davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
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 (FL)

I have two American Express pre-paid gift cards totaling {$5000.00}. Both cards are active and valid as confirmed when I called customer service on a number of occasions. On Monday, XX/XX/XXXX, I tried to pay for an order at XXXX XXXX but both cards were declined. First I tried in the store, swiping the card, then when that was declined I tried to enter the card numbers manually online with XXXX XXXX and again both cards were declined. Customer service said there was nothing wrong with the cards and maybe I should just keep trying other merchants. They also offered to send two new cards but, as I explained, it wasn't an issue with the magnetic strip as both were declined when I tried to enter the gift card numbers manually. 

I should be able to use these cards where and when I want and said that to them. They couldn't care less. I ended up having to pay for the order on my personal credit card as it was going to be cancelled unless the charge was paid for on that date.
Consumer complaint received 2024-05-21
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: GOLDMAN SACHS BANK USA (TX)

Originally opened the dispute with Apple credit card by Goldman Sachs on XX/XX/XXXX. Hired a company to do a repair on my gas stove which was backed by a 1 year warranty. The work was completed in XX/XX/XXXX. I reached out to the provider several times to let me know that the burners they replaced on the gas stove wasn't working. The technician set an appointment to come back out and check it under warranty but never showed up. I ended up having to replace the gas range and I filed a dispute with Apple/Goldman Sachs regarding the warranty not be honored and provided evidence and screenshot contacting the merchant verifying the appointment even have video evidence of the appliance not working and somehow they still sided with the merchant by them providing confirmation I made the purchase. That isn't the issue with the dispute. The problem is that I paid for a service that was supposed to be warrantied and the company failed to remedy the issue.
Consumer complaint received 2023-11-08
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: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Open Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Clos
ed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (LA)

I was told that I only had XXXX choices, a loan modification, pay arrearage over XXXX dollars or foreclosure. Feeling extremely pressured, after my husband passing away last XXXX, I opted for a loan modification After the loan modification I became current I made my payment on XX/XX/2024 and I became current the following day XX/XX/XXXX I was reported to the credit bureau as delinquent 120 days, then reported delinquent 120 days again on XX/XX/2024 i contacted Shellpoint mtg several times via phone email and fax to no avail I was totally ignored ( Then once via phone I was told that the reporting was for the previous month ) Reporting a delinquency later than when it occurred can indeed violate the Fair Credit Reporting Act ( FCRA ). 
The Fair Credit Reporting Act ( FCRA ) is a federal law that governs how consumer credit information is collected, reported, and used. It provides certain rights to consumers regarding their credit reports and ensures accuracy and fairness in credit reporting. Here are some key points related to reporting mortgage delinquencies under the FCRA : Timeliness of Reporting : Creditors and lenders are required to report accurate and timely information to credit reporting agencies ( CRAs ). 
If a mortgage delinquency occurs, it should be reported promptly to the CRAs. Delays in reporting could violate the FCRA. 
Shellpoint is not taking any steps to remove this inaccuracy from my credit reports. 
they are taking no responsibility for their actions what so ever! 
this is causing much emotional distress.
Consumer complaint received 2024-04-30
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. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was paid on time. 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 date XX/XX/year> XXXX
Consumer complaint received 2024-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

I have been in touch with the loss draft mitigation dept. I had water damage to the home and check was written with Shellpoints name. The company refuses to release the check to me. Inspection was done XX/XX/XXXX. All repairs were 100 % complete prior to that date, pictures were taken, and they now claim that they didn't have access to a bedroom and playroom. The inspector had access to the entire house, however there was no damage to a bedroom and playroom so probably that's why she didn't take pictures of that area. The inspection claimed 50 % repairs, but 100 % was already done prior to her visit and the contractor signed off on waiver of lien. How do I get my money that I already paid out of pocket to the contractor?
Consumer complaint received 2024-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/XXXX I used my Capital One credit card to purchase services from a merchant for {$1000.00}. 
I was then told by him that the account was not able to accept payments and he issued me a refund for {$1000.00}. 
I then paid him the entire amount by check. 
I contacted Capital One on XX/XX/XXXX and questioned if they could stop the payment for the {$1000.00} and I was told to wait until it was posted and then file a dispute. I sent copies of the invoice, the pending refund and the check. 
On XX/XX/XXXX, the amount was posted to my account and I contacted Capital one and started a dispute. 
On XXXX I received a letter from Capital One stating the dispute was closed because the " merchant confirmed that no other payment was received for the purchase ''. I then contacted Capital one by phone and questioned what information they needed. I was told they could not accept the check and I needed to send the front/back of the cancelled check. I then sent this to them on XX/XX/XXXX. 
I contacted them by phone that day and I was told that my account would be reviewed. 
XXXX XX/XX/XXXX I received a letter stating my dispute was denied because my information " lacks all the requested information to validate my claim. I then questioned what information they needed and I was told to get a " valid credit receipt ''. 
On XX/XX/XXXX I contacted the merchant and we had a 3 way call with XXXXXXXX XXXX. I was told that they could not do a refund because of the dispute and they could not issue a refund until XX/XX/XXXX. They also stated that the initial refund was rejected by Capital One on XX/XX/XXXX and he sent a document to validate this. I have sent this additional information to Capital One on XX/XX/XXXX. 
I would be happy to send any other information that I have.
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (TX)

On XXXX of XX/XX/XXXX my XXXX XXXX XXXX was stolen. I notified the police, landlord and Bridgecrest. They sold the vehicle and there was a surplus left over. I called Bridgecrest on the XXXX of XXXX and the XXXX of XXXX. I have not received any surplus payments.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (FL)

I have three lenders that continue to inaccurately report my accounts as past due. The first lender is XXXX XXXX XXXX , the second is XXXX XXXX and the third is NETCREDIT. Despite my repeated requests and submission of documents proving that these accounts have been paid off, the credit bureaus have not updated my account statuses to reflect that they are current, paid off, and closed. 

I've taken all the necessary steps to rectify this situation. I've contacted each credit bureau individually, providing them with the necessary documentation that shows my accounts are paid off. Despite these efforts, the lenders persist in reporting my accounts as past due, which is inaccurate and misleading. 

This ongoing issue is not only frustrating but also has a significant negative impact on my credit report and, consequently, my financial well-being. The incorrect reporting by these lenders is a clear violation of my consumer rights. 

Given that my efforts to resolve this matter directly with the lenders and the credit bureaus have been unsuccessful, I have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ). I believe that their intervention is necessary to ensure that my credit report is corrected and that my consumer rights are upheld. 

Thank you for your attention to this matter.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I previously filed a complaint against Equifax XX/XX/2023 disputing the accuracy of unauthorized and fraudulent inquires, tradeline account information and collection accounts listed on my credit report. Equifax closed my complaint # XXXX attached to this complaint, stating the information has been proven to be XXXX however Equifax has not provided me any evidence to support their claim of FACTUAL information on my credit file. In addition, Equifax has not addressed my complaint about the inaccuracies within my tradeline information nor the collection information on my credit file. 

I am now requesting the procedures used to determine the accuracy and completeness of the information disputed in my previous complaint # XXXX, including all documentation in connection with the disputed information that supports Equifax investigation XXXX claiming that the information is FACTUAL. Furthermore, I would like for Equifax to address the inquires, tradeline and information and collection in question as addressed in my previous complaint attached.
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (MI)

Can not collect on a discharged debt. 

3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.

Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
Consumer complaint received 2024-05-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (PA)

I have an IRA CD with Synchrony Bank that matured on XX/XX/2024. They said I have a 10-day grace period to decide what to do with the account. So, I contacted XXXX XXXX, which was offering me a better APY than Synchrony. On the XXXX of XX/XX/2024, XXXXXXXX XXXX emailed me some transfer request documents that I signed and returned to them via the Post Office. They mailed the request to Synchrony Bank on XX/XX/2024. I kept checking my account with XXXXXXXX XXXX hoping to see my new account opened with them. Because no account was opened as of today, XX/XX/2024, I contacted Synchrony Bank to find out what was going on. Synchrony Bank told me they received the request on XX/XX/XXXX, which is outside the grace period ; They said they could still perform the transfer, but that I would have to pay more than {$700.00} in the form of early withdrawal penalty. This is my retirement account and I can not afford to lose that amount of money. I told them the request was mailed to them on XX/XX/2024, as stated by XXXX XXXX, and that I didn't believe it took the Post Office 12 days to deliver a mail from Maryland to Texas. I was forced to stay with Synchrony for another year, and I don't believe that's right.
Consumer complaint received 2024-05-21
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: Nelnet, 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my SLOAN/NELNET - XXXX, SLOAN/NELNET - XXXX, SLOAN/NELNET - XXXX, SLOAN/NELNET - XXXX, SLOAN/NELNET - XXXX, SLOAN/NELNET - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (TX)

As per under Section 623 of the Fair Credit Reporting Act ( FCRA ) I am writing to dispute and have removed immediately the following information in my file : This item DISCOVER BANK is inaccurate because of inconsistent reporting across all three credit bureaus. I am requesting that this be removed immediately for inaccurate reporting. I want a validation documentation with my wet signature on it, an actually hard copy signature from me with application, as I never ever applied for this. IF they cant provide this i want this removed immediately as they are violating my rights.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (CT)

Navient denying the existence of my request to enter forebearance during the forebearance window. 

Navient unable to provide statistical proof that they have a 100 % success rating with the health of their forebearance process and that there's absolutely 0 % chance that their system could have an error.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

There was a charge of XXXX on XX/XX/XXXX for XXXX XXXX from the state of WA . I did not authorizing this. I canceled my card and chime declined reimbursing these funds to me.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (TX)

I pulled a copy of my credit reports and noticed an erroneous account that need to be immediately DELETED. 

POSSIBLEFINA has violated my consumer rights clearly outlined in 15 USC 1681.

As a federally protected consumer, I am well aware of my rights and more specifically my RIGHT TO PRIVACY within 15 USC 1681A ( 4 ). 

Account in question : POSSIBLE FINANCE- XXXX Re : Form 1099-C Cancellation of Debt I am writing to you regarding a matter of utmost concern regarding the inaccurate reporting of a charge-off on my credit report attributed to your agency. Upon reviewing my credit report, I discovered a charge-off entry which, according to the IRS, constitutes debt that has been discharged and subsequently utilized for tax benefits by your agency. It has come to my attention that your agency has been unlawfully reporting this information on my credit report, while simultaneously attempting to collect on the debt or maintaining a charged-off status. 

As per the guidelines provided by the IRS, such actions amount to tax fraud, a serious offense which I am prepared to report should this matter not be rectified immediately. I hereby exercise my right to demand the immediate removal of this inaccurate information from my credit report. Additionally, I require you to provide me with a copy of the Form 1099-C related to this debt, to be sent to the address provided above or via email at your earliest convenience. 

It is evident that your agency has violated the maximum accuracy standards outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ). By reporting information that is demonstrably not 100 % accurate, your agency is in clear violation of federal law. Continuing to report this inaccurate information would only exacerbate the situation and would constitute willful violation of various provisions under 15 USC 1681s-2. Your company is also setting itself up for a civil liability suit under 15 USC 1681n for negligible non-compliance with a possible {$1000.00} expense for each violation as well as a suit under 15 USC 1681o for negligible non-compliance with even higher resolutions. 

Moreover, I have been directed by the IRS to file Form 3949A for illegal tax violations against your company in order to address this matter. I trust that neither you nor your Executive VP would desire to engage in legal proceedings over such blatant transgressions. 

I hereby demand that you take immediate action to notify the credit bureaus to DELETE this erroneous information from my credit report without further delay. 

Failure to comply with this demand will leave me with no choice but to pursue all available legal avenues to ensure my rights are upheld and justice is served.
Consumer complaint received 2024-01-10
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. (TX)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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 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 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 XXXX XXXX