davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (TX)

To Whom It May Concern, I am writing to file a formal complaint against CreditFresh, a financial institution that provides line of credit services. I am deeply concerned about their unfair and deceptive billing practices that have had a significant impact on my financial well-being. 

Description of the Issue : On XX/XX/2020, I opened an account with CreditFresh, for a line of credit. Since then, I have consistently made timely payments as required by the terms of the agreement. However, I have repeatedly encountered unjustified and exorbitant " Billing Cycle Charges '' that are added to my account on a regular basis. These " Billing Cycle Charges '' are not adequately explained and are based on a complex formula related to the outstanding principal balance. Despite numerous attempts to seek clarification from CreditFresh, I have not received satisfactory explanations for the imposition of these charges. The lack of transparency and justification for these fees is deeply concerning. My attempts to communicate my concerns with CreditFresh have been met with evasive responses and attempts to deflect the issue. Furthermore, their customer service representatives have provided inconsistent and unsatisfactory explanations for these charges, leaving me feeling frustrated and exploited. Actions Taken : I have sent multiple emails to CreditFresh, expressing my concerns about the unfair " Billing Cycle Charges '' and requesting detailed explanations for their imposition. I have received responses from CreditFresh that attempt to rationalize these charges but fail to provide a clear and transparent explanation for their calculation. I have requested that these charges be removed or substantially reduced, as they constitute an undue financial burden and are not adequately justified. I have expressed my intention to close my account with CreditFresh if these unfair billing practices are not rectified. I have taken the necessary steps to protect my rights as a consumer by seeking clarification, advocating for fair treatment, and attempting to engage CreditFresh in resolving this issue. However, the lack of appropriate responses and actions from CreditFresh has left me with no choice but to escalate this matter. I am sharing this complaint with the Consumer Financial Protection Bureau in the hope that appropriate action will be taken to investigate CreditFresh 's unfair billing practices. I believe that these practices not only harm individual consumers like myself but also undermine the principles of transparency, fairness, and ethical conduct within the financial industry. I kindly request that the Consumer Financial Protection Bureau initiate an investigation into CreditFresh 's billing practices to ensure that consumers are treated fairly and that deceptive practices are addressed promptly. Thank you for your attention to this matter. I look forward to your response and any further steps that may be
taken to address this issue.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (TX)

I am writing to dispute the accuracy and completeness of my consumer report that you have provided to me and other parties who have received this report. I believe that my consumer report is not in compliance with the laws set forth by the United States Code ( USC ) governing consumer reporting agencies.

Specifically, I believe that the information contained in my report is inaccurate, incomplete, and misleading. This inaccurate information is harming my ability to obtain credit, employment, and other important opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like yours are required to ensure that the information contained in consumer reports is accurate, complete, and up-to-date. The FCRA also requires that consumer reporting agencies investigate any disputes that are submitted by consumers like myself. 

I am requesting that you investigate the inaccurate information in my report and take steps to correct it. I am also requesting that you remove the accounts listed. 

XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Thank you for your attention to this matter. I look forward to hearing back from you. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 I tried to access my Chase online banking account, but when I logged in it said that there was fraudulent activity and I could not access the account and it said that I should call the bank. 

So then I called the bank and the told me that my account was slated for closure and they would not tell me why, or when they would close the account. They also said that there is nothing I can do And that I would not be able to access the online billing portal where I have not only the checking account that was closed but also my two credit cards. 

They said that I would not be able to access the funds until I received a check in the mail two weeks later. They also said that part of my agreement that I signed when I made the account what's the deck and close my account at any time without prior notice, or letting me know why. 

This is unacceptable.
Consumer complaint received 2023-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IL)

I am not liable for this debit with XXXX XXXX. I do not have or never held a contract with the creditors Listed below they did provide me with the original contract as requested I demand the negative accounts be removed from my account. 

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 2023-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (HI)

Loan Depot has been collecting money into an escrow account in order to pay my home owners insurance ( fire ), my hurricane insurance and my property taxes. In XX/XX/2022 they paid my fire premium ( XXXX XXXX ) to my hurricane provider ( XXXX XXXX ) in error. My home insurance provider ( XXXX XXXX ) cancelled my policy and Loan Depot then put a lender paid policy on my home. The cost of the lender policy was {$5800.00}, more than 500 % the cost of my home insurance policy with XXXX. I was notified by Loan Depot, called my HO insurance provider ( XXXX ) to provide them the information. It was then I learned that XXXX XXXX had never received payment. I called Loan Depot and spoke with a manager who was able to determine that Loan Depot had sent my fire policy premium to the wrong insurance provider. 
I was able to get a new policy on my home through XXXX. Loan Depot had indicated that they would research this error and get back to me because I asked them to refund the cost of the lender placed insurance. They have never gotten back to me. I called twice more and spoke with other managers and have received the same treatment. I am concerned that Loan Depot is making up for low-yield loans with this lender-placed insurance strategy. I know enough about the mortgage and escrow process to address this directly. However, most consumers will not able to navigate this. Despite the fact that they have admitted fault, they have never contacted me to refund this premium.
Consumer complaint received 2024-10-28
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. (NC)

Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern : I am writing to dispute certain hard inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. Specifically, under 15 U.S.C. 1681b ( c ), hard inquiries can only be conducted with my consent or for permissible purposes. I did not authorize the following inquiries on my credit report : Attach is a list of all inquiry name and date.

These inquiries were not initiated by me and, therefore, are unauthorized. Under 15 U.S.C. 1681i, I am requesting an investigation into these inquiries, as they negatively impact my credit score and overall report accuracy.

Please remove these inquiries from my credit report or provide verification that I authorized them. Additionally, if you find that these inquiries were unauthorized, I request written confirmation of their removal for my records.

Enclosed with this letter, you will find a copy of, my credit report with the unauthorized inquiries highlighted. 

Please confirm receipt of this request and provide an update within the 30 days as required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

I had an AMEX credit card shared with my son. He does work on my house and I needed him to be able to purchase materials. I haven't used the card in a while and in XXXX, I got an 'Important " email stating that if I didn't use my card, they would close it in 90 days. The statement was friendly and had a bolded area of what I should do if I chose to let it close. Just destroy cards and notify anyone with the account. I never expected my credit score and my son 's to take a big hit. My score went down by XXXX and my son 's XXXX went down by XXXX points, on the day it took effect. I've discussed this with AMEX customer service that told me to call 'AMEX Credit Bureau Unit ', who tells me to call customer service. AMEX keeps telling me to call the credit bureau but I know they can't change what's reported. My issue is, AMEX should have had a professional responsibility to warn me that the " line of credit ' I held with them would directly reduce my 'available credit '. With all the efforts out there costing ppl to repair their credit score, as a consumer, no effort was made to warn me. Any consumer would've 100 % made a purchase to keep that level of available credit. I had no idea. I casually thought it was just a " XXXX '' balance credit card that wouldn't make a difference. AMEX refuse to reinstate the card and understanding that, this shouldn't happen to anyone else. I'm asking for consumers to be better informed by the financial institutions. AMEX completely disassociated themselves with any knowledge of factors impacting credit scores. I'm so sorry I did this to my son. We all work so hard for a good credit rating, yet there's no protection ( info ) required from a credit card company that could've saved me. I only had to make a purchase.
Consumer complaint received 2023-08-18
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. (GA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-08-18
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 2023-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

16 U.S.C 1681 section 604 A Section 2 : of also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-18
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 — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO. (CA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I find the Consumer Finacial Protection Bureau Complaint Number XXXX response from Ford XXXX rude , suggestive, derogatory and favorable to their affiliate XXXX XXXX XXXX with admitting of participation in illegal activity. If there is something I have done, I think everybody should bring it out in the open. Here is the complaint revised. On XX/XX/2023, I went into XXXX XXXX XXXX XXXX to see about the possibility of purchasing a vehicle. I was never given a form to sign stating who I am applying for a car loan with. I was though given a piece of paper to sign labeled C-3 stating that XXXX XXXX XXXX XXXX is helping the government to fight terrorism and I would need to show my diver license to identify myself. Remember I was only shown document labeled C-3 and I will solemnly swear under oath and with a lie detector to that fact. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan likening. I finally got up and headed home. When I returned home, I seen that there were seven banks on my Experian account that said I applied for credit with them. XXXX XXXX XXXX XXXX was the only place I visited on XXXX. I also see that XXXX XXXX XXXX XXXX a system from a company called XXXX XXXX XXXX XXXX. They say their service provides car dealers with a credit score so that the car dealer can make a loan offer. So why the other seven bank loan applications that I was not informed of by paper or word of mouth. I know with my experience in going into car dealerships that the car dealership has the consumer sign every piece of paper shown to the consumer to prove that every piece of paper was shown. Can Ford XXXX provide the only legal way of giving permission for this credit application of a signature on that letteral page/paper?
Consumer complaint received 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

has violated my rights. Or list of inquiries 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 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HireRight Solutions, Inc. (NJ)

I went through a 3 interview with XXXXXXXX XXXX  for job opportunity, the call first round and second round and 3rd and got hired was sent a offer letter and passed drug test and created employee portal did everything that they asked me to do and when the background check went through I was contacted by HR of XXXXXXXX XXXX about XXXX basing that I did 90 days in XXXX XXXX XXXX  and I was told to explain bed which I did, and also as asked I submitted proper paperwork from the state of New Jersey XXXX XXXX clearing what XXXX XXXX HR asked about as she repeatedly kept axing me about why am I on XXXX XXXX XXXX, which I explain to her the situation in XXXX with the mother of my child and I explained as she said we dont go back that far so why ask me and I still submitted court records documents XXXX XXXX XXXX XXXX, which was my final XXXX report to XXXXXXXX XXXX HR also justifying showing her as she asked about the XXXX  with the mother of my child it was a XXXX XXXX XXXX XXXX XXXX XXXX, I was given a start date for XX/XX/XXXX and today XX/XX/XXXX XXXXXXXX XXXX  HR sent a letter they cant hire me and the consumers cant explain violating my rights and discriminatory acts showing this is discrimination act and unfairness towards me cause of me being on XXXX from a event in XXXX and I would like for hireRight consumer support to collect the proper paperwork that I sent in and correct what they have done and explained the matter as XXXXXXXX XXXX  XXXX said this consumer can not explain why Im not getting hired. Therefore, Ill be filing a discriminatory act lawsuit against XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2023-08-18
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. (GA)

I attempted to use the XXXX XXXX benefit on my Chase Sapphire Reserve at XXXX XXXX  EST on Monday XX/XX/XXXX. The XXXX benefit is one of the primary reasons I pay for the {$550.00} annual fee on this credit card.

I placed the XXXX XXXX order and was given an XXXX of XXXX XXXX  ( XXXX minutes ) The tow truck did not show up, so after 2 hours I contacted the towing company who stated I was next and it would be XXXX more minutes. XXXX minutes pass, nothing, I call back, same promise. I contact XXXX XXXX  as well who also states to just wait XXXX more minutes. In total, this happened a dozen times, I made over XXXX phone calls to Chase, XXXX XXXX, and the towing company. Each time I was told to wait 30 more minutes and that cancelling would likely elongate the time it would take for a truck to arrive. If anyone had been honest or forthcoming about the length of time it would take I would have cancelled earlier and paid out of pocket. I waited for XXXX hours in XXXX degree heat for the tow truck to arrive, was told I could not leave my car, and to continue to wait. After XXXX hours, I had to pay {$100.00} to have someone pick up my kids from school. Eventually after XXXX hours I gave up and paid {$150.00} out of pocket for another tow truck from a reputable company who was there within the hour. Chase sold me a roadside assistance benefit that left me stranded in the heat for XXXX hours making a dozen empty promises along the way. 

In attempting to resolve the situation after I took care of towing myself, Chase has completely abdicated any role or responsibility. They keep passing me off to third parties, first the XXXX XXXX  partner, and then their third party Claims Administrator. Both of those parties dont understand why Chase tells me to contact them, and frankly I dont either. 3 different parties are involved, everyone insists that its someone elses responsibility and theyre unable to help. Chase is the party who takes my {$550.00} and sells me a bogus benefit, so they should be responsible for resolution.