davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: AXOS FINANCIAL, INC. (SC)

On or about XX/XX/XXXX, I deposited a check for {$3000.00} via the Axos app into my consumer checking account. The initial deposit process went smoothly and the deposit was shown as " pending ''. On or about XX/XX/XXXX, the " pending '' amount, ( and all records of my transactions since I opened the account ), disappeared from the app, though I could still log in and read new messages at that time. I called customer care, and they told me that my account had been closed in XXXX due to inactivity and that since there was no account for the money to be deposited into that within a certain number of days, the writer of the check would simply see the money go back into her account. At that time, the money hadn't been drafted from the writers account. She called her XXXX XXXX, and they told her the same. 

On or about XX/XX/XXXX, the writer of the check informed me that the money had left her account and forwarded a copy of the check she had received from her credit union. This document showed that the money had been deposited with an institution called " Bofi bank, which is a former name of Axos. 

I have contacted Axos customer care many times and explained the situation, and have been told on at least twice that a cashiers check is in the mail. ( Once during a conversation on XX/XX/XXXX that a check should be mailed the same day, and again on XX/XX/XXXX that a check had been mailed on XX/XX/XXXX. ) The last check was due to arrive yesterday, XX/XX/XXXX, but it did not. 

At some point, I became unable to access the Axos app at all. I have contacted Axos ' customer care line multiple times to get updates and requested access to the app so that I can receive communications from them. Axos has continued to refuse to give out information to me directly by phone or email, even though those have not changed since I opened the account, but they won't give me access to the app so that I can receive messages either. 

I have no way to access my customer records with Axos now, but I do not have any record of being notified of the account being closed or suspended until I spoke to someone in XXXX. 

Today XX/XX/XXXX, I was on the phone with Axos customer care for 30 minutes and was told categorically that I couldn't be given access the app/messages, that they couldn't give me a direct contact within the company, couldn't do anything except forward the content of the call on to an internal dept that they weren't allowed to name. I asked repeatedly to speak to a manager or someone who had the ability to help. The customer service representative told me he was sorry that other people weren't doing their jobs, but that he couldn't tell me anything I asked about. I was told that someone would contact me but I have been told that before and it hasn't happened. I confirmed today that customer service calls are recorded.
Consumer complaint received 2024-05-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TN)

XXXX XXXX is a property management company. The rent and utilities are entered into a ledger by company and tenant is required to pay balance within 10 days of notice in rental website. The amounts entered on the ledger were obviously NOT amounts of usage for utilities for rending of services for one person in a two bedroom duplex. The management would not prove the usage and demanded the ledger was correct. They issued an eviction notice for non-payment of the utilities and have never been late on rent. The court ordered no eviction and I did not pay the utilities that were not accurate. I still have not received any evidence that the utility charges were accurate.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2023-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

XX/XX/ 2023 a imposter claiming to be an agent from XXXX XXXX call me and said your paperwork came across my desk and Im going to approve this forbearance plan all you need to do is to follow my instructions we get you back on track. Yes so happy to hear all the headache I was going through was finally over I send the 2 payments as instructed. 
When I was on the phone with XXXX XXXX which was his name I told him to hold on a the real agent from XXXX XXXX had called I told them to please allow me to click them in together thats when I found out XXXX XXXX was a scammer. He knew Everything about me. Im out of money which I know I will never get back but the number is in order still and they preying on innocent people.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: JPMORGAN CHASE & CO. (LA)

I have a chase sapphire credit card. I use cash app and XXXX, and do not like connecting my bank account to third party apps. I found out this month that Chase has recently decided to consider XXXX and XXXX XXXX as cash advance even though no cash is involved. 

On a {$1.00} cash app I sent I got a credit card process fee named by XXXX XXXX, then there was a hidden {$10.00} fee from chase Sapphire, and a 29.9 % interest fee that is not mentioned online, but only shown in the end of month statement. 

I made several cash app purchases with no notification from the bank that there was a fee. I was then told that the only way to pay off the 29.9 % interest was to zero my credit card balance ( not merely zero the statement balance ). 

I was told by chase sapphire that I would have to file a complaint by fax or mail which is a further hindrance to non exploitation. 

The only reason I knew it was a cash advance was because I called Chase Sapphire and asked. 

I then went to chase Bank where the tellers told me they think cash app and XXXX were not a cash advance and then I was told by the bank manager, " XXXX XXXX is not a cash advance ''. When I showed her the feed she told me I didn't know how credit cards work and it was my fault. I asked them to show me in the paperwork I signed where it specified that peer to peer payment services are cash advance and they could not. 


Online XXXX returned no results that XXXX  is a cash advance on chase Sapphire or cashapp website, but XXXX and one ny times article said that some credit cards may consider it as such.
Consumer complaint received 2024-05-31
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: JPMORGAN CHASE & CO. (NY)

Ive tried to report fraud on the account and they are telling me because they alerted me and the charges were made in person they cant refund. I never made those purchases because the card was lost and the alerts were never set up on my phone. {$440.00} is the amount
Consumer complaint received 2024-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

I have tried paying my XXXX XXXX  off twice now, and both times my loan servicer Aidvantage has reversed my payments. The first time I attempted to pay off my XXXX XXXX  in full with a one time payment of {$5000.00}. I received an email saying that the payment was posted, only to be told days later that the payment had been reversed. The email I received was vague, only saying that that I had a " New document ready to view '' without informing me about the intent, and the only reason given for the reversal was an invalid account number. I checked my bank savings account information though, and it is still accurate given my account number and routing number. I tried again this week to pay off {$25.00} as a test, and again it said the payment was posted, only for it to be reversed days later. This is ridiculous. I have tried paying my loans off in good faith and each time my loan servicer has reversed my payments while allowing interest to accrue and making my total balance larger. Please fix this so I can pay my loans off.
Consumer complaint received 2024-05-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: FORD MOTOR CREDIT CO. (NH)

We bought a XXXX used car, only because it was only used as a loaner for XXXX yr. It was sold to us as new. The dealership took a while to get us financing, even though our credit score is XXXX The problem was we were upside down on our other vehicle because we traded to fast. In the meantime, my husband said just give us back our other car, but the dealership refused. We hadn't signed any papers. Then a few weeks later we discovered squeaky brakes, which we believe were not dis- closed to us. we purchased the vehicle in XXXX XXXX, and have returned to the dealer- ship five times for service. We got 5 different answers each time. They did say it wasn't a safety issue, but the brakes will wear out faster. About a month ago we actually had an appointment. After we got there the service desk had cancelled it, and said " we can't get the part ". What? You should have the part ready for a legi- timate appointment. We went to the service dept. at least 5 times from XXXX XXXX. 
They are giving us the runaround. We dealt with XXXX XXXX, XXXX XXXX.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this it not mine inreporte to the police ..please removed from my credit report
Consumer complaint received 2024-08-15
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. (NY)

I am filing this complaint due to inaccurate late payment records for account XXXX  ( XXXX  ) on my credit report, despite my consistent fulfillment of obligations. My multiple disputes have only led to the account being 'validated ' without any certified proof of default. This situation clearly violates several laws : the company has failed to conduct a reasonable investigation into disputed information, as required by 15 USC 1681i ( 5 ) ; the misleading and inaccurate data breaches the FCRAs requirement for fair and accurate reporting under 15 USC 1681 ( a ) ; the company has furnished information to a credit reporting agency without my written consent, violating 15 USC 1681s-2 ( a ) ( 2 ) ; and the creditor has treated payments as late without ensuring that each periodic statement is mailed or delivered within the 14-day timeframe mandated by 15 USC 1666b. I demand immediate correction of these inaccuracies and strict compliance with the legal requirements.
Consumer complaint received 2024-08-21
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. (OH)

on XX/XX/XXXX I mailed a letter to transunion and XXXX regarding the inaccuracies on my credit report but they haven't updated my report
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MD)

I have no knowledge of this account. I never opened a credit card account. I have no credit cards to this day. I have filed Identify theft Reference # XXXX I also called the company today and they said it looks like my dispute was denied because their isnt evidence all i have is that its not mine. I dont even know the full account number only what i see on my XXXX credit report.
Consumer complaint received 2023-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (CA)

I was first called by Anfi in regards to owing some sort of debt due to a car accident. The total stating to be {$1500.00} USD. Not only did the man not listen to me over the phone when I was trying to communicate with them but he told me that he would report me and take legal actions. He also told me that only my insurance company could dispute a debt. Which I know is not true. This happened around XXXX of XXXX. I decided to no longer communicate over the phone and send everything through certified mail. I requested proof of the debt along with proof of other information, which I will be attaching below. This letter was sent XX/XX/XXXX. Once I actually did receive a response the only thing that was attached was an estimate. Not even any kind of receipt or proof that I specifically owe that debt. On this packet was a new amount apparently that I owed. This new total was listed at {$3000.00} USD. Why they would tell me I owe almost double what they originally claimed I owed and then not even show any proof of where this is coming from was a total shock to me. I then sent another verification of debt letter in the attempts to identify where this was coming from and why I owe them any money. Not only did they not send any information again, the only piece of mail I received from them was supposedly a discounted offer which they listed at {$1500.00} USD. Not even a settlement of any kind just some sort of discounted offer. This was sent from them on XX/XX/XXXX. I do not owe this amount and they refuse to provide anything Ive asked for.
Consumer complaint received 2023-06-01
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. (AL)

The credit Bureaus are still reporting inaccurate information on my report and are not doing a proper investigation concerning my disputes. I sent a letter certified mail to the credit bureaus asking them to check everything reporting on my report was reporting 100 % correct. If the information is inaccurate, incomplete or can not be verified it must be deleted. 

In accordance with the Fair Credit Reporting act. The list of account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2024-05-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (HI)

In XXXX of XXXX my lease foXXXX XXXX XXXX was terminated because I was issued XXXX XXXX military orders. Per the XXXX XXXX civil relief act I can not be charged a early termination fee. I left the apartment for XXXX XXXX and was never issued a statement of charges or my security deposit. I had tried to correspond with the creditor and they would not return my phone calls or emails. Three years pass while i am still on XXXX XXXX orders and am out of the state and my credit report alerts me i have XXXX dollars in collection from XXXX XXXX the same day I send certified mail to the collection agency a request for a statement of charges and debt validation request they have never responded and say they sent it electronically I did not receive this and have no emails from the collection agency.
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter on XXXX XXXX to TransUnion Here is my Certified mail Tracking Number : # XXXX However the Credit Bureau said they Completed the Investigation and everything was 100 % accurate. I have a update credit report with inaccuracies still. 

According to the law 15 U.S. Code 1681a -Definition The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general, reputation, personal characteristics, or mode of living obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers 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. I would like to know who did they talk to.And how did they complete this investigation. 

I am aware of all rights that I have, and which are protected by The Congress under The Fair Credit Reporting Act ( FCRA ). 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Accounts Name and Number : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX
Consumer complaint received 2023-05-04
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-05-29
Product: Mortgage — Other type of mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RoundPoint Mortgage Servicing LLC (NY)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been.

Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2024-06-16
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (MS)

Debit consolidation program tried to speak with them to pay the bill and they refused. Now they are calling me outside of regular business hours at inconvenient times to collect on payment from me.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX : Capital One ( my customer # XXXX ) approved me for a capital one platinum card with a deposit of {$200.00} dollars do by XX/XX/year>. That is not consumer credit that has m entitled to by customer law.. I'm being denied access to a higher credit limit and asked to pay {$200.00} dollars for a small amount of credit issued by Capital One that has nothing to do with the consumer transaction. XXXX XXXX XXXX & XXXX SAYS I CANT HE DENIED CREDIT DUE TO XXXX XXXX, CREDIT HISTORY OR INCOME. Capital one definitely looked at my credit score.. XXXX XXXX XXXX XXXX False and Misleading Denial of my own credit. The entire consumer transaction was predicted on the consumer credit unlimited credit.I would like a listing of all of the factors that were involved in this consumer transaction it was not a credit transaction it is a consumer transaction... I would like to access a portion of my unlimited consumer credit...