davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: AMERICAN NEIGHBORHOOD MORTGAGE (NJ)

When I first applied for a mortgage with Annie Mac Home Mortgage, I told the broker that I did not want to pay any points. He said no problem, we offer rates with and without the payment of points. As it came closer to my settlement date and to lock in a rate he would not offer me a rate without paying points. I told him that is not what he originally told me and he said it was out of his control. Since I could not get another mortgage within XXXX weeks, I ended up paying {$1500.00} in points to Annie Mac. Annie Mac immediately sold my loan to XXXX XXXX weeks after my settlement date. They scammed me into paying points as they had no intention of keeping my mortgage. They held a XXXX to my head as they knew I could not go elsewhere to get a mortgage within XXXX weeks so I was forced to pay the points.
Consumer complaint received 2024-07-09
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: SANTANDER HOLDINGS USA, INC. (NJ)

I have been going back and forth with XXXX for a couple of months now as of XX/XX/XXXX in regards to a lease through Chrysler capital that was a total loss. 

The agreement was paid on time as expected until XXXX XXXX when the insurance settlement deemed it a total loss early termination. 

I disputed I had a balance on this account still in XX/XX/XXXX. XXXX XXXX resolution was to remove the balance owed and in turn mark my credit report with a XXXX and 60 day late payment history. 

My score dropped from XXXX to XXXX immediately as a result. I have been back and forth with XXXX numerous times and continue to be told I have no late payments and yet this still shows. 

I have been on with Chrysler capital numerous times to confirm it was coded correctly as well.

I have filed countless disputes and still no resolution. 

The latest was an email today they sent me stating " Your summary links late payments and derogatory indicators, negative remark, together so you know there isderogatory information reported on your credit report. 

Because it is not showing an actual late payment, it is referring to derogatory indicator on your report.Please contact the XXXX Disputes Center at ( XXXX ) XXXX at your earliest convenience to request a hard copy of your report to locate and confirm the derogatory information. '' I do not know what else to do.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (PA)

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I logged into my account to check my balance to make sure all of my money was there because I had discovered my debit card was missing. When I logged in I found out that somebody had not only stolen my debit card but used it for multiple atm transactions. I had my card on the XXXX of XXXX and someone must have stole it that day or the XXXX. The atm transactions started the XXXX of XXXX all the way until the XXXX of XXXX I immediately called and canceled my card and disputed the transactions as soon as I noticed. On the XXXX of XX/XX/XXXX withdrawals for XXXX dollars and XXXX for XXXX were made. On the XXXX of XXXX my account shows that XXXX withdrawals for XXXX, XXXX withdrawals for XXXX, and XXXX withdrawals of XXXX. On the XXXX of XXXX it shows a withdrawal of XXXX was made.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (LA)

On XX/XX/XXXX I was contacted via text by a gentleman and he informed me I could make $ XXXX just by playing a simple game of completing 3 task per day. If I did this for 5 consecutive days I could collect the {$800.00}. I needed assistance in paying my car note so I decided to do it. He provided his link to start me off and I won about {$450.00} + commissions. He let me have the commissions which was enough to start my own link. He them had me sign in to XXXX XXXX XXXX and sign up. Once I did this I was playing on my own with his assistance. He stated that he would make sure he would not leave me until I knew what I was doing ( all via text ). I won maybe {$200.00} and then by the end of the week I was owing this site {$5900.00}. I contact him and he told me just wire them the money and everything will be alright. I first wired {$5900.00} on XX/XX/XXXX it was a Monday because I had to wait until banks were open. I started playing again and then it hit me again. I owed {$7400.00}. It took me over 2 weeks to gather the funds. I had to take ( 2 ) loans out and it was again on a weekend. I deposited it on a Monday and started playing. I hit a another tragedy which I owed them {$23000.00}. By this time I did not know what to do and I finally was able to get the money once I got a loan from my XXXX plan. It was on XX/XX/XXXX. I wired the money and later that day I restarted playing. I had one item left to complete in this task. I completed. It stated I had approximately {$92000.00} in funds I had won. I immediately hit the withdrawal button. I waited for several hours and never received anything. I contacted the Customer Service for this XXXX  and I was informed that I had waited too long to complete my task therefore, they were holding it. I would have to pay them {$35000.00} in order to receive my money. 
This is just a scam. They just want me to continue to send them money and I never get anything in return. 

The money was wired to : 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
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

This is in reference to complaint XXXX which was CLOSED after the company, HSBC, sent me a letter telling me to send copies of my Driver 's license or passport and utility bills through the mail to authenticate me. I spent over three hours on the phone giving DL numbers, date of birth, mother 's maiden name, addresses- old and new, etc.. The credit card account I closed has {$160.00} credit that HSBC is stealing from me ( they will not send a check ). If MY money is not returned to me in a reasonable time I will be contacting the police and sheriffs in both XXXX ( previous address ) and XXXX ( present address ) to have this credit card fraud investigated. The HSBC reference number is ID # XXXX. 
The original complaint was opened XX/XX/XXXX and today is XX/XX/XXXX.
Consumer complaint received 2024-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I came to check my credit and Ive seen and got a email about capital one and XXXX XXXXXXXX XXXX I have no idea what these are about because I never had a credit card and or anything from XXXX in my name
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (FL)

I am writing to formally dispute an inaccurate late payment entry on my credit report, which is reported as late. I believe this information is incorrect and I am requesting its removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to ensure that the information they report is accurate and complete. If an item is found to be inaccurate or can not be verified, it must be promptly removed or corrected. I have reviewed my records and have found no basis for the reported late payment.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am requesting the removal of the late payment currently reflected in my XXXX XXXX This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my XXXX XXXX accurately reflects my payment history. I request written confirmation once the late payment has been removed from my XXXX XXXX.
Consumer complaint received 2024-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (PA)

I signed up for the XXXX plan and was put on an admin forebearance. I was told after I submitted the application that it would take XXXX business days for processing. I havent heard anything and tried calling but havent gotten connected with anyone. Am I getting the 5 % rate? I saw an email was sent out about the XXXX plan still taking place and the change of 10 % to 5 % rate for payments taking place this month still as well. Also, what is the update on my application? I called and keep being transferred to a bunch of different people.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

My husband and I signed up for the XXXX XXXX XXXX Credit Card on XX/XX/year> under the promotion of receiving XXXX points if you spend {$5000.00} in 3 months. We spent {$5000.00} on the card within 3 months per the guidelines. I then sent multiple requests to Chase ( the credit card company issuing the card ) to see when I would receive my points, starting in XX/XX/year>. They kept saying it would come within XXXX weeks. I kept following up and finally received a response in early XXXX saying that they have provided XXXX nights free that is " like XXXX points ''. This was apparently in the fine print somewhere. There are also restrictions with using the XXXX free nights in many of their hotels based on the point level, so you have to find a hotel that is less than XXXX points a night to use. So I requested that they provide the XXXX points to both XXXX and Chase. They blamed each other and told me to contact the other party to resolve. After many communications, Chase finally said they can't honor the request. This is fundamentally false advertising with big, bold letters of " XXXX points '' vs " XXXX free nights '', especially to those folks whose first language is not XXXX.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Received an email from CreditKarma stating I had new changes on my XXXX report. It stated " Your collections balance was paid off recently... Your XXXX XXXX increased recently. '' I have never had debt in collections and this shocked me. I went to annualcreditreport and pulled XXXX reports, as the XXXX XXXX failed to load. 

I got a copy of my XXXX report and no collection balance was reported whatsoever. 

CreditKarma told me I had a problem I did not have - I can not run the XXXX report without payment from XXXX again because of CreditKarma 's deceptive email notification.
Consumer complaint received 2024-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (AZ)

I tried disputing with the collection company when I got the notification back months ago. the company put the account in dispute status and I told them all the info they needed, I told the company that i've never lived at that address, I told them I haven't had a apartment for a couple years as I was living with a family members, so there was no need to have a tep account active. they assured me that this would be disputed and resolved and yet, this wasn't resolved.. 
I gave them all the information that they asked for, and was told they would dispute it and this wouldn't go on my credit, this was in a dispute status for about a couple months. I called several times to the company to check on it and was told every time that this was in dispute and that there was no new information about it and if there was they would let me know. a couple weeks Ago this started reporting on my credit and I was confused as to why since this was being " disputed '' on their end. I told them several times this wasn't my account, and unfortunately this ruined my credit going down XXXX points as a collection. they are not allowed to report this to the credit bureau 's if youre stating that this isn't your account.
Consumer complaint received 2024-07-18
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. (CA)

On XX/XX/XXXX, I booked a hotel room for XX/XX/XXXX to XXXX, but within 24 hours, I requested a refund through the platform because I realized I had made a mistake with the address and it didn't match the hotel my friend had booked. Since it was my first time using this app, I didn't notice that the hotel 's policy was non-refundable. The platform agreed to contact the hotel on my behalf to request a full refund, but the hotel did not respond. So, the platform asked me to contact the hotel myself to try to get a full refund. I contacted the hotel four or five times, but the front desk kept asking me to wait for the manager 's response and promised to email me, but I never received a reply. And I did not stay at the hotel and did not receive any services from them. Therefore, I do not accept this charge. According to California state law, I am entitled to cancel my trip within 24 hours, which I did. My credit card also rejected my dispute. Please help me, I want to get my money back.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PR)

Complaint and dispute against EXPERIAN for violating my rights as a consumer by not providing the proper and accurate documentation to verify that excluded information can and should be reported on my Consumer Report without my consent or knowledge. According to 15 US CODE 1681a reporting on my consumer report an EXCLUSION in accordance with 15 US Code 1681XXXX is not to be permitted without the consumer 's consent or knowledge. Such is a line item listed as XXXX XXXX XXXX is being reported without my consent or knowledge. 
I am once again requesting the physical documentation as proof of the ACCURATE CERTIFIED VERIFICATION of the reinvestigation of my consumer report according to 15 US CODE 1681 ( 2 ) ( i ) and 15 US CODE 1681b ( i ) Your company EXPERIAN has stated previously in a response to my complaint in the CFPB portal on XX/XX/year> regarding the Credit Repair Act. More importantly EXPERIAN stated its reinvestigation of my Consumer Report/ Credit file has been completed. However, I am once again requesting the physical documentation as proof of the ACCURATE CERTIFIED VERIFICATION of the reinvestigation of my consumer report and or credit file according to 15 US CODE 1681 ( 2 ) ( i ) and 15 US CODE 1681b ( i ) Informing the consumer of the Certified Verification of the reinvestigation is not what the law 15 US CODE 1681 ( 2 ) ( i ) and 15 US CODE 1681b ( i ) demands. Proof of an accurate Certified Verification document is the only item acceptable. NOT HEARSAY OR STATEMENTS! 
EXPERIAN has not furnished any proof of an accurate certified verification of the investigation of my consumer report regarding XXXX XXXX XXXX. This is XXXX of my several demands and attempts of EXPERIAN to provide the CERTIFIED VERIFICATION of the investigation regarding XXXX XXXX XXXX in accordance with 15 US CODE 1681 ( 2 ) ( i ) along with 15 US CODE 1681b ( i ).
Consumer complaint received 2023-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (IL)

I informed my car insurance company that I am moving back home to IL in XXXX of XXXXand will be paying for car insurance in IL I will not be coming back to FL. They knowingly tried to charge me for FL car insurance when I was already paying for car insurance in IL after I left the state. They reported me to all 3 credit biuros for non payment, that is fraud. I can not pay for car insurance when I do live or drive in their state any more. I have had insurance with XXXX from the day I drove across IL XXXX line. I am living on XXXX, I only have money to pay one insurance, once I paid my rent, phone and insurance here in IL, there is nothing left in my checking account, they caused me a lot of trouble trying to fraudulently charge me for months I no longer lived there. Now their report is ruining my good credit. I tried to remind them I told them I no longer live in FL and I pay for insurance where I live but they continue to try to get the money through a collection agency. These people are dishonest and trying to steal what doesn't belong to them. I went to check my credit and I see 2 derogatory reports lowering my good credit score. This below is it. Please help me fight these frauds. 
Collections EASTERN ACCOUNT SYSTEM, Opened XXXX {$100.00} EASTERN ACCOUNT SYSTEM, Opened XXXX {$120.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc. (GA)

I was reviewing my credit report after receiving notice that my scores went down in XXXX of 2019. I saw that debt had been added to my credit report. I disputed the debt with all 3 credit bureaus. They all came back and said it meets the FCR reporting act. They did not provide enough information to verify identity or that account belongs to me. I asked for original contract and verification of the debt which I have never received. They are trying to collect on a debt from from a utility company in XXXX and i live in georgia.The date of last payment on the account was in 2019. I called talquin to verify that was the case and it had fallen off my credit. Online information services renewed the debt to appear that became delinquent in XXXX of 2019 which is a misrepresentation and is illegal to do. You are not allowed to not verify a debt or send original contract and just make up dates to impact my credit. It is past the time for reporting and it needs to be removed before I take a more legal approach. I have never done business with this company and they are scamming to try and get a debt paid that is past the statute of limitations and they can not prove or verify the debt.In accordance with the Fair Credit Reporting act ONLINE INFORMATION SER Account XXXX XXXX, has violated my rights. 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
Consumer complaint received 2021-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have been violated by Bank of America/XXXX XXXX on XX/XX/2021. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.