davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BOK FINANCIAL CORP (TX)

I am very concerned about discrepancies on a loan that I got from BOK Financial. 
Upon recently obtaining a loan, I was informed by phone that I would receive a specific amount at a particular interest rate. However, I was taken aback when I received a different amount, and the interest rate and payback amounts were not as agreed upon. 
I was told I would get over {$21000.00} at a lower interest than what I was later given in writing. When I was funded for the loan, it was only {$20000.00} with a {$100.00} loan fee, an interest rate of 10.72 %, and a total amount to be paid of {$41000.00}. 
What I was told by phone is not what I received, which is very misleading. 
The amount financed was {$20000.00}, and the amount they want me to pay back is {$41000.00}. The interest rate I was told by phone is not the same as what they state in writing, and that is also misleading as they mention two different interest rates in the statement. Please see document attached. 
If I had known this, I would not have gotten the loan.
Consumer complaint received 2024-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (MD)

I applied to have my mortgage payments paused because I became XXXX  on XX/XX/year>. I submitted a mortgage assistance application and the company denied on XX/XX/year>. I called Shellpoint, my mortgage servicer, on XX/XX/year> when I learned of the XX/XX/year> denial and was told that I would have to be at least 60 days late before Shellpoint would reconsider my mortgage assistance application. 

I should not have to ruin my credit by being 60 or more days late before Shellpoint will pause my mortgage payments. I spent almost 10 years building up perfect credit. Although I am XXXX  and filed a claim on-time, I have not received any unemployment compensation after 5 weeks.
Consumer complaint received 2024-09-14
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. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/XXXX, I contacted An XXXX claim specialist who stated this situation doesnt qualify as a claim they said I had three days to file a complaint with them, I submitted documents as requested and I still havent heard anything -I submitted a power of attorney document -a screenshot of when I closed my mothers account with XXXX because my mother was deceased. 
They continue to withdraw money from her account and shes deceased, which is a Financial crime.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

i have filed this dispute report before and i have been trying to contact transunion for over XXXX weeks now and its getting out of hand. i have another account i have to dispute but it would only let me select XXXX. i have filed a complaint to the cfpb to see where this goes. i am in the process of purchasing a home and this is the last step i need. XXXX  and XXXX where a breeze compared to transunion. i filed the same complaint today to see how long it takes them to answer. everytime i use there chatbot or try to call over the phone they leave me hanging. i once was in a coversation with the chat bot for over XXXX hours and didt get a hold of no one.
Consumer complaint received 2024-09-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: JPMORGAN CHASE & CO. (CA)

Well I got approved for a XXXX percent down owner occupied multi family home XXXX XXXX. Chase Bank underwriting team XXXX later then denied my owner occupied property and approved me for a impossible loan for XXXX percent and as a investment property. Chase bank never gave me a accurate explanation on why my XXXX percent loan was denied. I got different inaccurate information, like I did not turn in all forms, I gave chase lender everything that was required and requested, I believe this is discrimination based on my race, im well qualified for this loan that they approved already but XXXX week later took back for a unknown reason, I will like this matter investigated, thank you
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NV)

Account Number : XXXX Violations of Privacy and Opt-Out Rights [ 15 U.S. Code 6802 ] : I am asserting that Synchrony Bank/Ashley Furniture failed to conspicuously disclose , in writing or electronically, the disclosure of nonpublic personal information to nonaffiliated third parties or credit reporting agencies. Furthermore, I was denied the due process and opportunity to opt out, a violation of Section 6802 of the U.S. Code. Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. - Obligations with respect to the disclosures of personal information. 15 USC 6802b - Opt out. A financial Institution may not disclose non-public personal information to a non-affiliated 3rd party, unless Under this law, the consumer must get 3 disclosures before that information can be exchanged, and the consumer must agree to it. Breakdown the unless portion- Disclosure A - Such financial institutions clearly and conspicuously disclose it to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this data that such information may be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure B - The consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure C - The consumer is given an explanation of how the consumer can exercise that non-disclosure option of how the consumer can exercise that non-disclosure option. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Synchrony Bank/Ashley Furniture is reporting on XXXX, XXXX and XXXX.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IA)

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 2024-09-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/year>, I received an advertisement from Wells Fargo, offering {$320.00} account opening bonus to do the following : 1. Open a checking account with an opening deposit of at least {$25.00} 2. Receive direct deposits total at least {$1000.00} into the account within 90 days 3. Receive the {$320.00} bonus after meeting all required activities above. 

I met all required activities on XX/XX/XXXX and should have received the bonus then but I did not. I called the bank in mid XXXX and the rep I spoke to at the time told me that I had met all the requirements and that he does not see why I did not get the bonus. He told me to wait till the end of XXXX and call again. I called again on XXXX XX/XX/XXXX and the rep told me that the records showed I did not qualify and that I should call the customer advocacy group. I called that group an XX/XX/XXXX and they provided me a complaint number and promised to get back to me with 48 hours. It's been 72 hours and I have not heard back from them. The Complaint ID is : XXXX. This is a clear UDAAP violation. They sent me the advertisement, sent me confirmation via email that I was eligible for the bonus ( email evidence attached ) and now they are saying I do not qualify for the offer. I have also attached bank statements proving that I met all the offer requirements, including eligible direct deposits total over {$1000.00} during the qualification period. I want Wells Fargo to honor the terms of the account offer and issue my {$320.00} account opening bonus immediately.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

New Capital One 360 checking account opened in my name; received new debit card in the mail on XXXX. Contacted Capital One, they closed the account and recommended I call XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NV)

Affirm Inc - Account : XXXX Affirm Inc XXXX Account : XXXX Violations of Privacy and Opt-Out Rights [ 15 U.S. Code 6802 ] : I am asserting that Affirm failed to conspicuously disclose, in writing or electronically, the disclosure of nonpublic personal information to nonaffiliated third parties or credit reporting agencies. Furthermore, I was denied the due process and opportunity to opt out, a violation of Section 6802 of the U.S. Code. Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. - Obligations with respect to the disclosures of personal information. 15 USC 6802b - Opt out. A financial Institution may not disclose non-public personal information to a non-affiliated 3rd party, unless Under this law, the consumer must get XXXX disclosures before that information can be exchanged, and the consumer must agree to it. Breakdown the unless portion- Disclosure A - Such financial institutions clearly and conspicuously disclose it to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this data that such information may be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure B - The consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure C - The consumer is given an explanation of how the consumer can exercise that non-disclosure option of how the consumer can exercise that non-disclosure option. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Affirm is reporting on XXXX.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB CARD XXXX
Consumer complaint received 2024-09-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (TX)

A company called LVNV Funding, LLC, left court documents and some of my supposed personal information taped to a door of an old address I used to reside at.

The reason I know is the landlord from the old placed of resident called me to tell me I had a notice on the door from a collection agency that was found while going over to clean the apt for the next tenant and it had personal identifying information of mine in the documents so she shredded the forms for my identity protection but she did take a picture of the front of the notice for her records.

I have already experienced identity theft and this company is participating in the misused of my information.
Consumer complaint received 2024-09-04
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (FL)

there's been an error on my report about late payments from wells fargo credit card service company that I never gave permission to.

In accordance with the Fair Credit Reporting Act this creditor has violated my rights, under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX put an account in collections. They never reached out to me to verify. Ive had my other school loans in good status and they placed this in collections, without verifying if it belong to me. I would like to see if this account is truly mine, I tried to appeal it and they could never verify when or if theyve ever reached out to me.
Consumer complaint received 2024-08-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC (MI)

I received a vague letter from XXXX, They could not explain their bill either so I requested that they accommodate my XXXX. They refused to accommodate my XXXX and instead referred to my abilities with XXXX XXXX XXXXXXXX as XXXX  They said as a collection agency they did not need to accommodate and refused an interactive good faith process by repeatedly hanging up on me for making an equal access request. Instead of providing effective communication as I requested the blocked my phone numbers and are refusing to send me anything by mail or provide any info via phone. Instead they hang up on me each time I request equal access.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Back on XX/XX/XXXX and XX/XX/XXXX, I received an answer of Deletion from all three credit bureaus for a XXXX XXXX XXXXXXXX Credit card that was fraudulently opened by my ex-wife that I had disputed earlier this year through the CFPB. 5 months later, XXXX XXXX XXXXXXXX has reached out Experian and XXXX XXXX requesting to have the item re-instated on my credit report after they have all been deleted. I even sent copies of a police report showing where my ex-wife fraudulently opened accounts in my name and used and messed up my credit after the divorce. This item needs to be deleted asap in all three reports again.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (PA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: California Accounts Service (CA)

XX/XX/XXXX, I sent a dispute to XXXX regarding account CALIFORNIA ACCTS SVC # XXXX inaccurate credit reporting. CALIFORNIA ACCTS SVC is in violation of the violation for an " aged account '' typically falls under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c.CALIFORNIA ACCTS SVC reporting in the comment section ( report # XXXX ) " Estimated month and year that this item will be removed : XX/XX/XXXX ''. However, CALIFORNIA ACCTS SVC also reports that the Last Payment Made XX/XX/XXXX. This aged information is reporting inaccurately. The actual time for the account to be removed from the credit report would be XX/XX/XXXX ( 7-year period for these types of accounts to remain on a consumer 's credit report. 

" Time Limit on Reporting Adverse Information : Most negative information, such as collections, charge-offs, and late payments, can only be reported on a consumers credit report for seven years from the date of the first delinquency that led to the negative action. After this period, the information should no longer appear on the credit report. '' I am requesting that this account be deleted from the credit report due to the account reporting inaccurate information and aging the account, which is a violation and an updated credit report be sent to me reflecting the deletion
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MN)

I paid off my card in full on the XXXX due date. 

On the XXXX due date, there was a trailing interest balance of {$44.00}, due XXXX. I paid it on XXXX. This would have resulted in a balance of XXXX -- there is no trailing interest charge on the trailing interest. 

I was then charged -- without it being entered on a statement -- a {$0.00} charge for trailing interest on the trailing interest. When I contacted the creditor, they said the only way they would waive it would be as as a one-time courtesy credit basis. I will not use up my one-time courtesy credit on something that is not allowable or legal. 

I demand that the {$040.00} of interest on the final interest be waived and that it not be a courtesy credit.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On or around XX/XX/year> I made a hotel reservation with The XXXX hotel in the amount of {$2100.00}. Shortly after I made this reservation I was placed on active orders by my XXXX XXXX XXXX unit and would not be able to make my trip to the Hardrock because I would be activated and out of state during that time. 

On the XXXX website it specifically states no refunds will be given ; however, since I was activated for military purposes and my reason for missing the reservation was beyond my control I contacted the bank I use USAA. 

I made a dispute for the credit card transaction and provided the necessary documentation showing I was called for military service. USAA temporarily gave me credit for the dispute, but two months later on XX/XX/year> I noticed the charge for the XXXX was added back to the total amount due on my credit card. 

I contacted USAA and spoke to a customer service representative and she stated the person handling the dispute missed the my supporting documentation submitted so the USAA representative made a note to reopen my original dispute and resubmitted my supporting documentation. I was told I would receive confirmation of the dispute and I was not liable for charge due to military mobilization. I never received confirmation from my call to USAA. 

On XX/XX/year> I again contacted USAA about this dispute and was told by representative I spoke with that although the person handling my dispute had the documents showing my military activation, XXXX XXXX has their no refunds policy on their website, & USAA having everything they needed to take this charge off my credit card the person handling my dispute wanted something from Hardrock in writing about their refund policy. At this point I asked for the supervisor of the person handling my dispute to call me directly. The USAA representative made notes about the call and said the supervisor would be contacting me by XX/XX/year>.