davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CCS Financial Services, Inc. (NY)

On XX/XX/23 I attempted to reached out to an unknown creditor that seems to be an alleged debt after making several disputes this unknown creditor came back as verified on XX/XX/23 I disputed again with this company asking what method of verification was used in order to determine this alleged debt that belongs to me there was no further reply from the company as of XX/XX/23 still no reply of a request of method of verification this account updates every month with inaccurate information there is no valid contact information either to speak to a representative or customer service no email nor phone number to contact
Consumer complaint received 2018-03-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (NE)

This is my second complaint. Sallie Mae is ridiculous. 

I spoke to a rep named XXXX who could not reach my account manager. I have never actually spoken to the account manager supposedly dealing with my account. Never, and the last 4 reps tried to contact her. 

XXXX after listening to my questions said that yes I was given incorrect information multiples times regarding my loan and apologized on behalf of his coworkers. 

I was transferred to another rep, I could not catch his name, but we spoke for an hour. 

He offered me a TRMP plan where for 2 years I have a 2 % interest rate and payments are automatically debited from my account. I hated releasing my banking info because knowing them they will pull when they want and act like they haven't, but after 7 months of fighting this is all they offer. My cosigner is long gone, so it is just me and I have no options. 

The rep stated that I MUST pay {$240.00} on the same day, the XXXX, to keep a delinquency report from happening. So I did, leaving me with less than {$40.00} for the next week and a half. I have been eating 1 meal every 3 days because of this. 

Amazingly enough I was notified that my credit was hit by Sallie Mae for missing my payment, 3 days after it went through. 

They are unbelievable liars and scammers. They do not care about the wellbeing of their borrowers and say whatever they can to get you off the phone fastest. 

It has been well over 15 days and they still have not replied to my first complaint.
Consumer complaint received 2023-08-25
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: EQUIFAX, INC. (PA)

EQUIFAX IS IN VIOLATION OF THE FCRA BY REPORTING INQUIRIES ON MY CONSUMER REPORT WITHOUT MY CONSENT. I DO NOT CONSENT, AUTOHRIZE, NOR BENEFIT FROM THE REPORTED INQUIRIES IN MY CONSUMER REPORT. I DEMAND ALL INQUIRIES BE DELETED IMMEDIATELY. EQUIFAX BLATANTLY DISREGARDED MY LAST REQUEST TO DELETE THESE INQUIRIES. I WILL NOT LET UP UNTIL THESE INQURIES GET DELETED.
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (TN)

I was trying to place an order on Amazon and was having problems with the Internet ; I was trying to submit my order and accidently pushed apply button. The Chase Bank Card has put an Inquiry on my credit report and I want this to be removed because I did not apply for any credit. I was just trying to push the Add to Cart button and since there was problems with the Internet, I accidently pushed Apply. Please help get this removed from my credit report.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This is to inform the CFPB, with the respect that the agency, deserve that I am fully aware of the procedures on how the CFPB, helps us as consumers, I am a consumer practicing my legal rights, notice to agent is notice to principal, notice to principle is notice to agent, my understandings are the following, how does CFPB enforce to help consumers when they enforce the law, we or a court may order the defendant to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm by providing consumer redress. Obtaining consumer redress is a top priority in any enforcement action or public enforcement actions. When warranted by the investigation, Enforcement may seek authority from the Director to take a public enforcement action. Alternatively, Enforcement may close the investigation without taking public action or refer the matter to the Office of Supervision Examinations to resolve the matter through our supervisory process. If the Director authorizes a public enforcement action, we may bring the action in state or federal court or institute an administrative adjudication proceeding. Administrative adjudication proceedings are formal adversarial proceedings conducted by an administrative law judge, who issues a recommended decision to the Bureaus Director. The Director issues a final decision, either adopting or modifying the administrative law judges recommended decision. When we enforce the law, we or a court may order the defendant to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm by providing consumer redress. Obtaining consumer redress is a top priority in any Enforcement action. In addition, we also have obtained a wide range of injunctive relief designed to stop unlawful conduct and prevent future violations. In some instances, relief has included banning individuals and companies from future participation in the marketplace. And just to let the CFPB know with all the respect the agency deserves which I has no intention to promote any unlawful, false, or fraudulent purpose, to promote or conduct an illegitimate object or purpose, or is being requested or submitted in bad faith or for the purpose of harassing or defrauding a person, those companies that I have mentioned on the PDF file linked to this report has violated several times and disregard the noticed send by certified mail. on all companies mentioned on this attachment please address and enforce those violations since I have been disputing those accounts for the past month and for the past three years. And with respect I am aware of 12 section 411 which I have a dress to all the companies mention on the PDF file which they have disregarded. 
thank you.
Consumer complaint received 2018-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United Group Inc. (OR)

I am purchasing a motorcycle and the payments are set at XXXX. I have made each payment within the grace period each month. My payment amount has been XXXX dollars. My intent was to have the extra money applied to the principal. However that has not been happening. I first noticed in XX/XX/XXXX. I called the company United Finance Co and asked that my additional funds be placed on the principal. They told me they were.. however I was looking at my XX/XX/XXXX statement that was less then the monthly installment. I didn't ask for a supervisor but one came on the line. He continued to tell me that my funds were being placed on the principal however could NOT explain why my statement was less then the installment amount. His resolution was to send me an amortization letter that I never received. When I called in the next month to make my payment, the agent that took the call reiterated the company position that my funds were applying to the principal even though I was looking at yet another statement that was even less then my installment. She did send an amortization schedule that I did recieve.and yet again my next monthly statement reflected an even lesser amount due then the previous.
Consumer complaint received 2018-04-22
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company (FL)

Good evening, I recently closed on my very first home on XX/XX/XXXX. With all the excitement and incentives received on my behalf was a Blessing in so I thought. As of today XX/XX/XXXX I have yet to receive the Realtor Rebate to pay off my early termination fee for my apartment. This noted on my closing disclosure and documents Ive signed throughout this process prior to completing the closing. 

As of XX/XX/XXXX, I turned in my keys to my apartment complex and found out that they have yet to received the realtor rebate. 

I contacted my realtor at XXXX XXXX and continue to ask whats going on. I was referred back to the XXXX XXXX XXXX XXXX. 

Someone is passing the Buck. 

I paid a visit to the title company DHI to be informed that the information was wrong and they dont know what to do or what happened and that the credit was there but was not billed. 

This is a very big issue for me, because this could go against my credit on none payment of early termination. 

At this time I feel that the company is giving me the run around and not fessing up to the truth to what happen and what they will do. 

The realtors broker tried to contact title on several occasions to be informed that no one is in. 

What I want to happen from this complaint is a check in the amount of {$2700.00} to be paid to the perspective company on file. 

XXXX XXXX XXXX is and has been in receipt of all pertinent documentation for this process. i.e. XXXX and invoice of the companies information. 

I need this transaction to be processed before early part of XX/XX/XXXX or sooner. 

Your assistance to this matter is very much obliged.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

So on XXXX XXXX I was diagnosed with XXXX, it was so severe I had to be in the hospital I explained to my landlord I lost my job due to my illness. 
I had just got this apartment two weeks ago that month, and they are now putting it on my credit report that I owe {$8700.00} dollars. 
When in reality I hadnt moved my stuff in, and I hadnt moved in yet officially because I was ill. 
I need this removed so now that I am recovered I can get a new apartment.
Consumer complaint received 2023-08-25
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: Experian Information Solutions Inc. (TX)

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX ( Original Creditor : XXXX XXXX CREDIT CARD ) XXXX. Please delete this account ASAP.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MN)

I can no longer access my online account to check balances and pay the credit card. Today I was asked to check two boxes. 

One box is an Online Electronic Disclosure and Consent The other box I had to agree to is a Digital Services Agreement. 

Chase Credit Card wants me to agree to electronic notifications in lieu of receiving statement et al by U. S. Mail. I believe that is bullying by Chase. One agreement is 10 pages long and the other agreement is 124 pages long. If I don't agree to consents and agreements, I am unable to access my online account. The customer should always have a choice as to how they want to receive statements and the customer should always be able to access their credit card information and to be able to pay off their credit card online. 

Here is a copy of what I am forced to agree to in order to access my accounts online. Right now I can not access my account until I agree to this consent and agreement. Chase doesn't give me any other options. 

Disclosures and Agreements 70percent complete. 
Accept Disclosures and Agreements Please choose " Next '' after you accept the terms for the agreements. If you don't accept them, you won't be able to see or manage your accounts online. 

Online Electronic Disclosure and Consent In order to manage your accounts online, you will need to review and agree to the Opens PDF : Online Electronic Disclosure and Consent ( version in XXXX of the Opens PDF : Online Electronic Disclosure and Consent ). Please print a copy for your records. It explains the terms and conditions we follow when we send certain electronic communications. 
By choosing " I agree, '' you acknowledge that you have read and agree to the terms of the Online Electronic Disclosure and Consent, that you can access the sample PDF, that you consent to receive electronic notices, disclosures, statements, agreements and other documents and communications ( " Electronic Communications '' ) for your accounts, and that you agree to use electronic signatures in connection with Electronic Communications, as described in the disclosure. 
I agree to the Online Electronic Disclosure and Consent Digital Services Agreement Please read the Opens PDF : Digital Services Agreement ( version in XXXX of the Opens PDF : Digital Services Agreement ) and print a copy for your records. It explains the terms and conditions for customers who use digital services such as account alerts, bill payment and account transfers. 
By choosing " I agree, '' you acknowledge that you have read and agree to the terms and conditions of Digital Services Agreement. 
I agree to the Digital Services Agreement You won't be able to come back to this page to make changes, so make sure everything looks OK before choosing " Next. ''
Consumer complaint received 2023-08-24
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. (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.

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 2023-04-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I pulled my credit report to make sure everything was correct. When viewing all 3 reports from XXXX, XXXX, XXXX and they are all reporting differently. Listed below is all the categories that show differently amongst all 3 bureaus. I sent a letter informing XXXX XXXX informing that the information that was presenting on credit reports is showing differenky on XX/XX/2023 and again XX/XX/2023. I would like for XXXX XXXX to make sure all information reporting is corrected. I have already sent a letter to the bureaus to either update the account to reflect correctly or delete per per TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 391. FURNISHING FALSE CREDIT INFORMATION Listed below are all the categories showing differently : Date opened Last verified account status payment status comments date last payment no. of months ( terms ) Payment frequency
Consumer complaint received 2018-08-12
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: EQUIFAX, INC. (CA)

on XX/XX/2016 as we were closing on our house our credit was pulled one last time and we found out a account was opened at XXXX XXXX by someone who stole our info while applying for our home loan someone associated with our lender took our info and applied for a XXXX XXXX card. We called XXXX XXXX they researched it the people bought thousands of dollars worth of merchandise they maxed out the account they opened and XXXX XXXX acknowledged it was fraud and not us who opened the acct. We asked the account be closed and not be reported on our credit. We found out the name and social didn't even match to us yet this showed up on our credit report and we have been trying to get it off since XX/XX/2016 with no luck. XXXX XXXX tells us to contact the credit bureau which we have disputed this on our report a few times. The credit bureau says to contact XXXX XXXX to have it removed we have and still it remains on our report.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XX/XX/XXXX - I mistakenly paid the Bank of America Card {$4400.00} instead of the vendor I had intended. 
XX/XX/XXXX -I called BOA and asked them to return the money to my account. I was told 'no problem, I've got you! ' XX/XX/XXXX -No money was transfered. Frequent checks to app to see my bank account did not receive the money. I was unable to pay the intended vendor fully. 
XXXX - no money was transferred. I called and was told they would escalate it to a manager. I was told 'It will take 2 weeks to transfer it to you " XXXX - No escalation evident after call. 
XX/XX/XXXX - No escalation or return of money. Person on phone waid I should send a fax copy of my bank statement to BOA so they can confirm the initial transfer. 
Around this time I received a letter dated XX/XX/XXXX stating they were looking into this. 
XX/XX/XXXX - Sent fax with my bank account info showing initial transfer. 
It is now 4 weeks with no resolution. 
Around this time I received a letter saying the money was 'transferred back to my account. ' Frequent checks on my bank account showed no transfer. 
XX/XX/XXXX - after frequent calls to BOA, I could not get my problem escalated to be a level where it could be solved. No return of money yet. I was now was told ' the transfer back to my account was complete '. That the date of transfer back to my account is allegedly XX/XX/XXXX. I was told a 30 business day waiting period was initiated on XX/XX/XXXX - 30 days after my first request. I was not given the info they required at that time. 
XX/XX/XXXX - Calls to my personal bank indicated there was no money waiting to be transferred into my account. 

Every call takes over an hour- the screening robo answering service is difficult to get through to a person. No person is able to assist and solve this problem. 

XX/XX/XXXX - My bank- XXXX XXXX- has initiated an investigation and may reinstate my account while waiting for the BOA. 

BOA has offered no assistance to shephard this issue through the system. I feel my money has been stolen. I don't know where it is.
Consumer complaint received 2018-04-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (IN)

Hey, I do not know where this account has come from. The account was opened XX/XX/2015 for an amount of {$71.00}. I have tried to contact the the creditor but there is not an efficient phone number to actually get a hold of someone to talk to about this.