davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have repeatedly sent disputes about negative items on my credit report.Some items are over seven years old I do not recognize some of the negative items.In XX/XX/2022 after many online disputes i sent certified letters with copies of my identification along with letters being notorized requesting validation of all debts reported on my credit reports with the original signed by me copies of the agreements sent to me or to have these items immediatly removed from my credit reports.I have not received any responce from transunion, XXXX, or XXXX.The XXXX  account on my report shows to be past due and unpaid however if you check the accuracy you will find i pay them XXXX every week and can prove this.I also have been paying on that account for XXXX  years if you look at it.By XXXXXXXX XXXX on records i can prove i have paid XXXX in interest alone on that account.I am also a victim of XXXX  XXXX  letting a company called XXXX XXXX pull multiple hard credit pulls on me that were not authorized.I have disputed this many times with no results.My credit reports are not correct with multiple innaccuracies easily seen.I am wanting these incorrect items removed immediatly as it is hinduring my ability to live and function properly.Thank you
Consumer complaint received 2024-04-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (AZ)

Hi, My account was locked for XXXX  days for security reasons and because of this I couldn't just setup a regular external transfer but I had to do a wire transfer. Now I see that there was a {$15.00} incoming wire fee which dropped my new money of {$15000.00} to {$14000.00} ( making me the offer expire ). Can we rectify this as I called XXXX times for my account access but was ensured that I would get access in XXXX hours? 

Chase responded with they can not see if I am going get the {$600.00} but to just wait after XXXX days. I find it odd that my account was locked for XXXX days making me unable to setup a transfer in time for the promotion.
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

XX/XX/2023 preordered XXXX XXXX XXXX XXXX for {$1100.00} with Apple Card Financing for XXXX  Months at 0 % Interest XXXX  offer of trade in device XXXX XXXX XXXX XXXX get instant credit of {$580.00} to be deducted from price of {$1100.00} Received XXXX XXXX XXXX XXXX in XX/XX/2023, and sent back XXXX XXXX XXXX XXXX XX/XX/2023. 

XXXX  charged XX/XX/2023 {$580.00} trade in amount to my Apple Card on top of the financed amount because they havent processed the trade in yet. 

XX/XX/2023, get email from XXXX  saying thank you for your trade in. Any amount charged will be refunded. Never got a refund.

Price of {$580.00} has been on my Apple Card since XXXX + XXXX. XXXX months so far, going on XXXX with no resolution.
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (TN)

Dear CFPB, I've financed my XXXX  XXXX with Comenity Capital Bank, they gave me a card called Alphaeon Credit. 

On XX/XX/2024, I've paid my account balance in full with USD XXXX. After I've paid my balance and it's been confirmed on their website, I called in to close my account. The representative said he closed my account. However, I never got a confirmation for closing my account, instead, in XXXX, I got a statement saying I have a balance of USD XXXX ( with a previous balance of XXXXXXXX XXXX fee charged of XXXX ). 

So I called them again, telling them they charged me another balance and fee with a total amount of USD XXXX, based on a XXXX balance in XXXX, and after I called in to close my account. So I disputed this balance, and told them to close my account again, the representative said yes, she closed my account. But still, I never got a confirmation for closing my account, and I keep receiving statement of charges or transactions I never made since I already cut my card in XXXX after I paid the balance. 

I really need this bank to stop charging fees that I've never made, and CLOSE my account as it's affecting my credit scores. I will need a full confirmation saying my account is fully closed and I don't want to have anything to do with this bank ever again. 
Please help me if you can! Thank you so much! 

Best, XXXX
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TN)

On XX/XX/2023 I received funds from IRS to account that has been closed for over 6 months. Navy Federal Credit Union stated that account was closed over and over and that I could not deposit or no longer use account. Today XX/XX/2023 NFCU has allowed funds to deposit into a closed account without returning them to sender or giving me a heads up regarding funds sitting in the savings account which is closed also. They have stated to me via phone recording that they will not release funds and has not given me an alternative to get funds after requesting them to send funds to me. I am now playing the phone game with NFCU to try and contact someone to assist with this issue with no luck l.
Consumer complaint received 2024-02-06
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP (CA)

1- On XX/XX/ I received a letter from Kimball , Tireny & St. John LLP 2- Amount is {$14000.00} 3- Threatened that a negative credit report reflecting on my credit record may be submitted to credit reporting agency 4- I contacted them to provide me with vital information for more that 4 times, they never replied 5- I retained an attorney
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: American Credit Acceptance, LLC (AL)

I ask for them to remove hard inquires under to The XXXX XXXX, in XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2007 ) XXXX XXXX XXXX it decided that without a permissible purpose XXXX is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies. 
As the court interpreted and based on has been done in my case, XXXX clearly states that one only has a permissible purpose for obtaining a credit report under XXXX ( a ) ( XXXX ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE.
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

XXXX misapplied payment of {$1600.00} for XX/XX/XXXX error : statement shows XX/XX/XXXX on both XXXX & XXXX monthly mortgage statements correction : credit should be for XX/XX/XXXX XXXX XX/XX/XXXX was already applied on XX/XX/XXXX in the amount of {$1600.00} error : statement shows XX/XX/XXXX on both XXXX & XXXX monthly mortgage statements
Consumer complaint received 2022-10-17
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. (MD)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CA)

Upon checking my XXXX credit report I noticed my ( affirm-account # XXXX ) the balance has not been updated even though I just disputed it with XXXX credit reporting agency and they stated account is up to date. Even though I provided support documents to prove otherwise. I will upload documentation from affirm inc showing my new balance as I have began to pay them off and this account shows about XXXX late payments as well please fix account history thank you and balance as well!
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

Hi, I am making this complaint becasue I booked a round-trip flight on the American Express Travel website . The trip information is as follows : XX/XX/XXXX to XX/XX/XXXX from XXXX XXXX ( XXXX ) to XXXX, with XXXX XXXX. However, on XX/XX/XXXX, I missed my first flight. Consequently, I called the American Express Travel customer service line at XXXX XXXX on XX/XX/XXXX to seek assistance. I informed the agent about missing my first flight from XXXX to XXXX and asked for guidance on what I should do next. The agent promptly arranged a new one-way flight for me with XXXX XXXX and I had to pay for that new one way flight to XXXX XXXX XXXX And The she assured me that I could still use my returning flight when I arrived in XXXX. Unfortunately, she neglected to inform me about the necessary steps to retain my returning flight, which I had already paid for with XXXX XXXX. Instead, she only asked me to pay for the new one-way flight from XXXX to XXXX. Additionally, she failed to inform XXXX XXXX about my change in plans, resulting in the cancellation of my returning flight.It 's imperative that I receive a refund because the American Express Travel agent did not fulfill her responsibilities properly when I missed my flight, which I had booked through their service.
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Upon reviewing my updates, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Consumer complaint received 2023-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist bank is saying I have an account with them and i do not! it looks like the account was actually opened up with light stream in 2020. I asked them to send me a copy of the contract which they did and the signature of both me and my husband that they have recorded are not ours. I do not recognize this account. This is not my account, we never opened up this account we never used the funds. The account is negatively reporting on our credit. I have told the company several times we do not recognize this account. Its fraud. They continue to ignore us. I would like this closed and remove from our report since it is not ours.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MN)

I recently applied for a Discover credit card. Application Number : XXXX. I received a letter from Discover stating, we reviewed your application we unfortunately could not approve your request due to the following : Status of Existing/Prior Discover Card Account. I have been receiving the same response from Discover since I filed for bankruptcy on XX/XX/XXXX. All of my prior Discover credit card accounts was discharged under XXXX  XXXX bankruptcy in the United States District Court District of Minnesota Bankruptcy Court on XX/XX/XXXX. Discover is continually denying me an opportunity to obtain credit due to my prior Discover credit accounts that was discharged in bankruptcy court. Discover is discriminating against me by denying me an opportunity to obtain credit due to prior Discover accounts being discharged in bankruptcy court. Discover is violating the Equal Credit Opportunity Act ( ECOA ) under federal law. I want to get a Discover Secured Credit Card to rebuild my credit. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2022-10-17
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. (NJ)

Upon reviewing my updates, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Consumer complaint received 2023-02-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My first letters to the credit bureaus regarding this account were in XXXX XXXX and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.
Consumer complaint received 2022-10-17
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. (NY)

I wrote to the bureaus about my late payment with XXXX, I gotten that resolved, I called and emailed them, it came back verified but I know that was not possible because according to 15 usc 1666b it states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This is a violation I sent them an invoice for the violations, instead what they did is delete the whole account. 


As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o.
Consumer complaint received 2019-11-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (UT)

During the time my loan was scheduled for repayment in XXXX I was having to defer my payments. The problem came when the state of Utah ORS ( office of recovery ) was coming at me for XXXX XXXX   When asked to submit my bills to adjust the amount to be payed, they would reject my student loan as a legitimate bill. I spoke with my lender Great Lakes borrowing service and they said that ORS cant do that because it is a federally backed student loan, I replied I KNOW. Great Lakes says that I will have to put them in deferment. After they set the rate of XXXX XXXX I was able to find a higher paying job and once again they raised my XXXX XXXX  and again excluded the student loan as a bill I had to pay. I asked ORS why  this was and the replied : most men do not pay it when allowed as a bill so policy says that it should not be considered. I spoke with Great Lakes again and the says well you will have to put it in deferment. I wanted to fix my credit including my student loans so I began working a lot of overtime to try to get ahead and ORS raised my XXXX XXXX. And cause I showed that I can make more money on a regular basis as if I had a 2nd job. XXXX XXXX goes up,  Great Lakes says I have to defer payments. Now in XXXX I am finished with XXXX XXXX they can not come after me for it anymore. So I start working with student loans again and work into a repayment program. They come back and say my little {$19000.00} student loan is now up to over {$60000.00}. I felt abused by the system cause I should have been able to repay it. So I decided I was not going make {$650.00} monthly payment because it is not a bill according to the State of Utah. Student loans are now garnishing my checks and say that my {$19000.00} loan is now {$100000.00}. This whole process has not been fair. I feel my loan servicer should have stepped in to assist me with states absurd reasoning that it was not a bill. If anyone owes this bill it should be the State of Utah because they would not allow me to repay it at a time when it was manageable and took any excess money I could gather to use for XXXX XXXX of XXXX children. By the way my ex was the adulterer and I left and went to better myself for me and my children. I could never get on my feet financially. I had to have roommates to even afford a roof over my head. I lived in XXXX, CO most of that time. There was a much higher cost of living difference, but state of UT would not recognize that either. I feel that I have been punished for bettering myself for long enough and would like to see my student loans forgiven for attending a school that no longer exists. As a matter of fact the school instructor says it wouldnt matter if you didnt repay your loans cause they could take your house, car and taxes but they can never take away your education,
Consumer complaint received 2019-07-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CA)

XX/XX/2019 Midland contacted my work about a debt and spoke with my boss. Midland was told not to communicate with me as at the time I was represented by an attorney. They called my work on a recorded line and did not give proper disclosures. 

8 days later At XXXX XXXX someone named XXXX from Midland called a third party ( a family member ) regarding an alleged debt that they alleged to belong to me from XXXX to XXXX and did so on a recorded line, post revocation of consent to be contacted by telephone, and after it was known that I was represented by an attorney. 

Bottom line is my calls had been recorded without letting me know at the beginning, I kept getting calls after I asked them to stop, when I asked for calls to stop they contacted my family and recorded their calls too, I even told them at the time I was represented by an attorney and they continued to call. THEY ALSO CALLED ME AT WORK AND CAUSED A LOT OF PROBLEMS FOR ME. TOTAL HARASSMENT!
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OneMain Finance Corporation (GA)

I have contacted One Man many times trying to get this debt removed that's bringing down my credit badly.They have failed to respond and I would like that debt removed off my credit. The credit amount is false and I never took out credit with this company.
Consumer complaint received 2019-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I received a phone call from MUFG Union Bank N.A. on XX/XX/2019 for my XXXX mortgage payment. I told the agent - and sent them proof - that I sent a Priority letter with the cashiers check from XXXX on XX/XX/2019 and it arrived at their XXXX XXXX facility on XX/XX/2019. 

I called XXXX XXXX  to see if the cashiers check was cashed, and it was not. I have included the proof of delivery for the Priority mail, and the cashiers check stub. 

On XX/XX/2019, I called MUFG Union Bank, and they said that mortgage was paid, but the other day I received a letter saying it was not. 

This company is XXXX.