davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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: CCS Financial Services, Inc. (IN)

In XXXX XXXX XXXX I attempted to become a customer of XXXX XXXX After speaking to them over the phone and setting up an account they were supposed to send me XXXX cards to activate my service. I never received said XXXX cards or used their service. Fast forward to XXXX XXXX XXXX I received a collections stating I owed XXXX mobile money. I called the collection company ( credit collection services ) immediately to dispute and request supporting information. They informed me I had to speak with XXXX. I then called XXXX and they said yes I shouldnt have been charged and said theyd credit the account. I requested documentation to give the collection company which they said theyd email but I never received. Come XXXX I get another letter stating I still owe money but its {$100.00} less now. I call collections again and tell them what XXXX agreed to and asked them to get an update on my account. They informed me that I have to speak with XXXX again. I proceed to call XXXX and they once again tell me that the account is taken care of and it shouldnt impact my credit. Im at a loss on how to handle this and do not feel I should have to pay for an attorney due to a mistake and lack of communication between two companies. In the process of all this I now have a collection on my credit when Ive always had impeccable credit which is impacting my ability to start a business, causing emotional distress, and defaming my character.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (IA)

The following credit inquiries currently listed on my XXXX XXXX, XXXX, and Equifax credit report are unauthorized and not my credit inquiries : XXXX XXXX  XXXX XXXX XXXX XX/XX/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 2020-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For the travel rewards credit card on my account, there was a single instance where payment was delayed by 30 days from the due date. This was for a total bill of {$130.00} and this was the first such delay in over 10 years of holding an account with BoFA ( or any other creditor ). 

The reason for the delay was due to 3 different reasons 1. My dad 's deteriorating health followed by his eventual passing in XXXX. This meant I had to spend a significant time out of the country tending to his health issues for well over a month 2. The lack of a clear and obvious way to set up autopay on any bank of america credit card. 

3. The lack of alerting that let customers like me know that a payment was due or close to being 30 days overdue. 

As a result of this, I was both penalized by BofA and a 30 day delay of payment was reported to my credit reporting agency. When I contacted BoFA and explained this situation inXX/XX/2020,  the customer service person both understood the issue and expressly assured that an exception would be made and that the ding on the credit report will be removed as a one time courtesy. 

In early XXXX, I was informed by a letter that the ding will NOT be removed. 

Since late XXXX, I've been trying to reach customer service without success because of extended wait times. 

Going through the traumatic experience of my dad 's passing has been strenuous enough. It's incredibly disappointing to see Bofa treat a long-term loyal preferred gold/platinum customer in this manner.
Consumer complaint received 2023-02-11
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. (NJ)

I am a victim of identity theft and did not make these charges. I would like to ask that the items be removed to correct my credit report. 
I reported the information of identity theft to the Federal Trade Commission and I have also provided copies of the Federal Trade Commissions Identity Theft Affidavit. Please remove these items.
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/year> I applied for a Bank of America credit card. Bank of America claimed that the application process will be a soft pulled. I subsequently found out that it was a hard inquiry. This was blatantly false advertisement with Bank of America causing a hard inquiry on my credit report. Im requesting that this hard inquiry be removed off my credit report.
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (AR)

On XXXX this company was in receipt of a letter or request to rescind the agreement under the truth in lending act for failing to comply with the consumers request, misrepresentation, fraud, and breach of a legally unenforceable agreement with tracking number XXXX. This company continues to blatantly disregard the issues contained in the letter and breach a fiduciary duty. The agreement lacked consideration therefore making it legally unenforceable under Arkansas AMI 2402 Contract Formation, Arkansas Code 4-88-107 ) Engaging in any other unconscionable, false, or deceptive act or practice in business, commerce, ( this company was informed the credit extended or granted was provided by the consumer social security card or number, which was misrepresented on the agreement. This company is also engaging in unjust enrichment assessing interest fees on money, credit, that was never loaned due to fractional reserve lending preserved by all banks constituting all banks only create money and obligations. Therefore the consumer only pledged the legally unenforceable agreement and this company should be held liable for their actions.
Consumer complaint received 2020-06-14
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: EQUIFAX, INC. (NY)

I've sent letters out certified over 60 days ago and have not been notified. as a consumer i feel like these predators are taking advantage of normal people
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX, Experian and XXXX do not reflect the latest information on my mortgage account with XXXX. All three reflect the last update as of XX/XX/2020.update mortgage account information.
Consumer complaint received 2020-04-14
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. (FL)

Equifax, XXXX  and XXXX  do not reflect the latest information on my mortgage account with XXXX. All three reflect the last update as of XX/XX/2020.update mortgage account information.
Consumer complaint received 2024-02-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP (OH)

I am writing as a XXXX person of XXXX, who has been a loyal and diligent customer of the XXXX brand for nearly a decade. Despite an impeccable credit score of over 800 and a history of absolutely flawless financial conduct, I am compelled to address a deeply concerning issue that has arisen from my most recent leasing experience with XXXX XXXX and XXXX XXXX facilitated by your sales representative, XXXX XXXX XXXX 

My recent lease agreement, executed on XX/XX/XXXX, has not only subjected me to what I perceive as an adverse action but has also illuminated potential discriminatory practices in violation of the Equal Credit Opportunity Act ( ECOA ) and its implementation through Regulation B. Despite my exceptional credit history, I was presented with what I understand to be an atrocious money factor that resulted in an APR of approximately 10.8 %. When queried, XXXX XXXX informed me that this rate was set by XXXX and was immutable a statement that subsequent revelations have shown to be misleading at best. 

This practice of marking up the money factor, without clear and transparent reasoning, particularly in light of my impeccable creditworthiness and without regard to my longstanding loyalty to your brand, suggests a blatant disregard for the fair lending principles outlined in the ECOA and Regulation B. Furthermore, the absence of a legitimate rationale for this discrepancy, coupled with the misleading information provided by your representative, XXXX XXXX, raises serious questions about the integrity of your leasing process and the equitable treatment of customers, especially those of minority backgrounds. 

The implications of these actions extend beyond my individual case. They suggest a pattern of behavior that may affect other consumers of XXXX, potentially reflecting systemic issues within your organization 's approach to customer relations and compliance with federal lending laws. 

Therefore, I am requesting a thorough investigation into my current lease terms, specifically the determination of the money factor and its compliance with ECOA and Regulation B. Additionally, I urge you to review my previous leases for a XXXX XXXX  and a XXXXXXXX XXXX, both obtained through XXXX XXXX, where similar assertions regarding the non-negotiability of the money factor were made. This review should not only seek to rectify any injustices I may have faced but also ensure such practices are corrected moving forward to uphold the principles of fairness and equality. 

Your immediate attention to this matter is not only in the interest of rectifying a potentially unjust situation but also in reaffirming your commitment to ethical business practices and the legal obligations you hold under federal law. 

I await your prompt and comprehensive response.
Consumer complaint received 2020-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP (GA)

The mortgage company First Guaranty Mortgage Corporation dba goodmortgage ( NMLS ID 2917 ) representative name XXXX XXXX reach out to me and my husband in XXXX regarding refinancing our current mortgage that we have. When I spoke to him he said they go our information from our mortgage company to see if we wanted to refinancing with a lower rate and payment. I contacted our mortgage company and they said yes it was legit. I asked XXXX would there be any closing cost or any fees associated with this loan he said no we would have to pay for the appraisal to see if the value of the home. He said it would only take a month to do. Well a month came and went. Once he transferred the loan to XXXX XXXX she came back saying she couldn't verify my husband employment I gave her FOUR contacts so she could verify. She kept coming back saying she couldn't verify. Then she came back with something else regarding a foreclosure that was included in Bankruptcy and discharged back in 2013. Now they are saying because of that they can't proceed with the loan.
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

On XXXX I sent a check to XXXX XXXX XXXX in the amount of {$3000.00} ( XXXX XXXX and no cts. ) to pay for the charges and to have some credit in my account for future charges since I was going in a long trip abroad. 
When I came back to the XXXX ( by the end of XXXX ) I get a statement that showed that the Company collected only {$30.00} instead of {$3000.00} and therefore my account started to be penalized with interest for being late on my payment. 
I called customer service of my credit card and explained that the Company made a mistake and those interest charges should be removed. They told me that they were going to open a dispute and that I should send a copy of the check to an address I was given. 
I went to XXXX where I have my checking account to request a copy of the check and I was told that the payment of that check was electronically, therefore the bank was not in possession of the physical check and that XXXX XXXX XXXX should have it. 
Fortunately, I kept a carbon copy of the check in my checkbook so I sent a letter with a picture of the carbon copy. In that letter I also offer to pay {$2900.00} they never collected provided all interest would be removed from my account. The Company never responded the dispute so they continue sending me statements with interest I do not owe. 
I do need someone at some federal agency to help solve this issue. 
Thank you so much for your help.
Consumer complaint received 2020-06-14
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. (WI)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MD)

I contacted Synchrony Bank regarding the absurd interest rate of 29.99 % currently being billed to my account. I have had this account for a few years now and this rate is insanely high. Their response to my request was that the rate was " non-negotiable '' based on their " system ''. I requested to speak to their underwriting department as this seems very out of place that an APR reduction can not be considered at all, especially given the current circumstances related to COVID-19. 

I feel this to be unfair treatment and borderline abusive that this is non-negotiable, as the account manager could not inform me as to what specifically is driving the system to deem this non-negotiable. 

This was an extremely negative experience and an interest rate of this amount is usury.
Consumer complaint received 2020-06-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (IL)

{$5000.00} Forgiveable Silent Loan. I was suppose to receive the {$5000.00} refund after living at this address for 10 years ( lived here since XX/XX/XXXX. ) I was instructed to pay off the silent loan so I could refinance with a different mortgage company. The balance of the Silent Loan was paid in full by me on XX/XX/XXXX. 

Original FHA loan was with XXXX. 
XXXX sold the loan to Midland Mortgage Company The remaining of the Silent loan was submitted to Midland on XX/XX/XXXX. XXXX later folded ( out of business ). I am unable to contact Midland Mortgage Company as I am not an active Mortgage holder with that company. 

I was informed by Consumer.gov/complaint that Midland is responsible for repaying me. 

Original loan date was XX/XX/XXXX with XXXX.
Consumer complaint received 2020-04-14
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. (AR)

It has been over 30 days since my initial dispute that was sent to XXXX, XXXX, and Experian in regards to several accounts reporting on my credit file that were from the direct result of identity theft. I completed and submitted and Identity theft report as per instructed by local law enforcement which included accounts XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX  # XXX. Under the Fair Credit Reporting Act section 605b states not only these accounts should be blocked but also removed if accurate verification is not provided per sections 609 & 611. I have yet to receive any correspondence whatsoever from neither XXXX, XXXX, or Experian so therefore considering the multiple violations being committed only can equate to the fraudulent accounts being removed from my credit file immediately to avoid litigation. These actions are totally unacceptable and violate my consumer rights as well as the FCRA. In addition fraudulent addresses XXXX XXXX XXXX and XXXX XXXX XXXX and inquiries remain on my credit file after I've specifically requested them to be removed. A copy of my drivers license, social security card, and a utility bill was included with dispute to prevent any vague or bogus reponse from the credit bureaus and yet I HAVEN'T received anything at all. My next step is to contact the attorney general a seek litigation if this matter is not resolved.
Consumer complaint received 2024-04-01
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. (FL)

XXXX XXXX XXXX XXXX XXXX were hacked by a person who had stolen my tablet giving the predator the ability to access my accounts by causing the account to overdraft and then using fraudulent checks to obtain fraudulent transaction. 

This is the last time I am going to report this fraud and lack of accountability for the theft against my account and my credit report.

I have sent Police Department Reports and filed multiple reports with the FTC.

This is a violation of the law and the fact that they are not responsible individuals whose actions have shown they are morally wrong to do anything harmful to their customers.

This violates the law of the FCRA 605 B
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely.
Consumer complaint received 2023-03-10
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)

In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXX  & Account number ( XXXX ) : XXXX, XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX Account number : 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 2020-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NJ)

Since XX/XX/XXXX, I have sent more than 20 emails to PayPal, but no one has ever given me a reasonable explanation, which is why I am appealing to CFPB for help. 
On XX/XX/XXXX, I purchased a product with a value of USD XXXX through PayPal ( I paid with MasterCard dual-currency credit card ), which was converted to CNY XXXX, the currency conversion rate is equivalent to XXXX. ( Please see Annex 1 ) But the currency conversion rate of the day I contacted my issuer was XXXX, so it should be XXXX CNY. So PayPal charged an additional me CNY XXXX, which is equivalent to USD XXXX. 
In the process of communication with PayPal customer service personnel, customer service representative XXXX XXXX informed that the reason was that PayPal would charge an additional 2.5 % currency conversion fee, which would be XXXX % = $ XXXXThis obviously is not true because it is inconsistent with the actual amount collected which was USD XXXX. ( Please see Annex 2. ) Another customer service rep, XXXX, said in the payment interface there would be an option to choose PayPal currency conversion rate or issuer currency conversion rate ( Please see Annex 3. ) But this option wasnt available ( Please see Annex 4. ) A PayPal representation, XXXX, explained that if you didn't manually change the exchange rate selection, PayPal would automatically choose its own exchange rate ( Currency conversion rate of XXXX ) .Because the exchange rate selection option wasnt available PayPal forces the customer to choose PayPal exchange rate instead of the customer 's own manual exchange rate ( Currency conversion rate  of XXXX ) choice. ( Please see Annex 5. ) Here 's more about the bill : XXXX Your PayPal accounts email XXXX XXXX Transaction ID : XXXX * XXXX * payment amount : XXXX CNY = {$1800.00} USD * email address the payment was sent to : XXXX XXXX
Consumer complaint received 2020-04-14
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: Rocket Mortgage, LLC (FL)

On XX/XX/XXXX I reached out to Quicken loans because they kept calling me many times a week regarding refinancing my loan. I spoke to hey nice gentleman named XXXX who informed me he would take me off the list and that there was no need for me to refinance right now anyway since I was at a good rate and paying it off quickly. 

Soliciting Calls continued. So I called them back I spoke to a man named XXXX XXXX who gave me a big sales pitch on how I should refinance and why. I told him I suppose I could have more information if he would send it to me in an email. He said no problem and took down my email address and gave me a sales pitch on how much money would save me. He tried to get me to sign forms online without reading them in person. I told him I wasnt willing to do that and he needed to send them to me by email. He agreed. He was very pushy. 

I received the email and just as I did I also received a notification from XXXX XXXX that my credit score had a hard-hit. I absolutely did not give his permission for a hard credit hit. I am in the process of purchasing another home as a cabin and this could hurt me. I would like this removed from my credit report but XXXX XXXX tells me he does not have the power to do that though he is sorry that he pulled it without my permission.