davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify this claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$2500.00}.
Consumer complaint received 2024-01-11
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 (PA)

I purchased an {$700.00} TV from XXXX. The TV worked well initially, but then started being extremely slow and having wifi connection issues. I purchased this under XXXX 's 100-Day Risk-Free Trial ( specific for TVs ) which is STILL on the front page of their website which can be viewed here : XXXX XXXX XXXX. When I contacted XXXX, they said their refund policy is not 100 days and that I can not return the item. Huh? I explained to them that their promotional policy is 100 days and sent them that link. They continued to insist that they do not offer this refund period. I initiated a dispute with my bank who decided to side with XXXX despite me sending this information to them along with video evidence of the TV being faulty.
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

XX/XX/XXXX XXXX XXXX XXXX XXXX Online Complaint RE : XXXX XXXX Mortgage Select Portfolio Servicing Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam, I am filing this complaint against BOTH the above-named companies. 
I purchased a home is XX/XX/XXXX. It was originally financed through XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX assumed the loan XXXX XXXX, XXXX. The problem is, the payment I made on XXXX XXXX, XXXX, online, was applied to Principal Only, not as the regular monthly payment which was due XXXX XXXX, XXXX. The transition was XXXX XXXX, XXXX. I have been in contact with XXXX and SPS over the last 3 months and all they ( SPS ) tell me is that I got credit for the payment. XXXX did acknowledge over the phone that is should have been applied as a loan payment, but they cant fix it since as of XXXX XXXX, XXXX SPS has to fix it. 
Noted below is a timeline of correspondence noted as exhibits. Please note I have attached a copy of my bank statement which demonstrates under the description debit unitedwholesale 1 time DFT XXXX which is a Friday that I made the payment online, thru their website. It posted on XX/XX/XXXX. As noted above the transition took place on XX/XX/XXXX. 
What I want from SPS is for them to apply the {$4000.00} I paid to the monthly payment balance showing me current, a letter stating my account is current and that I have always paid on time, them to advise all 3 credit bureaus that I have NEVER been past due NOR SLOW PAY, reverse the fee they have assessed on my account and reasonable compensation for my time to resolving this matter over the last 3 plus months. 
Exhibit 1 Deposit Accounted Summary from XXXX XXXX Exhibit 2 Thank You for your payment dated XXXX XXXX, XXXX ( 2 pages ) Exhibit 3 Notice of Servicing Transfer date XXXX XXXX, XXXX Exhibit 4 Statement from XXXX dated XXXX XXXX, XXXX with a due date of XX/XX/XXXX Exhibit 5 Notification of Assignment, Sale or Transfer of Your Mortgage Loan XXXX XXXX, XXXX Exhibit 6 Statement from SPS dated XX/XX/XXXX Exhibit 7 Payment Confirmation dated XXXX XXXX XXXX ( 2 pages ) Exhibit 8 Statement dated XX/XX/XXXX Exhibit 9 Letter dated XXXX XXXX, XXXX pointing out they are not going to make any adjustments since funds in question were applied to this account Exhibit 10 MY letter, dated XXXX XXXX, XXXX, to SPS pointing out your company did not properly credit they payment made XXXX XXXX, XXXX paid to XXXX. 
Exhibit 11 Letter dated XXXX XXXX, XXXX stating they received my letter Exhibit 12 Letter dated XXXX XXXX, XXXX receipt of my letter dated XXXX XXXX, XXXX Exhibit 13 Letter dated XXXX XXXX, XXXX acknowledging my letter Exhibit 14 Letter Denying to make the adjustment requested Exhibit 15 Statement dated XX/XX/XXXX Exhibit 16 Letter dated XXXX XXXX, XXXX Assessing a late fee in the amount of {$160.00} We can provide exhibits. If you provide a fax number I can fax them over to you.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My daughter opened a student checking acct with Bank of America in XXXX. My name was on the acct as well. BOA promoted these " beginner '' accts as non-fee. Later, the acct status was changed to their most elite product ( now known as " Advantage Relationship '' ) that required a minimum {$20000.00} average daily balance to avoid the XXXX XXXX monthly maintenance fee. Neither she nor I authorized this change as, obviously, a college student can not maintain that balance. XXXX XXXX, branch manager, at BOA unit # XXXX, suggested in a phone call on XXXX that this could be a coding error. 

BOA accts that benefit from direct deposit are also not subject to fees regardless of the balance. XXXX XXXX and her associate, XXXX XXXX, have confirmed this to us. Although my daughter 's paychecks have been direct deposited into this account since beginning her first professional job in XX/XX/XXXX, the XXXX XXXX monthly fee was still charged. So, for XXXX  months ( XX/XX/XXXX to XX/XX/XXXX ) qualifying direct deposits ( more than the {$250.00} minimum ) went into this acct. This indicates a refund due of {$4100.00}.
Consumer complaint received 2023-09-22
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. (NC)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MD)

Chase advertised a {$900.00} sign up promotion for their checking and savings accounts requiring multiple steps including keeping a balance for 3 months and then waiting an additional 15 days to find out if you received the bonus. 

I followed all required steps after seeing the promotion advertised online, following that promotion link to the sign up page, and opening both checking and savings accounts as instructed. I think had my employer direct deposit sent to Chase as required, I funded my savings account with over {$15000.00} and kept that balance for 3 months. I then waited 2 weeks for the promotion and it never arrived. 

When I contacted customer service, I was told there was no promo attached to my application, even though I followed the hyperlink from the promotion page and promo code. Chase never confirmed the promo was active or not active, there was zero communication
Consumer complaint received 2024-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (FL)

On XX/XX/XXXX I purchased a home located at XXXX XXXXXXXX XXXX XXXX XXXX, Fl. shortly after I applied for XXXX XXXX XXXX. On XX/XX/XXXX my house was sold due my husband and I divorcing. The XXXX XXXX XXXX equipment was shipped back to the company and the services were paid for. I have disputed the creditor on several occasions. The information listed on my credit profile is not accurate, the account was originally opened in XXXX not XXXX. This account does not belong to me that was opened in XXXX. The name of the creditor is either misspelled or is completely inaccurate.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (FL)

I have a Saving Account in Marcus.com. I referred a friend according to the following information.

" Whether you refer a friend to Marcus, or youre referred to Marcus, you both enjoy : 1.00 % promotional rate increase on your Online Savings Accounts for 3 months ( on top of our high-yield rate ) Open an account in minutes with no fees and no minimum deposit The opportunity to earn more promotional rate increases by referring more friends '' My referred friend opened his account using my link but I have not received my 1 % promotional rate increase and what the bank said to me is that he is the one who has to claim. He did it but he did not receive ( apparently there are only 3 days to claim after the account is open ).
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (TX)

Please refer all my complaints about Keybank. My online access is not working and it has been complained in the past. But now Keybank sent me a new letter. 
It seems in this bank - nobody talks to anybody and nobody is aware what's going on.
Consumer complaint received 2024-01-02
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: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/24 I received an email from an XXXX XXXX who states to be part of the XXXX XXXX XXXX for Select Portfolio Services , Inc however when I called the XXXX number I was advised by a XXXX that there were no notes from XXXX XXXX on my account. I was beyond elated to hear that a Loan Modification was being offered as I had requested and applied for however it seems this may not be the reality. Some how this XXXX XXXX XXXX XXXX XXXX through caller id had pertinent information about my home address, email and loan information, I called back due to my excitement to remedy the issues we have experienced for XXXX plus months with SPS Inc and not he has my phone number. He promised me nothing short of a miracle which may not even be true now. I am requesting for CFPB to have SPS assist in a similar Loan Modification, if it is not true yet and help to put the horror we have endured for nearly a year beyond us. We are just requesting to pay our mortgage monthly and have the COVID-19 forbearance balance placed on the end of our loan as a balloon payment as most forgiveness was given under the CARE Act. I am now concerned that a decent amount of my personal information has been sold or leaked to various entities that intend to do nothing but steal my money with a possible promise to fix all of our mortgage issues from the last year.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/ Me and my father walked into our local Chase Bank, my father, being elderly, had a hard time opening a bank account under his name due to not having a properly updated driver 's licenshow. My father, who just recently came into a settlement check after a lawsuit My father endorsed the check to that I made deposited into my checking account. My father provided all necessary documentation. Proving who he says he is, he brought his social security and his Birth Certificate to the local Chase branch. The check was for $ XXXX The check was deposited. No problem for them to now turn around and say that they need a verified number after my father. Already provided necessary information as required by the user deposit agreement on chases website. And now Chase refuses to help me. 
With this issue. I've already made a complaint to the o CC and I'm still waiting to hear back from them. This is my father 's money. He's elderly. He doesn't have a job. He will needs this money. And I just don't know what to do.
Consumer complaint received 2024-01-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (PA)

Went to truist bank on multiple occasions to get a business loan with XXXX XXXX XXXX XXXX, was denied credit! Tried again for a personal loan, denied again. Also tried to get a XXXX  loan with my business partner and was denied again. According to Truist not enough credit history for my partner & business was too new. I'm just trying to get funding together my business off the ground. Asked for XXXX denied.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

EQUIFAX IS VIOLATING MY FCRA RIGHTS FOR ALLOWING THIS ACCOUNT TO CONTINUE REPORTING ON MY CREDIT REPORT. XXXX XXXX XXXX  THIS ACCOUNT HAS BEEN CHANGED MULTIPLE TIMES, DUE TO MULTIPLE REPORTING ERRORS. THE FCRA CLEARLY MENTIONS ALL INCORRECT ACCOUNTS BEING REPORTED MUST BE REMOVED. THE FOLLOWING ACCOUNTS ARE BEING REPORTED INCORRECTLY AGAIN AND MUST BE REMOVED : XXXX XXXX XXXX XXXX XXXX EQUIFAX CHANGED THE INFORMATION 5 TIMES AND IT STILL NOT CORRECT.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (LA)

I, XXXX XXXX XXXX, am writing to address concerns regarding potential violations of the Fair Credit Reporting Act ( FCRA ) and associated regulations. As stipulated in 15 USC 1681 section 602a, consumer reporting agencies such as XXXX are duty-bound to uphold their responsibilities with fairness, impartiality, and a commitment to consumer privacy. Similarly, financial institutions, including American Honda Finance, are mandated by 15 USC 6801 to respect consumer privacy. 

In accordance with 15 USC 1681 section 604a section 2, I wish to underscore that the furnishing of consumer reports is contingent upon written instructions from the consumer. To date, neither XXXX nor American Honda Finance has obtained my explicit written consent to furnish my information. 

By invoking my rights under 15 USC 6802 ( b ) ( c ), I am officially opting out of and revoking any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, that may have been previously granted to XXXX and American Honda Finance. It is noteworthy that American Honda Finance failed to apprise me of my right to exercise the nondisclosure option, as mandated by 15 USC 6802. 

Furthermore, 15 USC 1681 ( c ) ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report without proper authorization. The reported account is deemed adverse and has been shared without my explicit permission, thereby constituting a violation of 15 USC 1681s-2 ( A ) ( 1 ) ( a ). 

Under 15 USC 1681E, consumer reporting agencies are required to maintain reasonable procedures to prevent violations. It has come to my attention that XXXX may not be adhering to these prescribed standards. 
In accordance with 12 CFR 1016.7, I am formally exercising my right to opt out of adverse reporting services. I respectfully request your immediate attention and resolution of these matters. Your prompt response to this matter is highly appreciated.
Consumer complaint received 2024-01-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (WI)

On XX/XX/XXXX credit card ending in XXXX and one other was paid off in full then on XX/XX/XXXX new charges started showing up on this credit card. I sent XXXX XXXX a letter that I never reopened this credit card and this was ID Theft. Then in XXXX I started to get collection letters and phone calls trying to collect on this credit card first by Resurgent and at the same time by XXXX XXXX XXXX and LVNV Funding. I sent them the payoff letter and the ID Theft letter. All they sent back was a copy of an invoice that was XXXX years old and had an address on it that I had not lived at for XXXX years. I even requested from them under the FTC guild lines of ID Theft to provide the required information. They never did reply. I also asked them to remove this information on me from the credit report companies that they had reported this to, they refused. Then on XX/XX/XXXX LVNV Funding hired XXXX XXXX XXXX XXXX XXXXXXXX to file a claim in small claims court. Again I asked XXXX XXXX to provide the requested information under the FTC ID Theft guild lines. XXXX XXXX refused. We went back and forth in court paper work then in XXXX of XXXX LVNV Funding by XXXX XXXX request that this case in small claims to be Dismissed and the court did a dismissal order. Again I asked them to have this information on me removed from the credit report companies that this had been reported this to, they refused. The court requested the same information that I did and they could not provide it. This was a fraudulent law suit knowing that they had no proof to back up their case and this was ID Theft from the start. In XXXX XXXX, XXXX, XXXX XXXX and XXXX all had data breach. XXXXXXXX XXXX was the company that issued the credit cards for these companies.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (GA)

The truck needed a new fuel pump. We sent it to the XXXX dealership. We pay XXXX for it to get fixed. The XXXX dealership said that somebody from the state pound came to pick it up. Im not really sure and we was left with a balance, the card was not behind the car note was not behind the insurance was up-to-date. Everything was up-to-date, so we lost out on the truck and it getting fixed at the dealership, and when you call credits acceptance, they couldnt explain anything
Consumer complaint received 2024-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (NV)

I have been in touch with US Bank for several months regarding refund disputes with companies such as XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. These companies have failed to send me the refunds owed to me. 
Initially, the charges were credited to my account, but they were later reversed. As a result, I stopped making deposits, which led to my US Bank account becoming overdrawn and pending closure. I sincerely believe that US Bank didnt properly investigate my refund claims. It is crucial for US Bank to address and rectify the issues with my account before it is closed, as this could potentially cause future problems for me with organizations like XXXX XXXX.
Consumer complaint received 2023-12-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I received an email on XX/XX/XXXX from Chase stating the following : " As of XX/XX/XXXX, our records indicate that you may have a {$500.00} United Airlines travel credit available for redemption, expiring on XX/XX/XXXXXXXX XXXX This means you must book your flight prior to XX/XX/XXXXXXXX XXXX but your travel date may occur after. '' On XX/XX/XXXX, I tried to redeem the remaining credit amount of {$140.00} towards a flight with travel dates XX/XX/XXXX - XX/XX/XXXX and was told the travel can not occur after XX/XX/XXXXXXXX  and that I will lose my credit tomorrow. When i referred to the email that i had received from Chase- the agent called it a " general email '' that was sent out - when in fact it had very specific information about my credit and it was personally addressed to me. The original email clearly states that I can use it for travel after the date and had I known I had to travel prior to this date, I would have booked earlier in XXXX  This was inaccurate and very confusing information provided by Chase and they should be held responsible for the money/credit I will be losing.