davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OR)

To : Chase Ultimate Rewards Phone # : XXXX Date : XX/XX/2021 Call start time : XXXX Call end time : XXXX Reason for call : Redeem XXXX XXXX credit issued from flight cancellation due to COVID with a balance of {$58.00} Representative Name : XXXX from XXXX Call Center Description : I was trying to book a last-minute flight using credits from a previously canceled flight due to COVID. At the beginning of the call, XXXX warned me that the process would take about an hour and I agreed. I was then placed on hold for the remainder of the call, where XXXX would jump back on the call every 2-3 minutes to check that I was still there. At the hour mark, there was little to no progress of booking the flight. 3 weeks prior, I booked an Alaska flight using credits also issued by Chase Ultimate Rewards, the entire phone call took around 45 minutes. 

Frustrated, I asked what was taking so long and felt as if I was being pulled around and abused. I first kindly asked for XXXX 's agent #, which he refused to give. 

On the official XXXX website, I found a flight that I wanted to purchase for a price of {$360.00}. Before going further with XXXX, I asked him if I could get the price of that same flight if I were to book it through Chase. He gave me an inappropriate total of {$1500.00}. 

Then, I requested to speak to the manager and explain my frustrations with XXXX and the company 's tactics, as if they are trying to prevent consumers from utilizing credit that was awarded by the airline company. 

I was then put on hold once again to be transferred to the manager. After 1 minute, the phone call was disconnected on me.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (UT)

On XX/XX/XXXX, I applied for an HSBC Advance Checking account. 

The account was advertised on the HSBC website with a {$200.00} welcome offer after qualifying activities. I applied for the account by clicking the advertised link on the HSBC website. On XX/XX/XXXX I completed the qualifying activities, which consisted of a series of direct deposit/payroll transactions. 

The welcome offer contract ( attached below ) specifies that I would receive the bonus " approximately eight weeks after completing all qualifying activities. '' When the welcome offer was not received as expected, I contacted HSBC via BankMail, their direct messaging service. I contacted them on XX/XX/XXXX and received a reply 16 days later informing me that " we regret to informed you that as per the investigation Team confirmation, your account application doesn't link any cash offer. 
However, if you have any screenshot for proof of your application ID and supporting evidence, you may provide to us, so that we may forward to the campaign and Promotional Team further assistance. '' There is no means provided of sending screenshots or supporting evidence to HSBC.

Several follow up messages -- providing HSBC the requested application ID and requesting instructions on how to provide them with the requested supporting evidence -- went unresponded to. 

On XX/XX/XXXX I was finally told " We have received your BankMail inquiry with regards to the bonus offer not credited to the account. Upon review the investigation raised is rejected as there is no offer linked to this account, as per the terms for advance checking bonus offer {$200.00} mentioned below ... '' The bonus is now two months overdue. HSBC has failed to honor its obligation and also will not communicate with me in a timely manner.
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AR)

Citi bank credit card has an auto pay set up thru them receiving payment from my bank account. I have always set up and requested paper statements on all my credit cards accounts. XXXX XXXX, I was puzzled when I found a XXXX taken out of my bank account and had no way to trace it to the credit card, after calling the bank and doing multiple things, it was citi bank credit card XXXX. Citi card enrolled me on paperless statement and I had no knowledge of this until XXXX XXXX. This account had no interest occurring for a while, like 12 months, inXXXX 2021 interest started. 
I called citi card do on XXXX XXXX, & told them the situation, being taken off paper statements by ( citi ) and citi changed my statements to paperless. I talked to XXXX at citi and told him i would have to go into town and switch money but I would pay this bill off in full, tomorrow, XXXX XXXX, minus the interest. I did pay citi {$6300.00} thru an employee named XXXX. I asked XXXX and XXXX about the interest charge and they couldnt remove it. XXXX XXXX XXXX, the payment has cleared my bank for {$6300.00}, and I called l citi and talked to XXXX  about removing the interest he acted as XXXX was a purchase instead of interest, he put me on hold twice, first time no, then second time he said he would go to higher officials, he came back and said my name and hung up. I called back and asked for him, they had no way to find him, I talked to XXXX ( it started with a XXXX  ) she was a foreigner lady, as I started to explain she hung up too. I feel like they took me! I have never been late on my payment and when interest start accumulating, I pay my bill off in full. 
I just want justice. I did not change my method of billing with my statements, I am older person and always received PAPER STATEMENT. Thank you, XXXX XXXX
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Opened XX/XX/XXXX Balance XXXX Account is showing late payments for XX/XX/XXXX and XX/XX/XXXX. The account was never late and the vehicle was totaled on XX/XX/XXXX. Insurance submitted payment to them shortly after and they still marked the account as late payment. Account is current and the next payment is not due until XX/XX/XXXX.
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (NY)

I am writing to your company again as you continue to violate my rights as a consumer by having these fraudulent accounts on my credit report. I do not understand how it is possible you are able to verify these alleged accounts when it is clear that there are so many inaccuracies and incorrect information. Please remove these fraudulent accounts that are listed in the FTC Claim. I have reported this and included yet another FTC Affidavit. I also made a complaint with the CFPB.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I believe that my mortgage company owes me {$870.00}. 

I requested a payoff statement in early XX/XX/2020. I received the payoff statement in mid-XX/XX/2020stating that the mortgage payoff would be {$870.00} if paid by XX/XX/2020. The payoff statement declared that there were only two acceptable payment methods. A direct wire transfer or a cashiers check. I chose a cashiers check which, as instructed, I mailed to : Mr. Cooper, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, TX. 
It was sent certified mail on XX/XX/2020 and was received by the above address on XX/XX/2020 according to the USPS. 
When I reviewed my checking account, I noticed that my monthly mortgage payment, of {$1000.00} had been deducted via autopay on XX/XX/2020. 
On XX/XX/2020, I received two checks from Mr. Cooper. One for my remaining escrow account balance of {$710.00}. The second check for the difference of my autopay mortgage payment and the certified check equaling {$170.00}. 
The payoff amount of {$870.00} was deducted from the automatic checking account funds transfer of {$1000.00} not from the cashiers check of {$870.00} that to my understanding was the only acceptable method of payment for a payoff as per their payoff statement, So I believe that the {$870.00} is unaccounted for and is owed to me.
Consumer complaint received 2023-05-03
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. (FL)

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. 

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 XX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2021-05-26
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. (PA)

Trans Union has a creed freeze on my account for6 months but still if I use services like XXXX XXXX and XXXX  XXXX they allow them to let HARD INQUIRIES come on credit report to scam money. I ask for FAIR CREDIT REPORTING ACT SECTION 604 and 609. I sent them registered mail with the federal law to have them show anything Oi did to make these hard inquiries. It is your job to tell them to stop fraud for money on my expense. If they did what the fcra 604 sad then I couldn't show you how they all 3 are ringing money on customers exsoese then there customer service is XXXX and they have know idea what American laws do. They are trained to say no and that is all the major credit bureau does. I work hard and these hard inquires are fraud. 

1. XXXX XXXX XX/XX/XXXX. FRAUD CREDIT INQUIREY 2. XX/XX/XXXX..XXXX XXXX XXXX FRAUD INQUIREY 3.XXXX XXXX XXXX Fraud Inquiery 4.XXXX XXXX XX/XX/XXXX fraud inquiry 5. XXXX Fraud Inquirey that all on report I had nothing to do with. Take these off or I will go to court and drain you for destroying peoples lives XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

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.

has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

In XXXX of XXXX I reached out to XXXX XXXX XXXX XXXX XXXX XXXX to make an arrangement to pay off my auto loan debt after I voluntarily surrendered it in XX/XX/XXXX. I was told that it need to be placed with a collection agency before I can set up any payment arrangements. Several calls and months later the account was still not placed. I contacted the XXXX general customer service department 3 times on XX/XX/XXXX and received 2 additional departments to contact because they are not allowed to discuss this account because it is not with their department, and that I needed to speak with XXXX ( the collection account holder ). I spoke with XXXX XXXX at XXXX who stated she could not pull up the account. I asked for a supervisor and was informed that the account was recalled in XXXX of XXXX. I never received contact from the collection agency nor was it reported with a new collection on any of my credit reports. I was referred back to XXXX XXXX because the account was recalled. When I returned the call I spoke with XXXX agent ID : XXXX and was hung up on after explaining my situation. I then spoke to XXXX XXXX ID : XXXX who confirmed XXXX notes and transferred me to a team lead. The team lead could not explain why I was never contacted by the collection agency or why it has not been replaced for collection after one year. I believe the lenders behavior violates section 807 # 14 of The Fair Debt Collection Practices Act which states The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

I believe that the lender and or new collection agency deliberately failed to update my credit report with the appropriate contact information to contact XXXX to resolve my debt which prevented me the opportunity from arranging a settlement agreement ; leaving only the option to pay in full through XXXX XXXX XXXX. I have yet to speak with any supervisors/managers regarding my issue and was told that they are unavailable on many occasions and that it will take 3 weeks for someone to call me back. I am filing this complaint to seek all remedies afforded to me under the Fair Credit Reporting Act as your department sees fit. My account number for XXXX is XXXX. Thank you in advance for your help in this matter.
Consumer complaint received 2021-05-26
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: Experian Information Solutions Inc. (TX)

I have been working on my credit since XX/XX/2021. I have not received not one update from either one of the credit bureau. My information is not reporting correctly and needs to be updated or I will have to file for litigation. I sent in letters that need to be updated or removed. Please update ASAP
Consumer complaint received 2021-05-25
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: Experian Information Solutions Inc. (TX)

Experian and XXXXhas continuously and falsely verified this alleged account. Both Experian and XXXX have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector ( portfolio recovery ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (MI)

United Wholesale Mortgage agreed to a mortgage with me. I put 15 % down. this will incur PMI. the property I am purchasing is a 2-unit house, I will be residing in one of the units. per XXXX XXXX, PMI for a 2-unit can be requested to be terminated when the loan is at 70 % of value of the property. AND no matter what the PMI should be terminated at the mid-point of the loan. 

United Wholesale mortgage is claiming that PMI is to stay on for the life of the loan. 

during closing NO disclosure for PMI was included ( which is against the law ) and now UMW is refusing to write a PMI disclosure form demonstrating that PMI will be terminated.
Consumer complaint received 2021-05-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XXXX  - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-05-26
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. (FL)

I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report.
Consumer complaint received 2021-05-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX Miscellaneous XX/XX/2019 TransUnion XXXX XXXX Miscellaneous XX/XX/2019 TransUnion XXXX XXXX XXXX XX/XX/2019 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2020-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good afternoon, I am writing to CFPB regarding my identity being stolen and used to obtain credit without my authorization and now I have been stuck with the bill and my credit taking a hit. Please if there is anything you can do to help me remove these fraudulent accounts tarnishing my credit profile I would greatly appreciate your assistance in this matter. I have tried with the credit bureaus and debt settlement companies as they have said they can help and have gotten nowhere. I have heard that cfpb actually gets the job done. Thanks in advance.
Consumer complaint received 2021-05-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

XXXX  Tenant  Screeners XX/XX/2019 Experian XXXX XXXX XXXX Tenant  Screeners  XX/XX/2019 Experian XXXX XXXX XXXX XXXX XX/XX/2019 Experian XXXX Credit Card - Finance Company XX/XX/2019 Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/2019 Experian XXXX XXXX XXXX XXXX - Mortgage Loans XX/XX/2019 Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2023-06-30
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. (LA)

In accordance with the fair act credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.