davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (FL)

Consumer reporting agencies in violation of my privacy and unlawfully using my consumer transactions against me. Federal law prohibits the sharing of my private transactions, unless permitted through writing, by me, the consumer, which I have NEVER given either of them permission to even create a consumer report pertaining to me. Pursuant to 15 USC 1692b & 15 USC 1692c ( b-c ), all activities being reported are illegal. If reporting continues, I will exercise my right pursuant to 15 USC 1681 ( N ). 
I am being restricted of trading and contracting due to the unlawful reporting and sharing of my personal consumer information. Restrictions to my securities and my inalienable birthright, as a fully capable adult who has full capacity to contract, has been extremely damaging to my mental, physical and spiritual health.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Upstart Holdings, Inc. (NY)

The company failed to provide validation of debt as requested. In addition the status is shown as charged off. I have not received a 1099C which is required by law.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/XXXX, I booked a Scottish Outlanders Tour w/Cosmos tours thru Chase Travel using my Chase Visa credit card. At the time I booked the trip I was not advised by anyone at CHASE PRIOR TO PAYING ALL TRIP FEES, that I could not travel to XXXX if my passport expired within 6 months. At the time I booked the trip, I wasn't concerned about my passport, because it was valid through XX/XX/XXXX. The travel dates were XXXX. I spoke with multiple people about this trip asking dozens of questions and not a single person advised me to ensure my passport didn't expire w/in the next XXXX  months. On XX/XX/XXXX I received my trip confirmation and the only thing it asked about the passport was the passport number. No where did it mention that the passport had to have an expiration date at least XXXX months out. When I tried to update my passport number on the XXXX website, it wouldn't save. Only at that time did I learn that I would have to renew my passport and that was XXXX weeks prior to travel I immediately filed an expedited passport renewal application. Unfortunately, there was an issue with the XXXX govt receiving my old passport ( lost in the mail ) and the expedited process was halted. A few days before the trip, I learned that I would have to file for a lost passport and I could not go on the trip and would have to cancel. 

I 100 % would NOT have booked this trip prior to having a properly updated passport. 

Here is where I have an issue with Chase - At the time of booking, I specifically asked Chase Travel if I needed to buy international trip insurance and I was told NO by the Chase travel agent. I think his name was XXXX. He told me that ANY TRIP CANCELLATION WOULD BE FULLY COVERED because I was using my CHASE VISA to pay for the trip! He told me I did not have to worry and that I would get a refund if I cancelled the trip. 

The full trip price, including my airline ticket was {$2900.00}. All of this was booked through CHASE TRAVEL in the form of XXXX airline points ( worth {$1400.00} ) plus {$1400.00} on my Chase XXXX card. 

After I cancelled the trip, Chase made me file an XXXX to get the money back. They have now DENIED to reimburse me stating that my claim was unrecoverable because they don't reimburse for trips cancelled due to passport issues ( trip documentation. ). This is exactly the OPPOSITE of what I was told directly by Chase. It makes it feel like this was bait and switch advertising. Chase stole all my credit card points. Is keeping the refund on the trip. XXXX got paid. And yet I am out my only vacation of the year and am STILL waiting for my passport. 

I demand the CFPB to investigate Chase for lying to their customers and I insist upon a full refund of the {$2900.00} lost due to Chase 's lies and ineptitude. They purposely mislead their customer and profited off their own lies.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I was the victim of a scam involving the change of my name on a flight ticket. 
When buying the ticket I typed the wrong name and when I tried calling XXXX to fix it, around XXXX, XXXX took me to a scammers phone number that charged me XXXX USD to fix my name when actually that service is done for free.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Legal Action Bureau Inc (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (WA)

The annual fee of {$99.00} for next year posted on XX/XX/XXXX, requested to cancel the account and refund the annual fee via phone on XX/XX/XXXX. FNBO refused to refund the annual fee says there was a new purchase after that. They can not revert the charge of annual fee no matter if I keep or close the account. They refused to refund the annual fee for the same reason in XXXX as well.
Consumer complaint received 2024-10-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GFS, Inc. (FL)

This company is being used as retaliation for XXXX XXXX XXXX we turn them into the federal government for renting to XXXX XXXX and XXXX XXXX. Have court papers and text messages proving this, XXXX XXXX and the XXXX XXXX XXXX XXXX is ow involved
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (FL)

I took a XXXX XXXX balance transfer offer with XXXX XXXX XXXX XXXX XXXX XXXX ) and made my minimum payments until the XXXX XXXX rate ended on XXXX XXXX statement period. On XX/XX/year> I paid both the minimum amount plus the extra amount of the tranche that expired in full. This tranche started accruing interest on XX/XX/year> at a rate of XXXX XXXX. My problem is they applied the " extra '' amount another balance transfer I had but has not expired at a XXXX XXXX XXXX. Based on the discussion I had with the agent of the credit card company, there is no way for me to pay the expired balance transfer tranche off before I receive the next monthly cycle bill and thus am forced to be hit with XXXX month of XXXX % interest rate and have no option to avoid it. The agent claimed this is how the government tells them to process these payments, but I have had a different process done with other credit cards. If what this agent claims is accurate, how is this " law '' for the benefit of a consumer who pays his bill off early or timely? It is a penalty and now I am forced to find another {$3800.00} to pay off this rate that I do not have right now and am forced to pay XXXX XXXX higher than I shoud l have to. Is this the intent of the law? Please advise.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upstart Holdings, Inc. (CA)

I believe the account is invalid. UPSTART needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. UPSTART NETWORK INCXXXX XXXX
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am a victim of identity theft.. someone has a credit card in my name... Someone received an auto loan under my name .. they tried to open a bank account.. I have a XXXX XXXX in New Jersey and I have never been there
Consumer complaint received 2024-09-26
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: DISCOVER BANK (CA)

I was in debt with Discover years ago in the amount of {$1700.00}. the credit bureau shows amount of {$1900.00} that Discover them self is not familiar with, but still keeps it on my report we had made a settlement with about remaining balance of being XXXX over a year ago and have a letter proving that. This had been disputed in a year span and no change in my credit score and Discover has no information of the balance it being {$1900.00} But still keeps it on my report the account that is being disputed about {$1900.00} doesnt have any last four digits of the account number which should be XXXX.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (ID)

On XX/XX/2023 I made a deposit into my business checking account from my main client/employer ; XXXX XXXX XXXX in the amount of {$17000.00}. I received a receipt from the teller stating the full funds would be released and available on XX/XX/2023. On XX/XX/2023 I learned the bank lengthened the hold on funds an additional 8 days ( XX/XX/2023 ). I made payment arrangements for XX/XX/XXXX based on the receipt the bank provided me. 
I called the hold dept of chase bank and they informed me they could verify the check had cleared the makers account and release funds. The representative called US Bank ( XXXX bank ) and US Bank does not provide verification due to their privacy policy.

The rep offered to me a solution to have the maker call US Bank and get a register number.. again US Bank does not comply. 
I walk into chase bank branch where Im told the branch manager has quit and no manager is on duty. The teller made a request for hold release based on me showing evidence the item had cleared US Bank ( copy of the cashed item ). This was declined. The rep on the phone then told me there are various reasons for the continued hold and the funds will not be released. This has cost me significantly.
Consumer complaint received 2024-09-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (VA)

I am filing this complaint against my mortgage company for failing to comply with the provisions outlined in Section 6 of the Real Estate Settlement Procedures Act ( RESPA ), specifically in its implementation of 12 CFR 1024.41. This regulation mandates that mortgage servicers provide clear and complete information regarding all available options to borrowers seeking forbearance or other loss mitigation solutions. 

Despite my efforts to work with the mortgage company, they did not fully explain my forbearance options, nor did they properly follow the loss mitigation process. The company misled me in their application of loss mitigation practices, failing to apply the required waterfall method that should have been used to determine the best loss mitigation options based on my financial situation. 

Due to the mortgage company 's failure to clearly explain these options and their neglect in applying the appropriate loss mitigation methods, I was forced to liquidate over {$47000.00} from my retirement funds in order to bring my account current and avoid foreclosure. This was a significant financial hardship that could have been avoided if the mortgage company had adhered to the requirements of 12 CFR 1024.41 and properly informed me of my options.

I believe the mortgage company took advantage of my situation by not providing adequate guidance or information, which has resulted in significant financial loss. I am seeking redress for the financial damages caused by their failure to comply with the law and to properly implement the forbearance and loss mitigation processes.
Consumer complaint received 2023-02-18
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. (FL)

I am submitting this Complaint regarding the fraudulent items I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I need you to remove from my XXXX File : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} Opened Sep. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX. With you not sending me any documents to support your claims that the disputed items belong to me, I have been expecting immediate deletion of the disputed items off of my Credit File.
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

XXXX XXXXComenity bank credit card bill has been paid in full, but a late fee has been applied to my account and a second fee was applied with interest because the late fee was not paid. So now the balance reflexes two late fee and interest. I don't understand when the balance has been paid in full. Why they would charge a late and a second late fee and interest for an account that has been paid in full. When I try to talk to someone, they hang up on me or say they can't verify my account. On XXXXXXXX  I spoke to XXXX ID XXXX. She did not give me any help and the hung up. I have always had auto pay for this account. This company has removed it. The also has placed this on my credit report for late for XXXX dollars a late fee.
Consumer complaint received 2024-10-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: NVR INC. (NC)

On XX/XX/year>, NVR Mortgage hard inquired my credit so that I could " rate lock '' an interest rate with them for a home loan. I agreed to the rate of 5.375 %. The " rate lock '' was valid for 6 months. The home was supposed to be closed on in XX/XX/year>. For these reasons, we chose NVR Mortgage as our mortgage provider. 

Around XX/XX/year>, we started to finalize the closure process of the home. NVR Mortgage hard inquired my credit AGAIN, and the score came back lower due to the previous hard inquiry they ran in XXXX. They advised that because my score had come back lower, my rate would now go up unless I paid {$1200.00} to bring it back down to the original 5.375 %. 

I have two friends who also bought their homes in the same neighborhood through NVR Mortgage and they had the same thing happen to them. NVR is stealing from their customers by purposefully hard inquiring their credit twice, causing consumers to have to pay a higher quoted amount since the second hard inquiry will always have a lower credit score due to the previously hard inquiry ran by them several months prior. I have all of this documented in email, including the exact credit scores and reasons for the credit drop. It is clear from the credit reports that the main reason for the lower score is due to the previous hard inquiry. 

It is also deceptive to call a rate " locked '' when it can go up, and almost always does from what I have seen. The only reason we chose to go with NVR for our loan was because of the rate lock they offered. By the time we became aware that the rate would actually be higher due to the drop in credit score caused by their own hard inquiry

several mon ths ago, it was too late to try and go through another lender. The main points of contact at NVR w
ere : XXXX XXXX XXXX - LoanOfficer XXXX XXXX XXXX - Loan Processor
Consumer complaint received 2024-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (IL)

I went to art XXXX. XXXX that was sold to XXXX XXXX. I went there for XXXX semester the school was making promises to me and I was not receiving the help that I needed. I dropped out realizing that the school was promising I could make almost XXXX if I graduated. I told them I was dropping out and they falsely took out loans that I didnt take out. I had no idea the school closed and Sold to another for XXXX school XXXX XXXX. Then XXXX XXXX closed. I have been trying for years to get these loans off I have paid all of the legit loans that I have ever taken out. These fall loans have completely ruined my credit and destroyed my life! Please help me!
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc. (AR)

To Self Financial : ( This is the 3rd Letter Sent To Your Company ), prior 2 certified letters. XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX RE : Cease and Desist Request and Deletion Of Collection Account From My Credit Reports, XXXX, XXXX, XXXX and XXXX. This letter is to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), and request that you immediately cease all communication with me regarding the alleged debt associated with account number XXXX. As part of this cease and desist request, I demand that you stop all forms of communication, including but not limited to, phones calls, letters, emails, or any other means of conduct. /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Furthermore, please be advised that reporting this collection account to any credit reporting agency constitutes an ongoing form of communication. By continuing to report this account on my credit reports listed above, you are violating my cease and desist request. I demand that you immediately remove this collection account from all credit reporting agencies listed above. ////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Failure to comply with this cease and desist request, including removing the collection account from my credit report, will be treated as a violation of the FDCPA and may result in further legal action.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Self Financial Inc. (AR)

I am writing to request the method of verification used in connection with the investigation of the dispute I submitted regarding the accuracy of the information on my credit report, as allowed under 15 USC 1681s-2 ( e ).

Pursuant to 15USC 1681s-2 ( e ) ( 7 ), I request that you provide me with a description of the procedures used to verify the accuracy of the disputed information, including the names and address of any third parties involved in this verification process.

I DO NOT WANT ANOTHER BILL OR COMPUTER GENERATED STATEMENT.

I expect your response to this request within 15 days of receiving this letter, as stipulated in the 15 USC 1681s-2 ( e ) ( 8 ). Your timely and detailed response will help me better understand the steps taken to verify this disputed information.

Failure to respond satisfactorily within 15 days of receipt of the letter may result in a small claims action against your company ; seeking {$1000.00} per non-compliance violation, per 15 USC 1681n, civil liability for willful non-compliance.

I reserve the right to pursue legal action under 15 USC 1681n to seek actual damages, statutory damages, and punitive damages, along with attorney fees and cost if necessary.