davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (AZ)

I purchased a XXXX XXXX through XXXX XXXX in XX/XX/2022. The first year has a XXXX percent interest. In XXXX, I received notice that XXXX XXXX was being purchased by Comenity. I attempted to login to pay off the balance of the bill to avoid the interest for the previous year. The dfs.dell.com website said the accounts were transferred to Comenity 's web site, and I would need to register and set up the account. I receive my statements electronically, but instead of an actual document, it's a link to the XXXX credit website. Comenity does not let me log in, does not accept the XXXX account number, and will not provide the account number through phone verification. Until the very end of XXXX, there did not appear to be any contact information for addressing the account issue. When I logged in again XX/XX/XXXX, a phone number was provided on the login page. The pre-recorded message stated that my account number is on my most recent statement. The statement that I did not receive. After connecting with a customer service agent, I was told the $ XXXX interest was added, but a dispute could be filed because I had no way to log into the account and pay off the balance. The customer service rep took what should have been the final payment of {$2200.00} and said she submitted a dispute for the additional interest that was charged. She also stated that my account number would be mailed out. I received the dispute letter the following week. However, I have yet to receive my account number. I contacted Comenity again today ( XXXX ). I was told it was sent out, and the {$700.00} is still on my account. I have no way to access historical statements through XXXX, or my current account in Comenity. I also do not feel I should be required to pay the $ XXXX in interest because I was not able to pay the balance due to the change of ownership of the account.
Consumer complaint received 2024-02-26
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. (TX)

Complaint Regarding Auto Repossession Incorrectly Reported on Credit Report Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint concerning the inaccurate reporting of an auto repossession on my credit report, which I believe violates the provisions outlined in 15 U.S. Code 1681 a ( 2 ) ( B ) regarding exclusions from a consumer report. 

Recently, I discovered that an auto repossession was listed on my credit report. However, this repossession should be excluded from consumer credit reporting under the aforementioned code due to the use of my Social Security card in the transaction. This exclusion applies to any credit transaction wherein a Social Security card is utilized. Violation of Exclusion : Despite the exclusion provision, the auto repossession was inaccurately included in my credit report, which has had adverse effects on my creditworthiness and financial standing. This inclusion violates the protections afforded to consumers under the Fair Credit Reporting Act ( FCRA ) and undermines the integrity of the credit reporting system.
Consumer complaint received 2023-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NH)

I requested the PMI to be removed from my home. We have owned the home for more than 2 years and our property value has drastically increased. My request was denied and they said that our valuation tool showed the value had not increased and have failed to provide me the valuation tool they used. They clearly just used the sales price. Now I have to spend {$190.00} to have a BPO completed. I would like Freedom Mortgage investigated for not following procedures. They did not do their due diligence and research, they simply just used the sales price which is older than 2 years.
Consumer complaint received 2023-11-14
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: AMERICAN EXPRESS COMPANY (OH)

AMEX sent the dispute resolution letter to me past the 30 day window to respond therefore I could not respond in time to rebutte the dispute resolution decision. I have debated this with management which did not help me resolve the issue.
Consumer complaint received 2023-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC (CA)

I been on a XXXX disaster forbearance since XX/XX/2023. My eligibility is based on my place of business/employment was negatively financially impacted in the county of XXXX CA XXXX Zip code XXXX. My primary residence is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. The property XXXX mortgaged with XXXX is located in XXXX XXXX XXXX XXXX XXXX over. My investor is XXXX XXXX, it's one of their qualifying criteria to be on a forbearance plan for up to 12 month. 3 months into my plan I called in on XX/XX/2023 to ask for an extension. I received no reply back until XX/XX/2023 when XXXX served me a notice of default. Then on XX/XX/2023 I called XXXX loss mitigation to check on my status the customer service rep said my loss mitigation case is closed with no reason or explanation given.
Consumer complaint received 2023-04-25
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. (AZ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

There are multiple addresses, inquires, and misspelled names that are attached to my credit report.
Consumer complaint received 2023-08-31
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. (GA)

I XXXX XXXX noticed Two fraudulent accounts appearing on my credit reports. I have attached an FTC report and additional supported documentation. 
XXXX. XXXX {$420.00} XXXX. XXXX XXXX {$650.00}
Consumer complaint received 2023-11-07
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TN)

changes banks through chase amazon card, autopay setup after change, but chase processed payment with old account twice, didnt realize they '' re mistake until XXXX XXXX XXXX score change, chase failure on they '' re part didnt make me aware until after they reported it to reporting agencies, paid the {$20.00} and closed account, filed a dispute with both XXXX and XXXX, and insult to injury chase sents me credit journey report and lowers credit score. its they '' re failure to process autopay not mine.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found (IL)

There was a fraudulent transaction on my checking account that took place on XX/XX/XXXX  at XXXX XXXX, CST. I immediately alerted the bank. {$210.00} was withdrawn from my account through an unknown merchant, XXXX XXXXXXXX # XXXX. Prior to this withdrawal, someone accessed my account through XXXX XXXX XXXX, which appeared to be a banking verification process. They made a deposit of {$0.00} and then immediately withdrew the {$0.00}. And shortly thereafter, withdrew the {$210.00} that I had just put into the account a few hours prior to this incident. My personal and sensitive information has been compromised because of this. The bank, Found Bank, is refusing to refund my funds. The perpetrator gained access to my personal information through Found Banks platform. I have had my email account for over 20 years and always used this email with my checking accounts and have never had this happen to me. Please help. Thank you
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (MA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-10-30
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: Early Warning Services, LLC (GA)

I have been facing an ongoing issue with Early Warning regarding an account that I have disputed as not belonging to me. Despite my requests, Early Warning has failed to provide any verifiable proof or evidence related to this account. I sent multiple letters explicitly requesting specific information in accordance with the Fair Credit Reporting Act ( FCRA ) regulations. Early Warning responded with generic letters stating that my dispute did not offer new information without addressing the verifiable proof I requested. This situation has caused severe consequences, including the inability to open bank accounts, due to the inaccurate information on my consumer report.
Consumer complaint received 2023-11-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CarMax, Inc. (TX)

Subject : Urgent : Request for Assistance and Resolution - Account Number XXXX Dear [ Car Max Finance Representative ], I trust this message finds you well. I am writing to bring to your attention a matter of utmost concern regarding my ongoing attempts to coordinate the retrieval and closure of my account associated with the XXXX XXXX, identified by account number XXXX. 

Despite my multiple attempts to communicate and facilitate the pickup of the vehicle, I have encountered evasive and uncooperative behavior from Car Max Finance representatives. Of particular note is the fact that my loan account, contrary to explicit instructions provided, remains open. 

The conduct exhibited by Car Max Finance throughout this process has been disappointing, characterized by rudeness and disrespect. Furthermore, the persistent refusal to facilitate the closure of the account raises serious concerns and may be viewed as violations of the Uniform Commercial Code ( UCC ). This ongoing situation appears to involve elements of business fraud. 

In light of the aforementioned issues, I am seeking a prompt and amicable resolution to this matter. I kindly request your immediate attention and assistance in addressing these concerns in accordance with the applicable legal standards. 

I appreciate your prompt response and cooperation in bringing this matter to a swift resolution. 

Sincerely, XXXX XXXX XXXX [ Account 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. (WA)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2023-11-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (LA)

The loan was procured to secure solar panels ( through XXXX XXXX XXXX - based out of Texas ) on my home to reduce my energy use. I was guaranteed that the payment amount would be around {$150.00} a month, for 15 years, and that I would subsidize all of my energy usage. I got a sudden notice that I did not meet my " target principal balance '' by a certain date, and the payment doubled as a result. I was never told that the loan had such practices, and the solar panels have never operated as we were told ( over two years into this process and I still don't see the promised relief from my electric bills ). Now, I have extremely expensive electric bills, as well as the doubled payment from the loan.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (IL)

I have dispute a transaction for the amount of {$2300.00} with Bmo Harris here is the dispute number XXXX I have waited over 10 business days havent received any letters havent received any provisional credit I tried to call today and they said that my dispute was denied even though I did not authorize a transaction and I have no Knowledge of it.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

Regarding Citibank checking account. On XX/XX/XXXX I submitted instruction for XXXX in the amount of {$25000.00} ( the daily XXXX ) for several days spread out. 
Received an email the transactions were cancelled and to resubmit. When I called I was told the fraud department called me- they did not. 
I was told I would receive a letter from the bank- I have not. 
I have XXXX homes and am in the XXXX home with the mail being forward so no idea when this letter will arrive. 
I went to a branch on XX/XX/13 with a passport and debit card. The branch was told by the XXXX team this is not acceptable so my account is frozen for the foreseeable future.
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (TX)

Trying to use WISE to get friends to send me money from XXXX  to reimburse me for tickets I purchased for a future trip, and once again WISE makes the process extremely difficult. One friend successfully transferred some money, after two attempts and a bunch of hurdles. The other friend is still trying, the first time the transfer was canceled and the amount minus some costs was refunded. The second time he thought the transfer was successful and sent me an email saying so. When I checked my WISE account the transfer was flagged with an exclamation point and when I clicked on it a page with a button to complete verification appeared. I clicked on the button and was greeted by an error page. 
I called customer service and was told my friend needed to call them for some verification. 
My friend didn't get any warning, email, or messages whatsoever that there was a problem with the transfer neither did I. 
I'm starting to understand how WISE can claim to have lower costs of transfer than traditional banks. 
Multiply these sorts of " problems '' by thousands of unsuccessful transfers, holding transfers for a few days or weeks, and charging transfer costs after canceling them, that's a devious way to grab money. 
On top of that the incentive ( {$75.00} ) to get your friends to use WISE is not real. By making the first transfer unsuccessful it voids automatically the reward as well as the free-of-bank-charge first transfer.
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (OR)

On XX/XX/XXXX, I received a phone call from a gentleman who I later found out had spoofed US Bank 's customer service number, and he pretended to be someone who worked in the XXXX XXXX XXXX department. He told me that they noticed two charges in Florida at an XXXX store and a XXXX and wanted to see if those charges were by me. I do not live in Florida, so I told him those were not me. He proceeded to say that they could get those stopped, and just needed to send me a two step verification code to ensure I was the account holder. I did not give them any personal information, I simply read the code back to them which gave them access to my bank account, which they then locked me out of. 

On XXXX XXXXXX/XX/XXXX, the scammers called me again and said there had been two wire transfers out of my account and they were looking into it. They completed a $ XXXX wire transfer from my checking, and used my credit card to put a cash advance into my checking so they could take a second wire transfer of {$3700.00}. 

When I hadn't heard any updates by XX/XX/XXXX, I called in to US Bank, which is when they informed me the person I had been talking to the entire time did not actually work for US Bank. In all, I did not authorize the wire transfers to be taken out of my account and at this point the money was gone. 

I filed a claim with US Bank the night of XX/XX/XXXX and the claim officially went on the record the morning of XX/XX/XXXX. US Bank send me a letter XX/XX/XXXX saying that they tried to recoup the total of {$13000.00} from XXXX Bank where the money was transferred, but XXXX was not able to return the funds. Due to this, US Bank said I am out of luck and will not be getting my money back. This outcome is completely unacceptable as I DID NOT authorize these funds to be taken, and I am doing everything in my power to get my money back. The amount of time and stress this ordeal has caused seems to be endless, and I feel stupid for even answering the original call. For anyone else reading this - if your bank ever calls you hang up and call them back to ensure it is real!!
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I was driving when I got a cal from XXXX, the chase customer service number. The scammer on the other end sounded very professional like you would expect chase to be and they told me that a wire transfer was trying to be made on my account and he was confirming that it was me, I said no and he proceeded to say that they are going to attempt a wire reversal. First he had me confirm transactions from my account, he even told me which account number so they had my banking info. I the followed his detailed instructions which included adding a recipient which he said was the wire fraud technician and I had to give him access into my account he then had me enter in the amount that was trying to be taken from the account. This ended in me wiring {$5000.00} to them. I was driving when all of this took place so I was partially distracted and they seemed very urgent so unfortunately I was taken advantage of. I opened a claim with chase and they keep telling me it is not fraud because I initiated the transaction and they seemingly do not care. I did not give out information to them carelessly i just didnt know at the time what a wire transfer is which led me to send them money without actually knowing I was doing so.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap.

Once again per statues above this account needs to be removed asap THIS ACCOUNT DOES BELONG ON MY CREDIT REPORT REMOVE FROM ALL CREDIT REPORTING ASAP
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (CA)

Reached out to DISCOVER BANK regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account without a balance due. Please provide proof and update the inaccurate reporting or delete the negative payment status on this account. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.DISCOVER BANK XXXX
Consumer complaint received 2023-11-14
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I purchased a {$200.00} gift card from XXXX XXXX store. I activated the card and updated the PIN. I purchased a soft drink and within five minutes the card was blocked because of suspicion of fraud. No fraud occurred on the card. Card companies are instantly blocking cards with lack of evidence of fraud. I needed this card to cover expenses on a trip. I had to cancel my trip and turn around and return home because I could not purchase gas. I also believe I should be compensated for their mistake of closing the card without proof of fraud. The card was closed to benefit them and not me!!!! 
I immediately reached out to the company and told them no fraud occurred. I have been hung up on and treated like a criminal through the entire process by this card company. I have faxed documents to them twice and each time they tell me the documents are blurry, readable yes, just blurry. I tried to follow their procedures of uploading documents using their website. The website does not work, as verified by the company, to allow for the upload of documents. No one should have to go through this process to claim their money, especially when no fraud was reported or occurred!!!! I want my {$200.00} gift card replaced.