional bonus despite the fact I was induced by their promise and met the promotional terms.
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NC)

Entered Quicken Loans website this morning ( XX/XX/XXXX ) to make my XXXX ( XXXX ) payment. Website refused to accept payment ; indicated my loan had been sold to " XXXX XXXX ''. Have received no correspondence from XXXX, or XXXX XXXX, regarding this. Found a number for XXXX XXXX ( XXXX ) and called them. They indicated that the transfer is " in process '' and likely would not occur until later in XXXX. XXXX ( representative ) indicated I had 60 days to make a payment with no consequences to my delinquency status, late fees, credit reporting etc. I called Quicken and was advised that the goodbye letter had been drafted XXXX and that Quicken would also not accept any payment. Quicken refused, as did XXXX XXXX, to present any resolution. I have been associated with the mortgage industry for over 30 years and am completely confused by this ; can only imagine what the average consumer would think when presented with this situation.
Consumer complaint received 2021-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, I have a letter from the original creditor stating that I have a closed account that is paid with a XXXX $ balance XXXX XXXX with XXXX XXXX XXXX. XXXX and XXXX already removed this closed account from their reports but Transunion did not. Being the fact that the other 2 credit bureaus removed the account.
Consumer complaint received 2021-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (NJ)

I am lodging a formal complaint against nationwide recovery this debt collector has violated the fdcpa/fcra. This debt collector is reporting a {$240.00} medical debt that isnt mine. 
on my credit reports I never recieved a dunning notice in the mail which gives me 30 days to dispute. This account just came on my reports out of nowhere. I have lived at the same home for years. Not 1 letter or call from them. I am requesting nationwide to delete this account from my credit reports immediately. XXXX, and attorney general complaints will be filed next if account isnt deleted. Thanks for your time!