davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NY)

On XXXX of last year, XXXX I informed Ally bank that I was disputing a XXXX  charge of {$59.00} because the food made me XXXX XXXX XXXX XXXX. The process was frustrating, stressful, and induced XXXX XXXX XXXX in response. 

I told them that XXXX could not do anything about a refund after 2 months. But it went in XXXX XXXX  and out the other. I sent them screenshots of emails from XXXX telling telling me that there was nothing that could be done because after 60 days, they are unable to issue refunds. Ally bank insisted on an investigation that would take 90 days starting on XX/XX/XXXX and it finished apparently three days before XX/XX/XXXX. Saying that the transaction was valid. It's been constant in going back and forth between Ally to XXXX XXXX, from XXXX to Ally bank. I'm tired of being treated as if I'm the XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX on the way to the XXXX XXXX XXXX I'm having them reopen this again because I do not accept their decision. Even XXXX said in an email that it should just be refunded, but apparently they want to hear that from XXXX and I keep telling them XXXX can't do refunds after 60 days. 

Ally Bank was the worst mistake I went with. And I am hoping that you guys or even the NY AG can help get my money back as I've done everything possible, filled out their forms, sent it back through Ally secure message but their delay was the reason why XXXX couldn't refund it and they won't even admit that it was their ( Ally 's ) delay that screwed me over. I have experienced nothing but excessive stress, XXXX XXXX XXXX, pounding in my head from dealing with Ally 90 % through the chat function than over the phone. I went with the Chat option because I wanted transcripts of what they said. But I'm done with Ally. I'm done with their drama, their politics, their gaslighting, their placating, I've had enough. 

I still have all of the emails I have from XXXX and then the received messages from Ally that I can screen shot. When I told them I was going to contact the CFPB and the NY AG, I got the strongest sensation that they thought I was XXXX.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-11-24
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX ; Account # XXXX has violated my rights as a consumer. 

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states that as a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NY)

Formal Complaint Regarding Unethical Conduct by XXXX XXXX Resulting in Loss of Credits and Accumulation of Student Loan Debt Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX, pertaining to a distressing and unethical situation regarding my student loans and academic credits. The incident took place during my enrollment at XXXX XXXX, and the subsequent ramifications have left me in a highly unfavorable financial and academic predicament. 

I attended XXXX XXXX  and relied on student loans to finance my education. Regrettably, all the funds disbursed through these loans were utilized by the university, and when I transferred to a new institution, I was not granted the academic credits I deserved for the time I spent at XXXX XXXX. Despite completing coursework that should have amounted to 30 credits, I received zero credits from XXXX XXXX. 

This unethical conduct on the part of XXXX XXXX  has had far-reaching consequences on my academic progress and financial well-being. I am burdened with a significant amount of student loan debt, yet I have nothing to show for it in terms of academic credits or a meaningful education from the institution. 

I am seeking your assistance in addressing this issue and requesting a thorough investigation into the conduct of XXXX XXXX. I urge the Consumer Financial Protection Bureau to : Investigate the financial practices of XXXX XXXX  and the misappropriation of the student loan funds meant for educational expenses. 

Investigate the unjust denial of academic credits earned during my enrollment at XXXX XXXX. 

Advocate for appropriate compensation, credit transfer, or debt relief that aligns with the academic credits I rightfully earned. 

I have attached all relevant documents, including loan disbursement records, academic transcripts, and any communication with XXXX XXXX  that may assist in your investigation. 

I kindly request that you keep me informed of the progress of this investigation and the steps being taken to rectify this situation. Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance in resolving this distressing issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

There are multiple accounts on my credit report that are either inaccurate or just all and all not my account. I have filed and submitted police reports stating that these account were either fraudulently opened by someone else in my name or the dates and amounts are inaccurate. Here below are the account holders along with dates and amounts that are inaccurate which I have tried to resolve with said supporting facts and reports. ' {$2000.00}, {$1100.00}, {$610.00}, {$410.00}, {$1700.00}, {$340.00}, {$390.00}, {$240.00}, {$410.00}, {$610.00}, {$770.00}, {$300.00}, {$8700.00}, {$780.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

ALL of the accounts that have been constantly negatively effecting my credit are inaccurate. I have disputing with the original creditors as well as collection agency. I have also disputed with XXXX, XXXX, and XXXX. I have provided supporting documents such as police reports and proof that these are not mine, yet they are still negatively reporting. These need to be taken care of as this is putting me in a financial hardship.
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

I tried reporting my credit card as stolen in the year of XXXX because of unauthorized charges that were located in my account. Also disputed with XXXX and nothing was resolved. 
On XX/XX/XXXX of XXXX I noticed that there was a fee of XXXX and there was no purchase made by me at the time, I paid it off on XX/XX/XXXX of XXXX. 
On XX/XX/XXXX and XX/XX/XXXX of XXXX there was an unrecognized charge on my account and I was charged a {$40.00} late fee in XXXX and XXXX. 
Then in XXXX of XXXX is when I noticed my card was lost and that made me realize that those were unauthorized charges located on my account. 
I dont remember the exact date or month but I did attempt to report my card as stolen on the Chase app but nothing happened and I also disputed with XXXX and nothing happened as well and I was steady getting charged late fees until my account was closed. 
Then in XXXX of XXXX it hit my account as a charge off.
Consumer complaint received 2023-07-17
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. (FL)

On XX/XX/2023, I sent XXXXXXXX XXXX XXXX XXXXXXXX XXXX a letter requesting a copy of a XXXX XXXX because they have claimed i owed a debt that was charged off. I received no response. 
On XX/XX/2023, I sent XXXX another letter, expressing my right as a consumer to opt out of my private information being shared with a non affiliated third party. 

I also disputed this with the credit bureaus to no avail. 

To date XXXX has not responded to any of my mailings despite me sending then certified return receipt.
Consumer complaint received 2023-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Hello and good afternoon my name is XXXX XXXX on XX/XX/ i reported to the bank citizen that were 33 transaction that i didnt recognized however they make a claim report with case number XXXX. I received a letter from the fraud department that they are going to closed my account on XX/XX/. They just want my account to be close because they dont want to be liable for the fraudalent transaction that were made. I did not make this transaction period.. i havent recieved no credit for this 33 transaction.. i hope you guys help me resolve this issue otherwise i will sue the bank for stealing my money.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

On numerous occasions throughout the years, I have reached out to XXXX XXXX XXXXXXXX to understand my loan program as well as how interest accrues and was never provided with the correct information or put on the correct program. My loans continued to accrue interest when i was told that they would not. My balance increased on the back end even though i qualified for XXXX or minimal payment based on employment status and income. I complained to them numerous times but no action was taken. I filed a complaint here against them and i was told that i need to take it up with MOHELA who the loan has been transferred to.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have received two emails in the last 2 days from XXXX XXXX XXXX XXXX  that read, " thanks for applying for a chase credit card! ". I did not do this. I noticed hard inquiries on my transunion and XXXX report and immediately called them for a freeze on my accounts. I am visiting XXXX XXXX  today to retrieve any information possible. I did not apply for a card with XXXX, I did not consent to my information being available for someone else to be doing so on my behalf or impersonating myself. I would like XXXX to remove these inquiries from my reports, as well as investigate and punish anyone who would make a living off of other folks hard work. 

Please advise, XXXX XXXX
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (PA)

I signed up with XXXX ( Chase Bank ) through a referral offer from a business associate on XX/XX/23. The terms are of the offer are below. I met all of the requirements and I continue to get no response from XXXX when I inquired about the {$200.00} bonus. There phone number goes directly to voice mail suggest to contacting them through chat / email. It's been several weeks and I continue you to get no response. 

" To be eligible to receive the {$200.00} cashback, a user must successfully register to XXXX using the link above, and successfully complete their first payment of at least {$200.00} via XXXX XXXX, and such payment is not charged back or refunded. Eligible users will receive the cashback by bank deposit. XXXX reserves the right to end the promotion ahead of time or to make changes or additions to this promotion for any reason at any time. This promotion is available only to new users who have signed up to XXXX using the link above. XXXX reserves the right to withhold payment of rewards in case of fraud or abuse and subject to their Terms and Conditions. ''
Consumer complaint received 2023-10-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Data Mortgage Inc. (FL)

I am at the end of my rope with Essex Mortgage. As previously described in previous reports, I was in the middle of forbearance during the servicer switch. The new servicer has tried multiple times to change my loan terms without my written consent, and the reduced payment I have been making since XX/XX/XXXX has continued to be recognized as a partial payment. I never had a problem with that with the old servicer. My funds were applied correctly. On the phone, I have been told I owe {$1200.00} a month, not {$1200.00} a month, but I will not be paying this until I get this loan term in writing. They have told me over the phone I can pay the {$1200.00}, but they fail to follow through based on the statements I have been getting in the mail. I have been promised paperwork laying out these terms for months now, but I continue to receive a loan modification application -- which I do not need to fill out, since the company should have the proper documents from the old servicer. 

Additionally, Essex Mortgage has not been honoring my deferment terms set by the old servicer. They have been applying my payments to my past due balance -- which is not how my payments should be applied. Due to the fact that I have an FHA loan, I DO NOT owe the amount deferred during the months of XXXX XXXX to XX/XX/XXXX. My payments should continue being applied to my principal balance -- NOT my past due balance. Payments I have been making have been applied to XXXX XXXX, XXXX XXXX, etc., not the present time. I went under an FHA deferment plan ( verbally over the phone ) back in XXXX of XXXX with the old servicer, where the amount I owed went to the back of the loan at zero percent interest. The new servicer doesn't seem to understand this and continues to send me letters saying I owe the amount of $ XXXX XXXX XXXX XXXX I can not and will not pay this full amount due to the FHA terms. 

Essex Mortgage continues to push the legal threshold of what they should be doing as a mortgage servicer. I will continue to report them until someone looks into this properly.
Consumer complaint received 2022-12-09
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. (TN)

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 A LATE PAYMENT on XXXX XXXX # XXXX 15U.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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I had a solar panel loan with XXXX XXXX XXXX XXXX i defaulted on when my house went into foreclosure for aprox {$37000.00}. At some point they either sold it or have a company called XXXX XXXX XXXX is also reporting it but at a {$40000.00} balance with XXXX listed as original lender. This is double reporting from understanding it should be one or the other only reporting. Makes it look like i owe double what i do. This is on my XXXX credit report. its also prob on my XXXX and equifax too.
Consumer complaint received 2023-10-02
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. (NJ)

In accordance with the fair credit reporting act my rights have violated. 

15 U.S.C. 1681 A states I have a right to privacy.

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.
Consumer complaint received 2022-11-24
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. (FL)

Its showing this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) as open but it was part of Bankruptcy and should be closed and removed off my account. The see Court Petition attached below
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX do 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 2023-09-28
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Kohls charged two cards for the same amount. Last four digits of the card XXXX is the only card that should have got charged. Kohls charged the same amount to two different cards. I have called for months and have put two different disputes. Never did Kohls send me anything in the mail or emails about my disputes. Ive called for 6 months about this. Know one wants to fix there mistakes but instead report false information to XXXX  XXXX.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-06-21
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. (CO)

I have a Southwest Airlines Rapid Rewards credit card through Chase Bank. The " XXXX '' credit card that I have through Chase for Southwest Airlines gives me certain benefits every year. One of those benefits is four upgraded boardings. The way this works is that I purchase an upgraded boarding on the day of my flight and Chase immediately refunds the money I paid for the upgraded boarding ( the average upgraded boarding costs {$60.00} ). On XX/XX/ my flight from XXXX to XXXX was canceled by Southwest. I had purchased an upgraded boarding for that flight. Per Southwest Airlines policy, the upgraded boardings do not transfer if a flight is canceled. However, while I received my {$60.00} refund from Chase, Chase did not return the upgraded boarding itself. In my Chase Rapid Rewards account it is showing that I used the upgraded boarding on XX/XX/XXXX, when in fact I did not fly at all that day. I have spent the last four months calling Chase and Southwest multiple times to try and get help to reset the upgraded boarding tracking. Chase is unwilling to give me my upgraded boarding credit back, even though that is part of the contract of the Rapid Rewards credit card. I use all four of my upgraded boarding credits every year, so Chase is taking away one of those that I would have used. I pay a higher membership fee for the XXXX card from Chase to get this benefit. They have made no attempts to make it right in any way, and in fact, I get the run-around from Chase. They tell me it's not their issue, but Southwest Airlines. However, Southwest Airlines does not track the usage of the upgraded boardings, only Chase. I have escalated this matter and still no one even attempts to reverse the upgraded boarding credit in my account. Chase is telling me that since I got my money back, they won't do anything else. However, the four upgraded boardings is part of the agreement/contract with Chase for the use of this card, so Chase is violating its contract with me by not returning the upgraded boarding. 

Right now my Chase Rapid Rewards account shows that I have used two of my four upgraded boardings for the year. However, I have only used one of those two, since Chase is refusing to credit back the one for the flight that was canceled. 

I would appreciate any assistance in trying to make this right. Thank you.