davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
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: Experian Information Solutions Inc. (IN)

A hard inquiry credit check was performed through Experian as requested by XXXX XXXX XXXX on XX/XX/2021. This was not authorized by me. My identity monitoring service notified me of this activity, therefore I believe I may be the victim of identity fraud. 
I tried contacting XXXX XXXX XXXX directly, but this is not possible without having an account with them. I have alerted all 3 credit bureaus and am currently completing remediation steps.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Around XX/XX/XXXX, I opened an American Express Gold Card after being offered a sign-up bonus of XXXX points after spending a minimum of {$4000.00} in 6 months. I exceeded the minimum spending by the end of the 6 months in early XX/XX/XXXX but did not receive the bonus. 

When I contacted Amex through mobile chat to figure out why, I was told that the offer for my account was 3 months, not 6 months, and that there was nothing they could do. 

I called Amex phone support and was told the same thing and, in addition, that after 92 days I was only {$10.00} short of {$4000.00}, which added to my frustration. 

I then reached out to Amex support through XXXX, which led to an online chat with the same response, even though I told them I had written down the terms of the offer when I was approved and had found information on Amexs own website dated XX/XX/XXXX, that said that the promotional offer was 6 months. 

When I was approved for the credit card, Amex did not specify the terms of the promotional offer that applied to my account, and I assumed nothing was amiss because I didnt receive any further information about it. Its frustrating because its my word against theirs and whatever their system coded is considered infallible. 

The same sign-up bonus is being offered to this day. If other people had the same experience as I did, it means that Amex is misleading consumers into opening credit cards by enticing them with a sign-up bonus worth at least {$600.00} and later denying that bonus if they cant satisfy the more restrictive terms. I believe that is unfair.
Consumer complaint received 2021-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint it's a city bank company that keeps harassing me about different amounts of money sometimes its one month sometimes it's two or sometimes it's all about escrow but they never know what it's really happening i complaint about this problem few times before it's been almost 3 years im dealing with them and keep asking about the origin of the amounts owed but they don't know they keep sending me the paperwork and they say you look where the money owed is but and its nonsense i said I will pay them with any problems if they provide the proved where is the shortest in XXXX i got a loan modification and I haven't missed a payment they claimed its an escrow but every year they adjusted it I was supposed to pay only {$1400.00} and since XXXX I been paying more {$1500.00} and more and since XXXX {$1600.00} but always overpaid them and they keep saying i owed them
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (AL)

Sent payoff via personal check to Kia Finance on XX/XX/XXXX. Payment was delivered to Kia 's lockbox on XX/XX/XXXX and check was negotiated on XX/XX/XXXX. 
Revived a letter from Kia on XXXX saying turn-in of car was late. I called and spoke to XXXX that afternoon. Spoke further to another rep and went through gross detail on payment. Provided a picture copy of check via upload. on XX/XX/XXXX got a call from XXXX at XXXX. She asked for an official copy and asked to send to XXXX ( rediculously long email address and just asks for a mistake in typing ). I sent the following day ; assumed that with no kick back email it must have landed correctly. Monitored my account and expected some communication. With none forthcoming, I emailed the same email address on Monday XX/XX/XXXX and continued to send each day through XX/XX/XXXX and again on Monday XX/XX/XXXX. 
After no communication I checked my account on website : a new collections letter was generated on XX/XX/XXXX ; it stated that I had done nothing to communicate to the company. Called XX/XX/XXXX spoke to XXXX in collections; explained the problem she sent me to XXXX who asked me to re-send the check image and to upload to the system. There is not upload category for this on my account, so I uploaded the image to the payoff category. All interactions have been professional but the obvious lack of receipt controls is disturbing. The lack of follow up is disturbing. The company 's CPA firm needs to review the receipt function and research functions- there are swiss cheese holes here.
Consumer complaint received 2021-07-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (TX)

We have paid overage payments during most of the loan 's history. However, the balance doesn't correctly represent the payments made. We have requested all overages to be applied to the principle. Yet, there has been no explanation as to why GM won't apply the overages to the principle. The loan contract is due to expire in XX/XX/2021. We are trying to understand why there are now 8 payments left. Each month an additional payment gets added to the loan. The car loan was a 0 % interest loan, " supposedly. '' With no interest applied, the whole payment made to the loan should go to the principle. There have been many credit reports that document an interest of approx. 2.9 %. All of our loan documents state there should be no interest applied. We have requested a full payment history, which has not been successful.
Consumer complaint received 2021-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This account isn't mines and I did not authorize these inquires. I wish for them to be removed and blocked from my credit report immediately because they are hurting my character. I have worked hard to build my credit and I would like for the consumer reporting agencies to do their job and not furnish deceptive information to my credit reports. I am working on building a non-profit community for battered women and this is holding me back. Please help me, as a consumer, I'm begging someone to hold these companies accountable for violating my consumer rights with inaccurate information, abusing my privacy, allowing my character to be hurt without my consent.
Consumer complaint received 2021-06-24
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: EQUIFAX, INC. (TX)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2021-07-23
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. (MI)

I have contacted each of the credit bureaus multiple times regarding accounts that I don't recognize reporting on my credit and requested an actual investigation. Unfortunately, that never happened. I was told the items were verified but I conducted my own investigation and contacted the company directly and they did not verify anything with me. I even sent proof to the credit bureaus of my communications with the creditor and they never responded. Additionally, they responded to my first request well after the 30 days. My rights as a consumer have been violated by the bureaus in more than one instance and something needs to be done.
Consumer complaint received 2021-07-17
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)

U S DEPT OF EDXXXX {$5500.00} Closed 22 potentially negative months DEPT OF ED/XXXX  {$0.00} Closed 10 late payments Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type - Balance on XX/XX/XXXX Loan Amount {$0.00} {$5500.00} Payment Info Status At least 120 days or more than four payments past due Status date XX/XX/XXXX Past due amount - Original loan amount {$5500.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - - - XXXX XXXX 120 120 120 XXXX 90 120 120 120 120 120 120 XXXX - On Time 120+ Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments CONSUMER DISPUTES - REINVESTIGATION IN PROGRESS Your statements - Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX  Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX. XXXX  XXXX, XXXX, GA, XXXX US DEPARTMENT OF EDU {$5500.00} Closed 44 potentially negative months DEPTEDXXXX {$0.00} Closed 9 late payments Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Balance on XX/XX/XXXX Loan Amount {$0.00} {$5500.00} Payment Info Status 120 days past due Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$5500.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 120 120 - - - - - - - - - - XXXX 90 120 120 120 120 120 120 XXXX - - - - - On Time 120+ Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual account Terms 120 Months Company sold - Original creditor - Comments Account closed due to transfer Your statements - Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your TransUnion Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to TransUnion. Dispute with TransUnion Online or by Mail at XXXX. XX/XX/XXXXXXXX, XXXX, PA XXXX US DEPT ED {$5500.00} Closed Unknown payment history
Consumer complaint received 2021-07-16
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. (SC)

I have submitted a complaint 60 days ago and still have not received a response back from any of the bureaus, they have been closing my complaints by sending back authorization of verification when I have sent all documents with all Identification including : Drivers License, Social Security Card, and Proof of Address, this has been more time than allotted to respond, please delete all accounts not verified at once, I feel I am being ignored and if I send another letter this will go no where. Please do not respond with anymore authorization for verification, I feel this is a stall tactic to gain more time for not doing your jobs correctly, I have supplied all items needed for the investigation to take place, and you have neglected to do so. I am not just another nobody, this is affecting how I live my life. 
Complaint numbers as follows : XXXX : XXXX  XXXX : TRANSUNION XXXX : XXXX XXXX : XXXX
Consumer complaint received 2021-07-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

please review the following accounts that appear on my credit report, they do not belong to me, and are hurting me. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

2. Identity Theft PORTFOLIO RECOV ASSOC Account Number : XXXX This is not mine. 

3. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Number : XXXX This is not mine. 

7. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

My dispute is in regards to a 30-day late status for my Discover card in XX/XX/2021. I was given incorrect payment information which resulted in the incorrect reporting. I already tried to dispute the issue with both Discover and XXXX  but Discover refuses to correct the error. My household income was reduced significantly due to the COVID-19 pandemic. As a result, I was referred to a covid-19 relief department which placed me on a payment relief payment plan. It appears that the main customer service department and the COVID-19 relief department were not on the same page with the payment agreement. I kept receiving calls about my Discover card being late but when I would contact the relief department, I would be informed that my payment was current. I have never been late with Discover and had I known there was an issue, I would have simply paid the amount needed to avoid the 30-day late status. When I spoke to Discover customer service, the reps had no regard for my situation and were not willing to retract the status despite hearing my situation. The relief department also gave me incorrect info in regards to being current. There was significant confusion between the departments and misinformation provided to me.
Consumer complaint received 2021-07-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NY)

I am a natural person, consumer and Original Creditor. Actions that were taken me are below. My right to rescind was oppressed.

I have exercised my right to rescind within three years and the alleged obligation has not been fulfilled. I was met with a response from XXXX XXXX, Executive Resolution Advocate and member of Quicken Loans Senior Research Team. I sent certified mail with green return receipt. On the comparable recession form provided to me by Quicken Loans, XXXX XXXX, Director of Accounting & Political Programs at Quicken Loans is who I expected a response from per their request to address it to the Accounting Director.

I again am exercising my right to rescind from this consumer credit transaction, pursuant to 15 U.S. Code 1635 ( a ) ( b ) ( f ). Coupled with this cover letter is the, Notice of Right to Cancel form signed by me, the consumer. XXXX XXXX XXXX. In addition, I, XXXX XXXX am aware of 15 U.S. Code 1640 ( 2 ) ( A ) ( i ) and have identified that a finance charge, defined pursuant to 15 U.S. Code 1605 was assessed however, it did not include the sum of all charges ; Insurance ; ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. I, the consumer demand cure pursuant to 15 U.S. Code 1640 ( 2 ) ( A ) ( i ). Pursuant to 15 U.S. Code 1692e I the consumer was called a Borrower, that is false and misleading due to the fact that this is a consumer credit transaction.

Under 15 U.S. Code 1635 ( a ) ( b ) ( f ) - Right of rescission as to certain transactions ( a ) Disclosure of obligors right to rescind - Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.

Pursuant to 15 U.S. Code 1635 ( a ) ( b ) ( f ) I have the right to recession of any consumer credit transaction according to section ( 4 ) Applicability - This subsection shall apply to all consumer credit transactions in existence or consummated on or after XXXX XXXX XXXX. Secondly, section ( f ) Time limit for exercise of right - An obligors right of rescission shall expire three years after the date of consummation of the transaction or upon the sale of the property, whichever occurs first.

15 U.S. Code 1605 - See proof attached as Exhibit A 15 U.S. Code 1640 ( 2 ) ( A ) ( i ) ( i ) - See proof attached as Exhibit B 15 U.S. Code 1635 ( a ) ( b ) ( f ) - See proof attached as Exhibit C 15 U.S. Code 1692e - See proof attached as Exhibit C Fact, applicable law is federal law. See proof attached as Exhibit E
Consumer complaint received 2021-07-16
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

On XX/XX/2021 I purchased a MoneyGram money order from my credit union XXXX XXXX XXXXXXXX XXXX XXXX union. Its for {$670.00} money order reference number # XXXX. I filled it out in permanent ink making it payable to my landlord XXXX XXXX. My name XXXX XXXX as signature and my address as well. I mailed it using the mailbox in my neighborhood on the corner of XXXX XXXX and XXXX XXXX. 
On XX/XX/2021 that money order was cashed but my landlord still states he hadnt received it. I went to my credit union and was told they use third party money orders and I have to take it up with MoneyGram. I called MoneyGram and was told that I would have to pay {$18.00} to request a copy of the money order. I did that and waited almost 3 weeks to receive it in the mail. When I got the copy it is clear that this money order was altered as the criminal only wrote over my words on there. 
So now I have the copy and I called MoneyGram back and was told that I need to request a description of where the money order was cashed. This service was free but necessary in order to start the process for refund. I waited a week for that email. On XX/XX/2021 I got the email from MoneyGram that told me XXXX XXXX bank cleared the money order on XX/XX/2021 and gave sequence # XXXX. MoneyGram says the money order cashed on XX/XX/2021. 
I then called XXXX XXXX and was met with representatives that told me they will have nothing to do with this. They wont trace the sequence number. They wont help me at all. 
I called MoneyGram back and now with the copy of the money and the email with the source that cashed the money order, I can now move forward with the actual refund process. I am currently waiting on an email and a hard copy of an affidavit to fill out and return to MoneyGram. They state the process could take 3-6 months possibly a year for a refund and even then its not guaranteed. I just dont know what to do. My landlord needs that rent and I need my home. 
The criminal was able to get my money right away without a hitch. Im the victim and I have to jump hurdles just for someone to help or even hear me out. 
XXXX XXXX was the front line of defense to protect me against this criminal act and they failed. I do not have an account with XXXX XXXX so I was told I cant file a complaint with the Office of Comptroller of Currency. 
I was referred by the OCC to Consumer Financial Protection Bureau to file the complaint because its a MoneyGram money order. 
Please someone help me. 

Sincerely, XXXX XXXX