davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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. (NY)

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX XXXX ACCT # 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.
Consumer complaint received 2023-02-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (MD)

Hello, I had a hardship, and had fell behind on my mortgage payments. I was approved for the Maryland XXXX XXXX, and they have submitted funds to my mortgage company on XX/XX/2022, and the mortgage company has yet to say they received the funds or applied to the account. I have been working with a housing counselor as well, provided proof to the mortgage provider of the payment from Maryland XXXX. 
It has been over a month, and it should only take XXXX days to process, and I need to know if I need to make my mortgage payment for XXXX or not. 
I have called almost everyday, and they say they see I was approved and working on the funds and have not received them yet.
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

I got scammed on XXXX. Realized it was a scam when I sent confirmation immediately and seller ask for confirmation. I called Wells Fargo immediately to flag the funds since they did not notice yet. Wells Fargo will not reimburse me.
Consumer complaint received 2023-09-12
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. (MO)

Contacted XXXXXXXX XXXX XXXX XXXX on XX/XX/23 ( on a recorded call ) and advised them never received anything about this debt in which I DO NOT owe. I asked if I could be provided the same letter dated showing proof they sent it to me. They refused to provided that. I also asked for more information in regards to the debt about the store and they could not provide me with that and I need that information to file a report. This company has been illegally trying to collect a debt from me and refused to investigate my claims. Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1b 2. Company has also No permission to report ANYTHING using my info pursuant to 15usc 1681.
Consumer complaint received 2023-08-08
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. (ID)

I opened a Chase XXXX XXXX credit card on XX/XX/XXXX. I signed up for the card with marketing received at my home. The rewards offer was for XXXX points if you spent {$3000.00} within the first 3 months. I did spend the required {$3000.00} in the first three months and I only received XXXX points. I called today, XX/XX/XXXX and disputed the reward shortfall. Chase could not find the offer I was referring to or suggested that it was a business offer, not a personal offer. They refused to do anything to make the transaction right. XXXX points is a big deal. I put a lot of effort into choosing the right card/reward program. This is feels like a bait and switch scam. Promising one thing and delivering another is absolutely fraud.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found a number of mistakes on my credit report and I contacted TransUnion in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Auto Loans {$6200.00} The vehicle in question was total loss. The XXXX auto insurance along with the additional Gap insurance was supposed to cover the entire total loss bill for my vehicle, but this amount is still showing as a debt on my credit report, causing a continuous drop in my credit score.
Consumer complaint received 2023-04-14
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. (TN)

I sent a letter on XX/XX/XXXX, to delete these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the Bureaus letters are sent. Ive already included this in my previous complaint & I am including it again. The items are listed below : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, MI XXXX, XXXX XXXX Balance : {$25000.00}, XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

A dispute against the company XXXX for a collection for {$240.00} was started XX/XX/XXXX. The  company reported to the bureaus to delete the collection from my reports XX/XX/XXXX. XXXX was updated showing as deleted. Originally filed a complaint with the BBB after 50 days from the original dispute, they stated that Equifax has 0-90 days to delete the collection from my reports. Making XX/XX/XXXX 90 days. My XXXX XXXX was updated this morning, showing that collection has not been deleted.
Consumer complaint received 2023-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

To Whom It May Concern : On XXXX XXXX XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Starting MSRP was {$28000.00} online but I ended up financing a {$46000.00} loan payment. I also provided a down payment for this vehicle. After doing some research, and properly reading through this contract, I discovered that there are some violations that I was not aware of before signing any documents. In addition, I never had an opportunity to read through this contract at the dealership. I was told to sign my signature electronically once on an XXXX, the XXXX XXXX for XXXX explained to me " what I was signing is a disclosure for them not to be able to release my personal information ''. Which it was not, Therefore I demand to revoke my signature from this contract. Also I demand The XXXX XXXX XXXX and I demand this Debt to be Validated. 
Under the XXXX XXXX XXXX XXXX XXXX - I move to exercise my right to rescind this contract. Due to improper clarification of charges. 
Under 15 U.S. Code {$1600.00} - Determination of finance charge - It states the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a combarable cash transaction This Contract was not a Consumer Credit Transaction - Sum of all charges was not included - A down payment was issued - Signature was falsified on other documents that was not disclosed to me **Please see the Additional documents provided, with violations Circled** {$640.00} is a XXXX XXXX term is {$46000.00} but on my statement it display that the payoff amount is {$36000.00}. What is the extra {$11000.00} going towards? 

In accordance with the XXXX Fair Debt Collection Practices Act, 15 USC 1692, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. 
I will work directly with the alleged original creditor XXXX XXXX XXXX and Consumer Financial Protection Bureau to ensure the best possible outcome to resolve this matter, as warranted. Please take note that I am declining any attempts by or any other collection agency with regards to this Matter.
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I was attempting to apply for the Marriott Bonvoy Brilliant card from American Express on XX/XX/23. During my application it informed me that I would not be eligible for the sign up bonus. I reached out to American Express on XX/XX/23 to see what the problem was. They listed a number of things that " could '' be the problem but none of them seemed to apply to my situation. They informed me they have no way of knowing why a denial happens and it almost seems random to them. 

After speaking with American Express I thanked the representative for their time, assured them I did not hold them at fault for the policies of their company and mentioned I would be submitting a complaint to the NY AG based on what seemed to be a discriminatory policy. They seemed concerned and mentioned they could help me submit a complaint to American Express to have someone higher review it. After a minute or so on hold the line was disconnected. 

I will be submitting the complaint again in writing as there is now some concern on my end that the representative was not able to forward the details to a higher level as discussed. 

The lack of clear reason for approval or denial seems like a discriminatory practice. The XXXX may not specifically require this for a welcome offer but its spirit definitely implies any reason for denial of any product, service, or promotion by American Express should have clear and unambiguous rationale behind it to confirm the policy is not discriminatory.
Consumer complaint received 2019-07-07
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. (VA)

I have contacted the companies and the Transunion in reference to 2 hard inquires reporting on my credit report that I did not authorize or request credit from. They are as follows : XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am a natural person. I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681 and they violated my rights. I demand the accounts below be removed immediately According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Moreover items were reported fraudulently and inaccurately and in accordance with the Fair Credit Reporting Act all items must be 100 % accurate when reporting and accounts reported are not 100 % therefore I demand for All 3 accounts get deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX also called XXXX XXXX to remove all reported items XXXX Account number XXXX Equifax Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX I dont have any installment loan with XXXX  XXXX XXXX  XXXX XXXX and I never signed or authorized any installment loan with XXXX XXXX XXXX XXXX  XXXX XXXX I never written any checks from XXXXXXXX XXXX XXXX XXXX XXXXXXXX The furnisher XXXX ( XXXX XXXX ) responded to prior CFPB report case number XXXX that the reporting was not made by them ; therefore, I can conclude the reporting is done fraudulently ( page 6 of 9 ) I gave Equifax a copy of the CFPB and they ignored my request to delete account I gave Equifax a copy of my FTC filing stating that the 3 accounts requested to be deleted are fraudulent. FTC report XXXX regarding identification theft Moreover all 3 accounts are inaccurate on all 3 credit files and 15 usc 1681 states credit files have to be 100 % accurate Equifax stated they did an investigation however all 3 credit files are still inaccurate I want all 3 accounts deleted immediately
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NE)

I have a public record of XXXX  XXXX bankruptcy on all three credit agencies that has been discharged for a little over 2 years. I would like to see that removed. 
Also I have XXXX XXXX  and credit acceptance that was on that XXXX  XXXX bankruptcy that's still on my report ( s ) I need taken off.
Consumer complaint received 2023-10-24
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. (TX)

I was notified that someone requested a Southwest credit card through Chase Bank, and it wasn't me. As soon as I found out, I notified the banks and credit bureaus. I was told that in order to get this resolved, I need to get a letter for you all and then send to the credit bureaus. Chase Bank has closed the account, and I will not be penalized for anything, but I will need this removed off of my credit ASAP. 

Thanks!
Consumer complaint received 2024-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I recently made a payment error to my Bank of America ( BofA ) mortgage account due to XXXX. I mistakenly paid from my old XXXX XXXX account instead of my new XXXX account. Upon realizing the error, I promptly notified BofA and made the payment over the phone, requesting that they make note of the situation. 

However, BofA is now refusing to accept electronic payments for the next year and insists on cashier 's checks to be overnighted for the next 12 payments. This poses a significant financial and logistical burden, especially given my current XXXX  issues. Despite offering to pay via wire or ACH transfer, BofA insists on cashier 's checks only. They will not accept in-person payment at a BofA branch XXXX Therefore, they are asking me to drive 2 hours away to my closest XXXX XXXX branch ( depending upon when the official transition of my particular account occurs ), then travel to a XXXX  or XXXX XXXX pay a {$120.00}. fee to overnight the check, and an additional unknown fee to insure it. I will somehow need to do this despite having a serious illness that prevents me from driving from time to time. BofA is telling me that I need to do this not one time, but each month for the next year. On top of this, they will be adding late fees, if something happens. 

While I acknowledge my mistake, I rectified it promptly and responsibly. It's not uncommon to overlook details when dealing with illness. BofA 's refusal to accommodate alternative payment methods, despite acknowledging my efforts to correct the error, is unreasonable. 

Moreover, my primary bank changed due to XXXX XXXX being acquired by XXXX, which should have been anticipated and considered by BofA. XXXX XXXX 's acquisition and the policy changes and account changes directly relates to the cause of my mistake. BofA has all of this information. BofA 's inflexibility creates unnecessary, expensive and unreasonable obstacles for me and likely others in similar situations. I urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and compel BofA to reconsider its stance, especially given the recorded call evidence of my proactive efforts to resolve the issue. I want all fees and indirect costs associated with this reimbursed.
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Complaints : PayPal XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Hello my PayPal account PayPal ( Ref ID - XXXX UNDER EMAIL ADDRESS XXXX has been limited with a balance of {$24.00} on XXXX and holding the amount illegally. Here is the business email that was sent to me. 

( We're unable to continue processing payments for this account We strive to provide our customers with seamless and user-friendly payments solutions. Unfortunately, sometimes we can't process activity for a variety of reasons, including local laws, our policies, or the policies of our partner banks and card networks. Based on the information we have today, it looks like customers were dissatisfied with activity from this business. What can I currently do with my account? Unfortunately, at this time most of your account features have been deactivated. We may hold any funds in your account for up to 120 day ( s ) to cover things like chargebacks or other financial liabilities. We'll review the account periodically to see if we can release any remaining funds sooner. We'll email you the outcome of each review. You can still view your transaction history, download account statements, or request copies of your data. ) I have no chargebacks or payment disputes on this account. Please release my remaining funds for this account as the amount is being held illegally, also XXXX cant unlink my credit card or bank information while PayPal has locked my account. 
Please correct this issue immediately. 

Thanks XXXX
Consumer complaint received 2015-04-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (VA)

Good Afternoon, I previously had XXXX loans with Sallie Mae. XXXX stafford loan for undergraduate study ( approx. {$1000.00} ) and XXXX XXXX degree smart loans ( approx $ XXXX ). Sallie Mae sold off my stafford loan to a company called XXXX. Back in XXXX 2015 I decided to consoldate the loans through XXXX XXXX and payoff the XXXX XXXX loan. After XXXX was paid in full, on XXXX XXXX 2015 my spouse intiated a wire transfer to pay off the XXXX Sallie Mae student loans using Sallie Mae provided information over the phone. Sallie Mae 's account information and address were confirmed and the wire transfer went through. 
A few days later it was discovered that I had a positive credit of {$13000.00} in my stafford loan with XXXX which was previously at a zero balance. I called Sallie Mae with XXXX XXXX on the line and they again confirmed that all information for the wire transfer was accurate, however, through an internal problem between the XXXX companies, XXXX received the funds. 
Sallie Mae is denying all responsibility and XXXX has refused to return the funds. I have been receiving threatening calls and emails from Sallie Mae demanding payment on a loan that was paid 2 months ago, and continue to incur late fees and interest on my account. I am in the process of disputing the loans with XXXX, XXXX, and XXXX. 
Sallie Mae continues to state that they have nothing to do with XXXX, however, my stafford loan has an identical account number to my smart loans and they use the same call center ; when I called Sallie Mae with a Senior XXXX XXXX representative we were transferred to XXXX. 
Any assistance would be much appreciated. I have documentation from XXXX XXXX with payoff information including Sallie Mae as the payee, Sallie Mae address, and trace number.
Consumer complaint received 2023-05-14
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act, XXXX account # 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 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-01-25
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 — Problem with personal statement of dispute
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

XXXX XXXX XXXX  went to collections for the amount of the reported balance of {$1900.00} from XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 6 0 2 states I have the right to privacy. 5 USC 1681, Section 6 0 4 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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.