davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: DISCOVER BANK (WA)

On or about XX/XX/2023 my wife and I began a home equity loan process with Discover Home Loans and were approved. We were going through the process submitting requested documents. On XX/XX/2023 senior loan processor XXXX XXXX XXXX XXXX  XXXX ) stated that she needed me to contact my home owners insurance and add them as a XXXX XXXX holder. She specifically stated it could not be an insurance binder. They needed to actually be on the policy now. I contacted my insurance agent and he provided me with a binder. He stated that he could not add them until the loan was completely approved and closing paperwork was signed. He told me if the binder wasnt sufficient that they could call him and hed work with them on something that would work. My insurance agent called me a couple days later and stated that XXXX had just contacted him and she was trying to get him to add Discover on the policy. When he informed them that he wasnt allowed to do that, she got very inappropriate and began accusing him of fraud. He told me that he did not appreciate being treated that way and would not longer be working with them. I called Discover and they informed me that we wouldnt be able to proceed with the loan unless they were added now. Due to needing the loan, I then called the insurance company directly and added them. The loan process proceeded. On XX/XX/2023 I received an email stating that my loan was now denied and that my loan agent would be contacting me. I called Discover and my loan agent wasnt available so I spoke to another agent. She told me that my house didnt qualify for the loan due to having multiple buildings on my property. This didnt make sense because its a full house, a separate guest house and bath house and a garage. She told me it didnt qualify. I asked if they were going to take themselves off of my home insurance. She stated that XXXX had. I then emailed my loan agent, XXXX XXXX, and asked him to call me when he was available. As of XXXX, XX/XX/2023, I have not heard from him. I contacted my home insurance and they stated that Discover was still on the policy. Discover did not contact them to be removed. I explained that the loan never went through and asked that they be removed. At the beginning of each time I spoke to Discover they informed me that the calls were being recorded. So it is all documented on their side. This was a horrible experience and they missed out on customers with great credit scores.
Consumer complaint received 2017-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

Citi B ank advertised in  XXXX   XXXX  that it will give {$400.00} bonus to a customer who deposits {$15000.00} into a new  Citi B ank checking account. The bonus will be rewarded within 90 days. I opened a checking account with  Citi i n  XXXX , deposited {$15000.00} on  XXXX   XXXX ,  XXXX . The bonus is supposed to be deposited into my account on  XXXX   XXXX ,  XXXX . I called the bank many times but as of today,  XXXX   XXXX ,  XXXX , the bonus {$400.00} was not there yet. Because I have to work as an   XXXX  for  an   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , I do n't have time to follow up on this matter. I happened to know th at Citi B ank has done the same for many others until the customers complained to CFPB, then it turned around to say they could not verify customer account, but after a few days they went ahead to pay.     M y Citi  account number is  XXXX .
Consumer complaint received 2018-05-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (CA)

I lease a XXXX  about 2 years ago. At the time of the lease I was told if I want it to buy the car at the end miles would not be an issue. I was also told in case of a total loss I was protected by gap. My car was a total loss because the vehicle was stolen. Bmw is now charging me for excess miles. I was told no matter what miles I had if is a total loss I would not be responsible. I was send a letter stating that the contract I had sign made me responsible for excess miles. I will attach the letter and I will also attach the back of the contract. The wording in no way I would interpret that I would be responsible for excess miles. The wording use is very deceiving and vague.
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (FL)

Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors, nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX is a company that is here to " help '' build credit however they are falsely reporting late payments on the following account # XXXX. Pursuant to XXXX U.S. Code 1681s-2 this company has reason to believe that they are reporting inaccurately because the truth in lending act states that a creditor may NOT treat any payments as late. 15 U.S. Code 1666b. Additionally, to verify that those " late payments '' are true, I am requesting that this company sends me all accounting records pertaining to this account. If they can not provide it, I demand that this company updates my consumer report to reflect PAANL status which is " Paid As Agreed Never Late ''
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, XXXX, XXXX, XXXX, LEXISNEXIS, XXXX, XXXX AND XXXX HAVE FOLLOWING ACCOUNTS, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Consumer complaint received 2023-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (NJ)

On XX/XX/XXXX, I purchased a property that will be under a tax abatement program ( PILOT or Payment In Lieu Of Taxes Program ) for the next 20 years. Under this program, I am only liable for a certain percentage of the property taxes : 50 % for the first 3 years, 65 % for the next 16 years and 80 % for the last year. 

My mortgage, as well as my escrow are serviced by LoancareXXXX XXXX  XXXX XXXX Unfortunately, LoancareXXXX XXXX  XXXX is unable to successfully process XXXX XXXX property tax bills. 

In XX/XX/XXXX, LoancareXXXX XXXX XXXX started charging me 100 % of the tax rate ( instead of the 50 % required by law ) and they missed the tax payment for the fourth quarter of XXXX ( due date of XX/XX/XXXX ). Since LoancareXXXX did not process my notices of error on this topic, I had to submit a complaint to the Consumer Financial Protection Bureau XXXX XX/XX/XXXX ( Complaint Number XXXX ) so that LoancareXXXX would bill me and pay XXXX town the appropriate amounts. After that complaint was resolved in my favor, LoancareXXXX started charging me the correct XXXX XXXX amount and refunded the late fee to my escrow. 

Unfortunately, LoancareXXXX again XXXX the tax payment for the third quarter of XXXX ( due by XX/XX/XXXX ) and also charged a late fee of {$26.00} to my escrow on XX/XX/XXXX. After this miss, LoancareXXXX issued an adjusted Annual Escrow Account Disclosure Statement on XX/XX/XXXX and sent me a letter indicating that I was to be responsible for tax payments since PILOT was considered a supplemental/special assessment and they were not responsible for these payments. Under this new statement, LoancareXXXX were not collecting escrow for XXXX XXXX payments and I was responsible for making those payments directly to the town. I was happy with this arrangement and I started making payments directly to the town ( See the XX/XX/XXXX payment receipt attached of my XXXX XXXX payment to the town ). However, LoancareXXXX did not take responsibility for the late fee of {$26.00}. 

On XX/XX/XXXX, I received a new Annual Escrow Account Disclosure Statement ( the third in XXXX ) indicating that LoancareXXXX were again going to begin collecting taxes in the escrow to pay the town for my PILOT/Property Tax bills. 

It is evident that Loancare/XXXX  are incapable of processing my XXXX XXXX payments and they are consuming a significant amount of time and money from my side. I have also demonstrated that I am able and willing to manage XXXX XXXX payments on time directly to the XXXX XXXX  XXXX.
Consumer complaint received 2021-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (NY)

Pursuant to 15 USC 1692a ( 3 ), I, am the consumer. 

Each month, Goldman Sachs sends a statement, alleging that i owe a debt. Pursuant to 15 USC 1692b ( 2 ), a debt collector shall not state that a consumer owes any debt. Pursuant to 15 USC 1692a ( 5 ), debt is an obligation or an alleged obligation to pay money from a credit transaction. Pursuant 18 USC 8, that obligation of debt belongs to the United States, not I, the consumer. 

On Thursday, XX/XX/2021, I sent Goldman Sachs an affidavit of truth, affirming my consumer rights and stating all violations they have committed. I also sent a cease and desist, demanding they stop all communication regarding this alleged debt, through any and all mediums, affirming my rights and requesting my specified remedy, pursuant to 15 USC 15 USC 1692c ( c ) ( 2 ). I also sent exhibits, highlighting and labeling the violations committed ; as well as sending a XXXX XXXX XXXX, calculating all the violations committed, assessing these damages, pursuant to 15 USC 1692k.
Consumer complaint received 2023-04-20
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 — Was not notified of investigation status or results
Company: Upstart Holdings, Inc. (MD)

These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-15
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 I.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instruction.
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Flexible Finance, Inc. (TX)

Flex Finance has been reporting inaccurate information to the credit bureau for months. I've disputed this account numerous times with XXXX and each time the account comes back as verified by the creditor without me receiving any documents proving their claims. I have provided proof that this account is being reported inaccurately and I've included documents showing the discrepancies from the creditor. This account is closed yet the account status changes to something different every time I file a dispute. This is against the FCRA laws to continue to report inaccurate information to the credit bureaus. It's been extremely stressful dealing with this because the company doesn't have a phone number, only form of communication is email and there's long periods between each email every time I've tried to communicate with them.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-28
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (FL)

On XX/XX/XXXX, I received a collection notice from this law firm, claiming to be a debt collector and that I owed a certain sum of money. I responded with a conditional acceptance, stating that I would pay the balance in full if they provided me with a contract/purchase agreement authorizing them to collect the alleged debt from me. I also requested proof of their registration with XXXX XXXX XXXX, which authorizes them to conduct business as a collection agency in the state of Florida. 

On XX/XX/XXXX, they responded with an information packet along with a debt validation notice. That packet did not include a contract/purchase agreement authorizing them to collect the alleged debt or proof of their registration with XXXX XXXX XXXX XXXX which authorizes them to conduct business as a collection agency in the XXXX of Florida. It contained a copy of a statement, which is not evidence of authority to collect a debt. 

On XX/XX/XXXX, I gave notice addressing their issues and requested that they cease and desist for their false and deceptive business practices due to the fact that they had not provided me with any evidence that I was legally obligated to pay or that they were legally authorized to collect the alleged debt. 

On XX/XX/XXXX, they ignored my cease-and-desist notice and replied with another attempt to collect the alleged debt. 

At this point, they are harassing me. Their negligent actions have caused me emotional distress, and I need your help to resolve this matter immediately. Thank you.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

On XX/XX/2023 a transaction on my debit card was carried out without my knowledge and authorization, a purchase online on the amount of {$1800.00} was approved by my bank, in favor of an establishment name XXXX XXXX XXXX located on the country XXXX in the city of XXXX XXXX. 
At the time of this transaction, according to the bank statement XXXX i was boarding my flight to come back to the United States after few days in XXXX XXXX 
The last time I used the debit card in this city was few before ( at XXXX ) in a mall, after that I believe my debit card was clone and later this transaction was done and approved by the bank, without any security. 
The next day after realized the issue and inconvenient ( my account was negative ), I called the bank and opened a dispute case, it was denied the next day - saying after investigation I was responsible for the charge in question.I appealed immediately requesting a credit bank on my account until they continuing with the investigation, it's been more than a month and I haven't got any solution.
Consumer complaint received 2024-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I sent several dispute letters with no response. Also reported them and they told the agency that they have provided information. They haven't. Since Portfoliio Recovery purchased this account I need to see purchase agreement, breakdown of charges that meets what they are requesting. So I can verify its mine with the original company.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (AR)

I was never late on the account listed above. Please provide me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payments from my report. FCRA allows 30 days for this to be rectified
Consumer complaint received 2023-04-20
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: SYNCHRONY FINANCIAL (AR)

I was never late on the account listed above. Please provide me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payments from my report. FCRA allows 30 days for this to be rectified
Consumer complaint received 2023-11-15
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. (NJ)

I have been disputing with Equifax, XXXX, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my Equifax consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by Equifax, XXXX, XXXX and the other creditors ( XXXX XXXX ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY EQUIFAX, XXXX, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).
Consumer complaint received 2023-11-15
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 (NY)

I received an Amex gift card as a gift from work. I tried to use the card in XXXX, XXXX, on XXXX, in supermarket. It doesn't work anywhere. I called up the number to get help. They pretended it was the first time they had heard anything like this. The call center in XXXX said they could not help as they only sell the cards they don't help to use them. I was told to call a different number, but there is no different number. They couldn't give me a different number, and there is nothing on the site. I tired 3 times but made no progress. I think the card is a scam, and that is how they make money.