davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
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: OLD NATIONAL BANCORP (IL)

BACKGROUND : Our mortgage had been in place for seven years. We have always maintained full property insurance, as required. Our insurer and agent has always sent the servicer proper advise of our continuous coverage. Meanwhile, the servicer has claimed repeatedly that our insurance was expired or non-existent. The most recent occurrance of this behavior is exhibited on FORM LETTER # XXXX attached dated XX/XX/24. 

After receiving letter # XXXX, we first followed up to the servicer by telephone. In that phone call, the XXXX told us verbally what insurance information they had " on file '' for us. The information they conveyed was completely erroneous ( wrong insurer name and wrong expiration date )! We became very concerned about fraud and identity theft, because it appeared the XXXX had mixed up our records with those from a different customer. Where else could the false insurer and expiration data come from? 

For this latest false claim by the Servicer ( letter # XXXX ), we sent the Servicer letter # XXXX dated XX/XX/24 attached. Considering the past and current inaccurate Servicer recordkeeping, our letter reasonably requested that the servicer provide us with a summary of past entries, changes and data sources for the insurance information they had entered on our account records. Only by seeing this infromation can we compare it to insurance information sent to the servicer by agents and insurers. Only by doing this can we get evidence of the accuracy or ineptitude of the servicer 's recordkeeping. 

Subsequently, we received the servicer 's FORM LETTER # XXXX dated XX/XX/24, indicating they now purportedly had accurate insurance information even though ( a ) they had accurate information it all along until they mixed up our records with those of other customers and ( b ) THEY DID NOT DISCLOSE WHAT INFORMATION THEY NOW HAVE so we have no way of knowing just WHAT their records show now. 

The servicing provided on this mortgage loan - as it relates to insurance monitoring- is sloppy at best. At worst, it puts customer privacy at risk because customer data is not accurately updated and maintained.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act the following creditors have 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I want these accounts to be removed as they were removed before and now are re-appearing on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (NY)

My account got deactivated on XX/XX/XXXX when I was asked to provide the source of my funds, I uploaded an invoice discussing project expenses. I didn't realize that I had to provide the contract for being able to provide services to my company, so I contacted the relevant team by email and attached my contract but it wasn't affective and I was reported on XX/XX/XXXX that's the final decision but I don't accept this decision because I don't have any activities that violates the acceptable use agreement.
Consumer complaint received 2024-08-13
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. (MI)

I recently checked credit report and saw my inquiries and Equifax has been running my credit without permission. Equifax has ran my credit more than 100 times i have all the pictures saved to my phone. Equifax has been doing this to me for years and the only way i found out is I applied for a XXXX loan and got denied. 

Only inquires i should have on my credit report is .... 
XXXX XXXX XXXX XXXX XXXX there should be no other inquiries hard or soft
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Credit card closed my account because the bank processed their payment in a particular way that they did not appreciate. I notified them that I have an obligation to perform a payment, and that is what I did. I can not be held responsible for the actions of a bank that I do not control. UCC 3-305 states that I am have a right to perform my obligation. I am living up to my agreement to perform the obligation. There is no reason to deny that to the consumer. In addition, Capital One agreed to give me a revolving line of credit yet the purchases are being recorded as credits instead of debits. I am sure this is a mistake, however, the company fails to acknowledge GAAP. In addition, the numerous times I had to contact the company to take the lock off my account after I had made it to the register to make a purchase and the card declines.
Consumer complaint received 2023-10-26
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. (NJ)

I the creditor believe that I have acted in good faith to discharged the debt with accordance TO THE LAWS that are now being presented and should not had have any damaging reports towards my credit to all three credit bureaus THESE ARE THE LAWS ACCORDANCE TO THIS MATTER : THE TRUST INDENTURE ACT OF 1939, THE SECURITIES EXCHANGE ACT OF 1934, THE EMERGENCY BANKING ACT OF 1933, UCC 3-603 3-604, 12 CFR PART CFR 1026.13 ( d ), 16 CFR 433.1 ( d ) ( f ), 31CFR 328.5,31CFR 328.6, 15 USC 1693,15 USC 41, UCC 1- 103, 1- 104, UCC 3-110 ( a ) ( b ) ( c ) ( 1 ) ( 2 ) ( i ) ( ii ) ( iii ) ( iv ) ( d ), UCC 3-105 ( a ) ( b ), PUBLIC LAW CHAPTER 48, 48 STAT. 112, PUBLIC LAW 73-10, TITLE 31, SECT 5118 AND HJR 192 JUNE 5, 1933 1933
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

I refinanced {$4300.00} of my transactions with chase to be paid over XXXX months, I had XXXX left as on XX/XX/XXXX, I paid XXXX $ on XX/XX/XXXX. On XX/XX/XXXX, I had a balance of around XXXX of which XXXX would be interest saving balance at the end of XXXX statement. 

Instead of using my payment to pay my interesting bearing balance, chase closed my refinanced pay over time plans and in my XXXX statement asking me to pay the full balance of XXXX with no line items for interest saving balance. since I had already paid the fees for converting my balance to installments this is unfair. 

I called them and on the call they said that my balance on XX/XX/XXXX was XXXX, I downloaded the raw XXXX from them and based on the XXXX my balance was XXXX. Clearly it is an error on their software.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

These accounts are unauthorized and not related to any transactions by me. XXXX XXXX ( amount {$130.00}, account XXXX, opened XXXX ) XXXX XXXX XXXX ( amount $ {$1200.00}, account XXXX, opened XXXX ) XXXX XXXX ( amount- {$610.00}, account XXXX, opened XXXX ) XXXX XXXX  XXXX ( amount - {$480.00}, account XXXX, date opened XXXX ) I have no knowledge of these accounts, I would like these deleted within 4 business days, I would like the account removed, per 15 U.S Code 1692g. Thank you
Consumer complaint received 2024-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have asked 9 times verbally over the phone and XXXX times in writing to remove all dispute wording from my credit reports. I cant get an equity loan with my home lender until this takes place. This has caused an economical hardship for me and my family.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (MD)

Spoke with Barclays XX/XX/XXXX. I'm always on time with payments and this would be considered my XXXX late payment with a new card that I applied for XX/XX/XXXX with JetBlue. My original purchase was for {$2400.00} which I was understood that the {$99.00} annual fee was included. With this knowledge I paid off the balance in full for the {$2400.00} on XXXX. Apparently, Barclays sent out a statement then on XX/XX/XXXX with the separate charge of the {$99.00} annual fee and I never received the card in the mail nor the statement. I typically pay off balances as soon as I can and was under the impression my balance was paid in full. I learned on XX/XX/XXXX when I was applying ( and denied ) for a HELOC loan with XXXX  that I had a delinquency with Barclays. Being completely unaware, as I paid off my balance on XXXX and have not since used this card, I was in shock so I contacted Barclays immediately. They are helping me to resolve this and the issue has been escalated as well a written letter sent into to resolve. They were able to take off the late fees and interest charges and I paid the annual fee amount of the {$99.00} on XX/XX/XXXX as soon as they let me know this was not in my original purchase ( that I paid off ). I would like this to not impact my credit score as I've worked hard to get it where it is and this one mishap took it down over XXXX points. I hope someone is able to help me resolve this issue.
Consumer complaint received 2024-09-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

My car was stolen. Per 15 USC 1692f, non-judicial repossession is illegal. USAA has no court order that was provided to me nor the third party they had come steal the vehicle. There was NO notification, nor did I give my consent for them to provide my personal information to a non-affiliated 3rd party, which is identity theft. This contract was rescinded for FRAUD non disclosure, and lack of consideration, and the Power of Attorney was revoked. There is no lien holder. This action was not lawful and I will be taking further legal action against ALL parties who continue to allow abusive and deceptive practices.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
This account is NOT mine
Consumer complaint received 2024-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/2024 I sent {$500.00} through PayPal for a friend for a down payment on a car that was listed on XXXX. Upon much to do we figured out that it was a scam. Someone had hacked the persons XXXX account and I sent money to the wrong person because it was a scam. I reached out to XXXX to stop the payment. I got a case number of XXXX XXXX XXXXXXXX. PayPal found that. The transaction is consistent with your PayPal history. I appeal to XXXX telling them that I had been scammed and would like my money back. They told me to contact the person that I sent it to. I tried they didnt respond. I didnt expect them to because its a scam, Can you please help me get my money back?
Consumer complaint received 2024-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

MOHELA will not allow me to access my account through their online portal. I have followed every direction and step they have sent me, and I am still unable to access my online account. It has been 4 months since they launched their new servicing portal and I still can not access it with any of the directions they have sent me. No matter how many times I follow the directions I still get the same screen stating " The information you provided does not match our records ''. My records match just fine when I call the Customer Advocacy Team but for some reason can not be matched to the online portal.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NC)

Citibank offered a promotion of {$300.00} for completing two Enhanced Direct Deposits of {$1500.00} each. I fulfilled this requirement on XX/XX/year>, expecting the bonus to be deposited into my account. However, the bonus was never credited. Last month, Citibank closed my account without any explanation and without providing the promised bonus. Trying to get an answer from them has been nearly impossible. 

Here 's the offer : Step 2 Deposit At least two ( 2 ) Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening. Your total combined Enhanced Direct Deposits must equal {$1500.00} or more. Deposits made to a savings account are not eligible.

Make at least two ( 2 ) Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening. Your total combined Enhanced Direct Deposits must equal {$1500.00} or more. Deposits made to a savings account are not eligible. 

According to them, this means you have to wait 90 days AFTER fulfilling the promotion 's requirements. 

I'm guessing they waited until the grace period for checking account fees ended, hit me with a fee, and then closed the account before the {$300.00} bonus could be deposited.
Consumer complaint received 2024-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLOBAL PAYMENTS DIRECT INC. (PA)

I called the XXXX XXXX and asked about this {$10.00} delinquency and they said that theres nothing on their end and they wouldve seen it because my account would be flagged and I wouldve gotten emails from the XXXX. so I called back the debt collection and they said that they wont see it because they paid it and it bounced back but I dont understand how a debt collection agency would pay for a VIP service? They also offered to waive the {$50.00} fee but they had me verify all of my information over the phone. My address my phone number the last XXXX digits of my Social Security number so Im afraid of whats going to happen with my information I did call back and ask if the phone number was legit and they said yes, but I said that their phone number is coming up as scam, and ever since then I havent received a phone call back, but that was only since yesterday. I also asked for an email of documentation of proof of this and they said they needed permission which I thought was weird. Im attaching the info. When I asked over the phone if I can pay online they said no but here it says I can pay on the website.
Consumer complaint received 2024-09-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: NVR INC. (FL)

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against NVR MORTGAGE for unlawfully blocking my access to {>= $1,000,000} in funds that were credited to my account after the bank processed my promissory note through its clearinghouse system. The promissory note, originally for {$190000.00}, was purchased by the bank, and I became the holder in due course of the account. 
However, despite my ownership of the account, the bank has frozen my funds without providing any legal justification or due process, in violation of consumer financial protection laws and my constitutional rights to property. 
Relevant Laws and Case Law : 1. Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : The banks conduct qualifies as an unfair and deceptive practice under the Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically under 12 U.S.C. 5531, which prohibits banks from engaging in unfair or deceptive practices that harm consumers. Denying me access to my own funds without explanation constitutes such a violation. 2. Electronic Funds Transfer Act ( EFTA ) : The denial of access to my account also violates the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ), which ensures consum
er protection when accessing their funds electronically. Blocking my access to funds in this manner is a violation of my rights under this law.

3. Truth in Savings Act ( TISA ) : The bank has further violated the Truth in Savings Act ( 12 U.S.C. 4301 ) by not adhering to its terms regarding access to funds. TISA mandates that depositors be provided clear terms for access to their accounts, which the bank has failed to honor.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with The Fair Credit Act this creditor ( XXXX  ) has violated my rights. Under 15 USC 1681 section 602 states : I have a right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692 ( g ) Debt Validation, I request : 1 ) to send me a detailed list of the history of payments made by me on this account. 2 ) I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 3 ) Im asking have there been any insurance claim filed on this debt. 4 ) I want proof they have the chain of title to collect on this debt
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies present in my credit report across the three major reporting agencies- XXXX, XXXX, and XXXX. The Fair Credit Reporting Act ( 15 USC 1681 ) explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my credit report, I have identified discrepancies concerning an account with SYNCB/AMZNSC. XXXXXXXX reports the account as being opened on XX/XX/2022, while XXXX and XXXX report different open dates- XX/XX/2022. This inconsistency is both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. 

Furthermore, XXXX and XXXX report a credit limit of {$300.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies in credit limit information across the reporting agencies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are vital in defending my claims. These provisions outline the civil liabilities for willful and negligent noncompliance with the Fair Credit Reporting Act, emphasizing the importance of accurate reporting by the credit reporting agencies. The continued reporting of inaccurate information despite my dispute suggests willful noncompliance ( 15 USC 1681n ) and/or negligent noncompliance ( 15 USC 1681o ).

Additionally, 16 CFR 313 and 16 CFR 313.7 are pertinent to my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. Reporting inaccurate information without my consent infringes upon my privacy rights, and these regulations mandate the protection and accuracy of such information. 

It is also noteworthy that while XXXX and XXXX report this account with a high credit limit of {$250.00}, XXXX inaccurately reports the credit limit as {$300.00}. This disparity in reporting further emphasizes the urgent need for correction.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I requested that my personal information be updated and reflected to what my drivers license identifies. Proper spelling of name and home address and that any other addresses or incorrect spelling of my name other than whats on my drivers license is inaccurate and must be removed.