davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-27
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. (PR)

On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX to be guided on a personal loan I wanted to request and XXXX XXXX let me know the documents I had to provide. On Monday, XX/XX/2018 I sent the application online and then I sent the other documents by email as required by the instructions. The same day, XXXX XXXX XXXX XXXX XXXX called me to let me know that he was going to send me the application by email because the system had not registered it when I filled it out online. Immediately I proceeded to fill it out and sent it to XXXX XXXX 's email so he could process it. Today, XX/XX/XXXX, XXXX XXXX called me to inform me that he needed my husband 's information so he could process the request. I informed him that the loan was going to be requested only by me since my husband has the credit very affected and I did not want that to affect the low interest rate that they could offer me if I did it by myself. I mentioned that I had previously obtained loans without including my husband, but XXXX XXXX replied that including the spouse was a rule of the bank. I told him that I didnt know that it was mandatory to request with the husband since it wasnt explained in the web page instructions, not in the application and not when I called to get the orientation. I told him that if I had seen that rule before I would not have applied for the loan because I wanted to do it by myself. I asked him if he had obtained my credit report and he said yes, that he had it with him and that the score had gone very well. I understand that XXXX XXXX had to wait until he had the main documents and then proceed to request my credit report because in the application I let him know that my marital status is Married. This action resulted in my credit score having been lowered because I didnt accept that my husband entered the loan without having knowledge that it was a requirement of the bank. It is fair that this inquiry be removed from my credit history because I have no knowledge of this bank rule of having to include the spouse in the personal loan.
Consumer complaint received 2024-06-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I received two AMEX gift cards as honoraria ( receipt XXXX XXXX, 2024 ( {$350.00} ) ; XX/XX/year>2024 ( {$200.00} ) ). I have not been able to use them anywhere. Every time I buy something online, I try to use these gift cards before using my personal credit cards and it never works. I tried to add money to my XXXX, XXXX, XXXX accounts using them but they are declined everywhere. I honestly find I can't use these cards anywhere. These virtual cards are declined online everywhere ( from small merchants to XXXX to XXXX XXXX to XXXX to trying to buy grocery store gift cards ). When I called and complained about this, I was told to print out the cards and take them to brick and mortar stores to use them, but no brick and mortar store or restaurant will accept a card they can't swipe. I asked customer service for physical cards to replace the virtual cards and was told that they could not be offered. they instructed me to add to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX the cards are declined at these services. 

No one will take these cards. I have called AMEX customer service and they can not offer me any resolution. They insist that the cards are valid anywhere that accepts AMEX but can not give me examples of locations where I can use them. They say that they can not transfer my balances for my two unusable virtual cards to a physical card. They say that they can not apply the cards as payments to my AMEX credit card. They say they can not offer me a cash or check refund. This system seems designed to skim dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. This is simply not the case. I can not reach a resolution with AMEX customer service. I have been unable to use their cards all year. My money is inaccessible. All I want is the total balance on my cards in cash/check/a usable format.
Consumer complaint received 2018-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

It seems that they obtained my personal information and they are making inquiries in my credit and they opened a credit card account that is not mine of bank of america I put a blockade of the credit but it stops that it did not work.
Consumer complaint received 2024-06-25
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. (NY)

I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account [ account number XXXX ] that was in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

l 'm now requesting you Investigable and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

When checking my credit report I have noticed that XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and XXXX has not validated this debt , i requested signed documents bearing my wet ink signature, after repeated request for over 5 months XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX or the company that they are collecting for. 
I disputed this debt with Equifax on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and Equifax has failed to validate this Debt and continues to knowingly violated FCRA. Equifax gives me know options on their website to re dispute this debt as not mine.
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (TN)

Ally Financial XXXX. I've requested all documents needed to finance the lease buyout through a separate bank. They have outright refused for a month now and my lease is up and they are charging daily fees now. They have intentionally sent the wrong documents or dated incorrectly. They are refusing to send the bank I chose simple things like a lien release guaranteeing that they'll send the title and how long it'll take for that bank to receive it. The Lease buyout letter is always dated for XX/XX/XXXX even to this day. I have called somewhere around XXXX times. They refuse to escalate my situation to managers. They'll even tell me that someone will call me in 2 days and that never happens. I already have an approved loan and can't secure it because they want to be protected and without Ally providing documentation committing to providing this other bank the Title they don't want to finalize the loan. HOWEVER, Ally Financial is TOTALLY willing to provide me a loan direct through themselves with XXXX effort for their horrendous interest rates. There's TONS of other people suffering from Ally Financial 's exploitive behavior. You can search online and see tons of other people describing the same issues. Even other banks know that they do this.
Consumer complaint received 2024-06-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

I applied for a care credit card in XXXX. 

The application asked a question if I wanted to opt-in for a debt protection plan. 

I did not opt in for this service. 

They were charging my account for the last 6 months for a total of {$350.00} When I call to get this disputed, they tell me that I can not. Instead they gave me a different phone number to call to cancel. 

Im still in the process of trying to get this money back.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/year>, my debit card was charged twice by XXXX in XXXX, NM for the amount of {$27.00} and {$19.00}. 

On XX/XX/year>, my debit card was charged by XXXX XXXX in XXXX, NM for the amount {$18.00} On XX/XX/year> - {$50.00}, XX/XX/year> - {$55.00} and XX/XX/year> - {$150.00}, my debit card was charged by XXXX XXXX XXXX out of XXXX, NM. A Total of {$320.00} was charged to my account. XXXX XXXX XXXX has a phone number attached and it is XXXX. My daughter called and searched the business and didn't find anything. 

I went to my bank and disclosed the charges to my account. A claim was filed. I received a letter from Wells Fargo regarding the resolution of my claims. My claims was denied and I am not going to get reimburse of {$320.00}.
Consumer complaint received 2024-06-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I contacted CFPB XXXX. The lender responded that they received notification of complaint on XX/XX/XXXX. On XX/XX/XXXX I submitted a School Misconduct Discharge Application for " private loans ''. On XX/XX/XXXX Navient responded with 2 separate letters : " IRIS, federal loans you owe have been discharged. '' Account number : XXXX - XXXX and XXXX - XXXX I contacted them regarding School Misconduct Discharge and only received information about federal loans being discharged, information that I had previsouly received.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I noticed Fraud on my checking account for {$120.00} & {$60.00}. 
I immediately notified my bank. It was in the process of being investigated from the fraud department, when the following week I was in-between flights at the airport and turned on my phone and saw XXXX missed calls from the same number. after that it was ringing again so I answered it. An unknown male stated he worked for the fraud dept. at Citibank. Due to the fraud that which occurred earlier, and was currently under investigation, I was not suspicious. Over the course of the phone call I proceeded to provide the last XXXX digits of my social, & birthdate which Citibank asks for. 
The man then tricked me into making XXXX XXXX transactions for {$5000.00}. each Saying that the transition would not go through that they just needed a reference number so that this XXXX XXXX & and XXXX XXXX who were trying to hack my account would not get my money. 
He told me to log into my account where I saw he was telling me there was {$15000.00}. in my checking account which there was that shouldn't be. In order to put it back he was instructing me what to do, I was on a flight for a XXXX XXXX XXXX XXXX  running to change planes & not in my right mind. The following day I received another call from the same number XXXX XXXX. He tried to get me to wire {$15000.00}. I caught on and called the bank. When I got home a XXXX came to my door to investigate and I filed a police report. Citibank XXXX XXXX my account back for the XXXX prior transactions but refuse to credit me back the {$10000.00}. stating it was my fault!! I have been an outstanding citigold customer for over 40 years. They did not alert me when any of these transfer were taking place to verify! a XXXX XXXX  come to my house from XXXX XXXX XXXX XXXX to investigate and I told her Citibank would take care of it and be fair. 
They are not being XXXX at all but blaming me for it. 

Thank You XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-05
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: EQUIFAX, INC. (GA)

I am writing to formally dispute an inaccurate charge-off and closed account on my credit report associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account has been disputed several times with no effective results. I believe that this charge-off and account closure are incorrect and request a thorough investigation into the matter for the following reasons : The information being reported on my credit report does not accurately reflect the status of my account with XXXX XXXX XXXX XXXX XXXX I have reviewed my records and found discrepancies that suggest errors in the reporting process. 

I did not receive any prior notification or adequate explanation from XXXX XXXX XXXX XXXX regarding the charge-off and account closure. According to my understanding, financial institutions are required to provide proper notification and an opportunity to rectify the situation before taking such drastic measures. This erroneous charge-off has negatively impacted my credit score and financial standing, causing undue XXXX  and financial difficulty. 

My payment history with XXXX XXXX XXXX XXXX has been consistently reliable and timely. The reported charge-off and closure do not align with my long-standing history of responsible account management. 

Enclosed are copies of my credit report, and I kindly ask for your assistance in ensuring that my credit report is corrected and reflects accurate information.
Consumer complaint received 2018-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Monterey Financial Services LLC (PR)

I have an account with XXXX XXXX XXXX and the company that collects the payments is, Monterey Financial Services. My problem is that over the period of more than a year Iv'e been making my payments through a direct deposit account with XXXX XXXX . Last year alone, Monterey Financial has charged my account {$1400.00}, plus my maintenance fee. In return, I am not able to use my services because they accuse me of being late on my payments. Iv'e done everything possible to explain to them that this is a direct payment from the bank. Iv'e provided them with copies of my bank statements indicating that my payments have always been up to date. Iv'e been in constant communication with Monterey and even though they acknowledge that something is amiss they make no effort to right the wrong. I have come to the conclusion that this has to be a case of fraud. They hardly answer my e-mails and when they do they only ask for more copies of bank statements that have nothing to do with last year 's actions or lack of. I had a submitted a complaint with your office, but was told that either I would have to seek the services of an attorney or go to Legal Services.  Thing is, I don't qualify for Legal Services and with my XXXX XXXX XXXX XXXX pension, I honestly can not afford an attorney. I would like for you to provide me with an orientation as to how I could file charges of fraud against this company.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

A friend posted on XXXX account ( on XX/XX/year> ) that she is selling their dad 's car. I reached out via the XXXX app, and she said she needed a refundable deposit to hold the car for us to see this Sunday. She wanted to hold it only if we were serious ; otherwise, she needed to sell it as soon as possible. Since this was a family friend, we didnt push and complied. She initially asked for {$1000.00}, but I was only able to provide {$500.00}. I was told to send the money to XXXX to " XXXX XXXX XXXX, '' who she said was her cousin. He said, the money is refundable if we didnt like the car. We spoke to her via phone after all this to verify and to get more details, and that's when I found out she had no idea and was not part of this. Her account was hacked, and this was a scam. Someone was pretending to be her. I have a copy of the XXXX post and screenshots of the conversation. 

I called the bank within hours of this happening to stop the payment ( since the money was listed as pending on my account ), but according to my bank, it had already been sent ( this was within the hour all this happened ). I was told to call XXXX, but there was no live person to help, and I was redirected to call the bank. I have been circling between the bank and XXXX for assistance al day, but no one can help. XXXX has said that although its a scam, I authorized the payment, so there's nothing they can do. They keep telling me to call XXXX, but XXXX has no live help or support to stop something that just happened. There is nothing in place to protect a consumer who was scammed. The bank couldn't stop the payment, and XXXX is difficult to get a hold of. I have been defrauded of {$500.00}, and many more could be at risk as well. Why are consumers not being protected? If XXXX is going to partner with XXXX, they need to have a better communication system in place with XXXX to protect customers. If XXXX is going to make it easy for scammers, why are they in business? Banks and companies like XXXX should be held accountable for allowing fraud and scams to take place and being so paralyzed to help the victim.
Consumer complaint received 2024-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company (PA)

I have an FHA loan with Freedom Mortgage ( the lender ). In XX/XX/year>, I received a {$28000.00} partial claim ( secondary loan ) from HUD. Freedom Mortgage had stated that this figure would reinstate my account through XX/XX/year>. They then confirmed in writing that the next payment was not due until XX/XX/year>, in the regular monthly amount of {$1300.00}. However, on XX/XX/year>, I instead received a monthly mortgage statement of {$1900.00} that added {$630.00} in fees with no explanation. Freedom had told me and HUD that the {$28000.00} partial claim was the right number to get me back on track for the regular monthly amount. I was prepared to make my regular payment, but I can not pay Freedoms new demand of {$1900.00} by XX/XX/year>.
Consumer complaint received 2018-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

i had a loan with Banco Popular De Puerto Rico, loan # XXXX, after the Hurricane Maria I request a moratorium of payment and the bank in a letter dated XX/XX/XXXX grant me another 3 month of moratorium, they explain that I have to pay beginning XX/XX/XXXX and if I request they can work a loan modification. 
when originate the loan my investor was XXXX XXXX, this investor provide to move as a loan sum the unpaid month. in XXXX I call BPPR for start the modification process, the first inconvenient was they told me my investor is XXXX XXXX and they only can provide me with an extention up to 40 years ( my mortgage have been paid for almost 15 years so far ) when I complaint about this BPPR tell me they wont work any modification because they sell my loan to XXXX XXXX.

I request to XXXX XXXX to confirm by letter they are the new investor of my loan. I receive from them a letter dated XX/XX/XXXX explaining they are only a servicing provider they are not an investor.

Banco popular lie to me, they refuse to work with me a modification of my loan, now they new servicer treat me to make negative revision in my credit and they billing me other fees not explained reaching the amount of 10,000. + dollars. 
I visited the servicing offices of Banco popular in XX/XX/XXXX trying to solve this and avoid my loan to be sell to select portfolio. they do nothing only send me a letter dated XX/XX/XXXX confirm my petition and a resolution will be receive the next 30 days and that never happened.
Consumer complaint received 2018-03-31
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANCO POPULAR DE PUERTO RICO (PR)

The mortgage has been in trial for debt collection, the house is not insure. 
Due to the problems problems of the developer and damage of construction, the problems with segregation, problems with septic tank, problems with inscription of the development and houses, the houses have no insurance. 

My ex-husband and I, the court and the bank went to mitigation and we qualify for a refinance or modification of the loan, but the investor from the bank said that the house DO NOT qualify for any modification. 

The bank remove the loan from the credit report due to the situation. 4 years later is back again. 
The house can not be used because of construction situation and fungus. The house ca not be sale because of legal situation and banks do not want to give loans to this development. 

This situation had damage my credit report.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 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. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!