davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

PLEASE REMOVE THESE INQUIRIES OFF MY CREDIT REPORT. i HAVE NO KNOWLEDGE OF THESE INQUIRIES. I'M A POTENTIAL CANDIDATE FOR FRAUD AND ID THEIF. REVIEW THE LISTED INQUIRIES BELOW : 10inquiries These lenders have accessed your credit file : XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

American Express cancelled all of my cards with them one day unexpectedly. With no reason why. When I apply for a new card, I recieve a generic denial : " We are writing to let you know that, unfortunately, we can not approve your request because we have determined that you have previously engaged in abuse, misuse or gaming in connection with one or more American Express accounts. '' I have no idea what this means. and have called the XXXX number several times to figure it out what terms of service I broke, no respresentitive can give me an answer.
Consumer complaint received 2024-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

I've tried to make several paymens via Nelnet that have been " returned '' or " failed to process '' over the last few months. I've reached out to my bank and they say on the initial attempts there has been no pending transaction or tries to receive the funds yet my payment fails costing me more in interest and potential credit score since my payments are now " late '' when I resubmit. The initial payment every month always goes into processing for 5+ days and then comes back returned. I reached out to Nelnet customer service and they say they have no record at all of these returned payments despite me receiving a notification every time they occur.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

My wife purchased six {$500.00} cards. She purchased them in pairs, with three purchases of {$1000.00} for each. We purchased these in XX/XX/2022. One set of two cards was to be a gift to my brother-in-law whos getting married, the other set of two cards was to be another gift to my daughter, who is getting married, and the third set of two were to be set aside as a savings tool. Three weeks ago, we attempted to use one of the cards that we had set aside as a savings tool, and found that it would not go through. I called vanilla gift cards directly after numerous times I was told conflicting information. Finally, after speaking to a manager, I was told that the situation would be escalated And that department that they were escalating it to could not be contacted directly by me. They could only be contacted by the customer service representative via email. I was told I would be called within 72 hours. I was not called. I called back and waited to talk to a manager who was that again said they were sending another email. According to vanilla cards, all six gift cards were discontinued because they were labeled as being fraudulent. They were purchased online and we have the purchase orders, and we have confirmed with our bank, XXXX XXXX, that the money did go through to vanilla carts. Because it has been longer than 90 days XXXX XXXX will not be able to help us. We have {$3000.00} that we want to get back because these cards will not be reactivated and vanilla gift cards is not getting back to us about refunding the money.
Consumer complaint received 2024-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (MI)

I have submitted my mortgage payments for XXXX, XXXX, and XXXX of XXXX. I have the dates and transaction numbers as well as bank statements to proof me paying the amounts. Nevertheless, the mortgage company still fails to apply my payments to my account and is in the process of defaulting my loan. They also have reported me to the credit bureaus. I am currently in the process of seeking legal advice as well. The payments for each of these months were double charged with one payment each month being successfully remitted. 

Please contact the loan servicer to bring my account current and to remove the late payments on my credit reports. 

Additionally, as of my last communication with this company 's call center a call center agent named XXXX with ID # XXXX was very unprofessional during his communication with me, he did not help answer any of my questions, was highly argumentative, and refused to transfer me to a manager on multiple occasions leaving me on hold for up to 20 minutes to force me to end the call without seeking the assistance of a manager. 

The payment dates and transaction numbers are as follows as indicated on the bank statements as well : 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
Consumer complaint received 2023-06-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX - I spoke with a few agents up to manager level named XXXX, XXXX, and I was told that the error with my credit score can not be fixed, and that I could not escalate it to be investigated. It is automatically populate it, and there is no adjustment that can be made. 
In XX/XX/XXXX it is showing a decline in my credit report of almost XXXX points. I pay a monthly monitoring subscription however, there was no notification sent in the month of XXXX and looking into my history there was no explanation of why it drop drastically. 
Due to not receiving an alert during the month of XXXX, I did not see this change until recently, and I began to contact Equifax. 
I started out with looking over all items on my credit report and all items look sufficient with no excessive usage or inquiries and all on time. I also contacted other reporting agencies such as XXXX XXXX and XXXX credit reporting and my score runs between XXXX and XXXX unlike Equifax report in at XXXX, dropping from XXXX in XX/XX/XXXX. I also open other credit cards and applied for a vehicle loan all of which do not show this credit score in the XXXX, which I see on my equifax.com website. Still not understanding why credit score showing in equifax is so low considering my diligent and prestige credit usage and maintaining. 
I am reaching out to you, all and efforts of an investigation of why the credit score in XXXX drop drastically, because I am unable to receive any assistance, contacting and speaking with representatives of Equifax. I was told that they can not discuss my credit score with me, and that I should talk with a credit advisor, which is not within Equifax. And speaking with a credit advisor, they say no just calls as to why my credit score dropped XXXX points in XXXX. I need a valid explanation and a correction to my score. Please advise.
Consumer complaint received 2023-03-06
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. (CA)

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 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. 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 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 instruction under 15 USCS 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.
Consumer complaint received 2024-04-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (IL)

I am struggling to pay my mortgage because I am saving every cent to pay the sale tax buyers that put their hands on my house ( rental property ) because an error from the XXXX XXXX. I have been sending checks to pay the tax for my rental property to XXXX XXXX then the county wrote the wrong Parcel number on the cashier checks. These checks have been going to the mortgage company for my residential property. Now after 5 months of phone calls and meetings with the county they were able to give me back just one check the other check was deposited escrow account and after many trials to reach my mortgage company they said that they cant give me back my money because they need it in my escrow account. Now I have to pay the sales tax buyers $ XXXX and I can not afford my mortgage now.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (PA)

Dear Consumer Financial Protection Bureau, I am writing to formally complain about the lack of proper dispute investigation by American Express and to express my dissatisfaction with the customer service provided by XXXX. These issues have not only caused significant inconvenience but also demonstrate a worrying lack of commitment to customer rights and service quality from both companies. 

XXXX XXXX XXXX ** I have engaged with American Express concerning a financial dispute, providing them with substantial evidence and numerous communications. Unfortunately, their response has been insufficient and dismissive, without the thorough investigation that such a dispute deserves. This negligence in handling my dispute appropriately is alarming and suggests a lack of adherence to expected consumer protection standards. 

XXXX XXXX XXXX Additionally, my attempts to resolve an issue with XXXX have been met with one-sided and unfriendly responses. I have reached out multiple times through various channels, including online chat, XXXX, and direct chat support, only to be informed that while I could file a complaint, there might be no follow-up or resolution guaranteed. This lack of professional communication and customer support is unacceptable and has compounded my frustrations. 

Case situation : My dispute against XXXX XXXX for an incident that occurred at XXXX XXXX XXXX on XX/XX/2024. The focus of this complaint is the unjust baggage charge and unprofessional behavior displayed by XXXX of XXXX 's ground staff members, XXXX. 

As a XXXX passenger, I am entitled to a specific baggage allowance ; however, XXXX insisted on charging me an additional {$180.00} for my luggage. Her response to my inquiry was disrespectful, stating, " You only paid such fare for XXXX, what else do you want? You need to pay for luggage. '' This statement was both dismissive and unhelpful. 

Moreover, XXXX falsely claimed that my luggage was overweight, despite the absence of any " heavy '' labels on my baggage tag. This arbitrary accusation was not only unfounded but also indicative of unprofessional conduct.
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

This bank has shut down my account and my childrens accounts beginning the evening of XX/XX/2020 for what they felt was fraudulent activity. I immediately called and informed them that the activity was my own and nothing fraudulent. They claim there was nothing they could do. It is now XX/XX/XXXX and my account is still locked out. I do not have access to any money whatsoever, creating a financial hardship for me. Their advocacy advisor XXXX XXXX does not return my calls. Their XXXX  team does not respond. The bank claims there is no way to reach their own fraud department to immediately turn my account back on. This is uncalled for and punitive to treat a customer this way.
Consumer complaint received 2023-03-06
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. (SC)

The unverified items indicated below reporting on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I'm looking forward that the disputed items will be corrected immediately. 
XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: RAM America, Inc (MO)

I got a check from Ram payment llc Relient file number 2022-CFPB-0003 for paid fees they didnt provide. The check is from XXXX  and Im just trying to get a new check so I can get my refund
Consumer complaint received 2024-04-19
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: JPMORGAN CHASE & CO. (IL)

My business account with Chase was reported late pay on my PERSONAL credit report. I have disputed this with XXXX, however the Business Account stays on my Personal report. 

Product : Chase Business credit card.
Consumer complaint received 2020-09-28
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. (MS)

ON XX/XX/2020, I SENT A LETTER TO EACH OF THE BUREAUS ( XXXX, EQUIFAX, AND XXXX ) DISPUTING THE INACCURATE AND INCOMPLETE ITEMS THAT THEY ARE REPORTING ON MY CREDIT REPORT AND HAVEN'T RECEIVE ANYTHING THUS FAR.I ALSO ATTACH COPIES OF THE LETTERS BELOW.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MD)

Withdrawal transactions from Goldman Sachs Apple savings to two established accounts that were working for similar transactions in early XX/XX/year> are now being declined XXXX days later. I was told this was some kind of technical issue, caused by possible trigger events like late credit card paymentsbut I have never been close to being late for any card payments. So for some vague reason, or no reason, the GS system suddenly requires additional account verification on GSs part ( not with me ) and that will take an unspecified amount of time to correct before I can transfer funds to my accounts that were available for identical transactions a few days earlier. No longer being able to withdraw funds to previously working accounts is apparently a commonly occurring technical issue requiring some kind of additional bank verification by GS.

Denial of access to savings account funds by declining withdrawals is a hardship, especially with verified accounts that were allowing identical transaction for months and as recently as days earlier. ( This is not an account setup and verification issuethat was completed months ago. ) If this is a common technical issue as the support agent suggested, it should be considered a major technical problem that needs prompt resolution.
Consumer complaint received 2023-02-08
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. (FL)

I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-03-06
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. (NV)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXBalance : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$4600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX