davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (MI)

My father passed away in XXXX of XXXX. His XXXX funds where deposited to a Direct Express mastercard which apparently has no physical location. On XX/XX/XXXX I received my personal representative papers and filled out the paperwork to have the balance of XXXX on his Direct Express card disbursed to the estate. I received a letter on XXXX stating the funds were disbursed. When I had not received the funds by XXXX, I called Direct Express to check on the status and was told that the funds left the account on XXXX but she did not know where they had gone. I was transferred several times until I reached XXXX who said she could only speak to my father and who hung up on me when I asked to speak to a supervisor. On XXXX, I called again and spoke to XXXX in the fraud department who said the funds had been sent to my lawyer 's office and the check had been issued on either XXXX or XXXX. She told me to call back if the check still had not been received by the end of the month. I called back on XXXX to ask for the funds to be reissued and mailed to my address since the check had not been received by myself or the lawyer 's office. The person I spoke to told me the case was closed and if i called back I would get the same response and then she hung up on me. I emailed the probate emailing address and requested the check be reissued and gave the address. I also called and left a message on the probate number. I did not receive a response to my call or email. I called again on XXXX and spoke to XXXX and she said she would have someone from upper management call me back. No on called me back. On XXXX, I called again and informed Direct Express I would be filing a complaint.
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: Experian Information Solutions Inc. (LA)

In accordance with fair credit reporting act. XXXX XXXX XXXX XXXXXXXX has violated my right.

15 USC 1681 sec 602 ( a ) i have right to privacy 15USC sec 1681 sec 604 ( a ) it also states a consumer reporting agency can not furnish a account without any written instructions
Consumer complaint received 2023-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/XXXX I received a call from a man claiming to be from chase and asked if I had made a wire transfer. I said no so he walked me thru what he said was a reversal and had me note rev on the wire. I told him I wasnt comfortable and he told me to verify the number he called from was the number on the back of my chase debit card which it was. The wire was for {$3500.00} and a {$25.00} transaction fee. Once I realized I had been scammed I contacted chase on XX/XX/XXXX. Their wire fraud only communicates thru secure message on their app and they stated that the receiving bank, XXXX XXXX required a letter on indemnity. I was instructed to contact customer claims and ask that a letter be drafted and sent to XXXX XXXX. I did this on XX/XX/XXXX and was instructed to call be on XX/XX/XXXX to confirm the letter had been sent. When I called I was told that the letter had been drafted. I called again XX/XX/XXXX and was told that Chase no longer drafted such letters and it had been several years ago that they had stopped. I contacted thru secure message the wire fraud team and was told to once again contact customer claims. During this time period I had received 20 plus fraudulent calls from phone numbers associated with chase and I have had to shut off multiple debit cards over the last 3 months in fear of my card info being stolen.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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 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 2016-01-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (TX)

We are a law firm that represents Hurricane XXXX Victims. We have achieved a settlement for our client. We are listed as a payee on the settlement check as well as Residential Credit Solutions. Residential Credit Solutions refuses to endorse the check so we may recover our contractually obligated fees and expenses.
Consumer complaint received 2023-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (VA)

XX/XX/2023 : Provided company with document from the XXXX XXXX XXXXXXXXXXXX XXXX affirming my status as a XXXX veteran and stating that as such I am not obliged to pay property taxes. Requested company to provide refund of property taxes paid. Subsequently made several attempts during the second half of XXXX and also during first week of XXXX to speak with a company representative in order to obtain information about the status of the refund of property taxes. I have not been able to speak with anyone. Similarly, because the company 's website is not functioning properly, I can not access my account information online.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NY)

I want to begin by stating that I am an employee at the CFPB. I have a XXXX XXXX XXXX XXXX which is issued by Comenity Bank. The purpose of using this credit card is to obtain 5 % cash back awards on purchases made at XXXX XXXX XXXX. You can then use the awards in {$10.00} increments while making a purchase at XXXX. The last time I was able to use my awards was on XX/XX/22. Since then the Comenity Bank XXXX Credit Card website posted several messages about a system update creating errors with their system. The awards portal has shown now for a month that they are currently updating their systems and you may see a delay loading your rewards. The account will be updated to reflect your correct earning activity as soon as possible. However, none of my awards have been accumulating on the Comenity Bank website and the BJs website is also showing me a notice when I log in that there is a system issue causing delay in posting awards. I assume this is because of the Comenity Bank issues. Since XX/XX/22, I have made XXXX purchases at BJs totaling {$970.00}. With the 5 % award calculation, I should have earned {$40.00} worth of awards for immediate use. None of these awards have been issued for my use at BJs. The Comenity Bank website shows {$20.00} earned and they have not been loaded onto the BJs membership account. Furthermore, each purchase is supposed to reflect the amount of awards earned per purchase, and since XX/XX/22, it has been showing {$0.00} awards earned per purchase. The last purchase I made on XX/XX/22, finally showed some earnings occurring, but it was not at the correct 5 % amount. The system calculated awards earnings of 1 % on the XX/XX/22 purchase. A representative at Comenity Bank attempted to assist me on XX/XX/22, but had no success in resolving anything as she stated the system issues still need to be resolved and that she could not make any adjustments within the awards portal. Additionally, one of the awards that is showing from the {$20.00} says it will expire on XX/XX/22. If this isn't resolved by then I am at risk of losing it strictly due to Comenity Bank 's system issues. I am requesting assistance in getting my awards situation resolved with Comenity Bank.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello, I send a letter to the 3 credit bureaus to fix my personal information and it was not fixed. As of today, it still says my name is XXXX XXXX XXXX. My real name is XXXX XXXX and also have an address that currently has nothing to do with me on there. I send them my Social Security Card and other government documents as evidence. 

Sending you the attached file. This letter was sent to all 3 credit bureaus.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

I was expecting a check for {$1200.00} from the XXXX. After waiting for two months without receiving it, I contacted the XXXX and was informed that the check had been mobile deposited and cashed on XX/XX/year>. 

The check was mistakenly delivered to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, while I reside at XXXX XXXX XXXX XXXX. This mis delivery has been an ongoing issue, as I have repeatedly failed to receive important mail at my correct address. 

I currently XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, at XXXX XXXX XXXX XXXX. The XXXX provided us with a copy of the cashed check, which was electronically deposited by someone using the name " XXXX XXXX '' at the XXXX XXXX XXXX XXXX address. Upon contacting XXXX, we discovered that while the name on the account matched my friend 's name, the social security number and other personal information did not. 

Further investigation and a property records search revealed that an individual named XXXX XXXX XXXX resides at the XXXX XXXX address. It appears this person forged my endorsement on the check, made it payable to the " fake XXXX XXXX, '' and successfully deposited the funds into their account. This means my best friend 's identity has been stolen and compromised as a result. 

I have filed a police report, reported the incident to the XXXX XXXX XXXX, and notified the relevant banks. However, no action has been taken so far. I urgently request the recovery of my funds and the prosecution of the individual involved to the fullest extent of the law. 

This check was issued by chased bank, but it was mobile deposited into a XXXX account
Consumer complaint received 2022-07-22
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (TX)

I had my Barclays Priceline Travel Rewards XXXX for years ( maybe XXXX? ) and had been in good standing for the last several years with a credit limit of {$6500.00}. 
I received a letter in the mail last weekend ( XX/XX/XXXX ) that my account had been closed due to late payments missed. 
I was confused, as I knew I had paid my account down to {$0.00} sometime in XX/XX/XXXX. I logged into my account, and I saw a balance of roughly {$55.00} that had accumulated from interest and late fees from said interest over several months. After I paid my balance with Barclays down to {$0.00} in XXXX, a XXXX statement posted with {$1.00} in interest. I had no knowledge that this statement existed, or I would have happily paid it. After paying the balance to {$0.00} in XXXX, I never logged into the account until receiving the letter this XXXX. No attempt to contact me was made, other than statements that were posting to a junk folder in an email I no longer use. 
I have settled the outstanding balance with Barclays upon receiving the letter, but in return, my credit score has dropped XXXX points from the account closure and missed payments, and Ive lost a line of credit that Ive had for years. When I contacted Barclays I was told nothing could be done and I filed a complaint to have someone contact me. I have not received any communication from them since filing the complaint. I am beyond frustrated that ZERO attempt was made to contact me via phone ( which is on file ) or post about the outstanding balance, other than the letter that arrived 5 months later stating that the account had already been closed - ruining my credit score and removing my access to this line of credit. Its about more than the estimated {$55.00}, this has deeply impacted my ability to obtain other lines of credit and will take years to repair. I feel cheated that not one customer representative tried to contact me to collect payment, solely relying on an automated service that was hanging in limbo in an abandoned email account.
Consumer complaint received 2022-07-22
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. (OH)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 immediately.
Consumer complaint received 2022-07-22
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. (OH)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-22
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. (MS)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, XXXXbut I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be update as soon as possible. 
XXXX XXXX XXXX : {$4100.00}
Consumer complaint received 2022-07-22
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-22
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. (IN)

On XX/XX/2022, Isent a letter to the courthouse asking do the report bankruptcies to the credit bureas and I got a letter stating '' They do not report any bankruptcies to anybcyody. '' So if thats the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term ''investigative consumer report '' means a consumer report or portion thereof in which iformation on a consumer 's character, general reputation, personal charactericstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

They credit bureaus violated my given rights under USC 1681.

According to U.S.c 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2022-07-22
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Ascent Holding Co (NV)

I applied for a student loan through Ascent 's website on Sunday, XX/XX/2022, after thoroughly researching private student loan interest rates on many sites. Ascent advertises they offer a 3.27 % Fixed APR for credit-worthy borrowers. Upon applying, I was prompted to add a cosigner due to my lack of sufficient income. I had my mom added as the cosigner. After she completed her application, I was pre-qualified and I could choose a loan product to see my individual rate. I went through and chose the options that would yield me the lowest fixed interest rate. To my surprise, the lowest offered to me was over 9 %. Mine and my cosigner 's XXXX scores are XXXX and XXXX Credit scores over 800 are generally considered well-qualified and credit-worthy. On Friday, XX/XX/XXXX, my cosigner called Ascent to ask what would qualify someone for a lower interest rate, or just anything closer to the advertised 3.27 %. The representative could not provide much information. I proceeded to call and spoke with two representatives. They both could not tell me what would qualify someone for the low rates being advertised, but that it depends on credit and debt-to-income ratio, and other factors. I requested a call back with more detail on what the tiers are for rate increases on qualifications. Within a couple hours, I received a call back stating the interest rate is solely dependent on credit ( not debt-to-income or other factors ) and only a score of exactly XXXX would qualify for the advertised 3.27 % fixed rate. He proceeded to tell me they have plenty of borrowers that qualify for the advertised low APR. So I did some research. Approximately 1.6 % of Americans have a perfect XXXX score of XXXX. Approximately 8 % of outstanding student loan debt is from private lenders. Of that 8 %, only 11 % is graduate loans. ( Keep in mind, we are talking about the XXXX loan specific rate, not XXXX ). Ascent is not the biggest private student loan lender. If you do the math, they are advertising a rate that *most likely* no applicant qualifies for. Only 1.6 % of the entire population has a perfect XXXX score. Of that 1.6 %, how many are applying for a graduate student loan through Ascent? I understand that I do not have an XXXX score, but I and my cosigner do have excellent scores of XXXX and XXXX. Those credit scores should not constitute an almost-triple APR of that advertised. They are actually offering me a rate closer to the highest APR offer than the lowest. The advertisement is clearly misleading and does not contain any disclaimer that " credit-worthy '' means an XXXX ( literally perfect ) credit score only and without it, your rate will be astronomically higher, even if you are credit-worthy and considered to have excellent credit.