davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
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. (GA)

I have been having issues with this and the improper reporting of this account. This has caused a great amount of hardship on me because I have been ignored and if they would just do the investigation they would realize this to be the case. 

In accordance with the Fair Credit Reporting Act everything must be accurate and under 15 US Code 1681 this account is in violation because its not being reported accurately. 

I even have sent multiple verification requests to the company and have not received the items I asked for. 

I as the consumer would like to know all the steps the agency took to insure these items were 100 % accurate along with the method of verification. Thanks
Consumer complaint received 2022-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CARD Corporation (CA)

My account is with ( Card.com ) I had 3 charges on my account from XXXX So I called card.com there was 3 different charges to XXXX they said no worries will credit your account and if we find that there was They would take it back.. well i never got the credit the closed the case with out Asking first..they areva bunch of XXXX  there total ( XXXX ) ( XXXX ) ( XXXX ) My name is XXXX XXXX Ive dent the papers back they wanted me
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Financial Data Systems (NC)

This is not a duplicate complaint. I am making this complaint because XXXX would not let me upload this dispute because it was a duplicate which is not true. 

The account type that is reported by the furnisher ( Financial Data Systems ) is being reporters incorrectly and inaccurately. 

The Account Type is supposed to be listed as " medical debt ''. 

The glossary of entry codes written by XXXX does not list " collection '' as an account type therefore this credit file is inaccurate.. 

this furnisher has been notified of this numerous times and still continues to maliciously and illegally reporting data incorrectly
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

Phishing occurred : impersonating Chase bank heres the text- from XXXX ( XXXX ) XXXX on XXXX XXXX @ XXXX XXXX to me @ + ( XXXX ) XXXX CHASE BANK XXXX : We detected an unusual attempt at XXXX XXXX XXXX, NJ XXXX. If this was not you, use the secured link to verify your identity and secure your account : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back. 

I want the items I disputed in my letters to be removed off my credit ASAP. I am trying to buy a house soon and need the bureaus to respond. Please help me out.
Consumer complaint received 2021-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MN)

In XXXX of this year my paypal account was suspended. I had been using it as a payment platform for selling ammunition. I was not aware ammunition was a violation of their policy until they suspended my account. When they suspended the account i tried to argue that i was not aware but they did not reverse the decision. 

At the time of the account being suspended i had XXXX in the account. I was told they would hold that money for 6 months in case there were claims by anyone against me. 

I went to access the money at the 6 month mark and learned PayPal simply confiscated the money from my account to theirs ( on XX/XX/XXXX ) with no explanation or justification for damages provided to me. 

it is my understanding it they are to take my money they have to provide explanation of actual damages incurred to justify the seizure. I was not provided that. Nor was i provided any opportunity to potentially argue against such claims to my money. They simply took it. 

This company ( like XXXX XXXX whom i work for ) has strict regulations as to how and when they can actually take money from a client. And processes to follow to do so. They had no cause and did not follow any process ; they simply took my money.
Consumer complaint received 2022-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

On XX/XX/XXXX, Chime placed my account on hold and sent me an email with instructions regarding how to steps necessary to unlock the account. 

On XX/XX/XXXX, after gathering the requested documents, I replied to the email from the email address on my account. I followed the directions exactly as directed. Chime never responded to this email. 

Over the course of a year, I sent multiple emails which Chime left unanswered. 

On XX/XX/XXXX, I reached out to Chime from my secondary email address. Chime was very responsive and worked to verify my identity with the address. Then Chime proceeded to request the same documentation needed to unlock my account. I replied with the information requested on the same date. Chime stopped responding again. 

On XX/XX/XXXX, I requested an update again. I received a reply stating Chime would provide an update within 2 - 3 business days. 

As off XX/XX/XXXX Chime has not provided the promised update, and my account remains on hold.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Information and documentation requested from XXXX XXXX XXXX ( XXXX ) has been refused : 1 ) Provide XXXX accounting for this loan beginning from loan origination. Do not send payment and transaction history. Provide documentation on when the loan originated in 2002. How did it originate? Who provided the initial funds and how? 
2 ) Is XXXX a debt collector? if yes, identify yourself as such. 
3 ) Does XXXX have a contract with said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX? 
4 ) If such a written contract exists then provide the contract with original wet signature. 
5 ) On XX/XX/XXXX, there was an assignment of mortgage to XXXX XXXX XXXX Mortgage XXXX : said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX were never notified. Said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX does not have a written contract with XXXX and has never assigned power of attorney to XXXX to act on their behalf. Said mortgage holders has never assigned power of attorney to XXXX XXXX XXXX Mortgage XXXX or any of their subsidiaries, derivatives, trusts or any other entities or associated persons. 
-Why was the assignment made? 
-Who authorized the assignment? 
6 ) This mortgage contract with XXXX has been in dispute for over a year, why is XXXX still reporting derogatory information to the credit agencies? This is causing damages. 
7 ) Who authorized XXXX to send any information to the credit agencies? As a consumer, said mortgage holders never authorized it.
Consumer complaint received 2024-03-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Idaho Housing And Finance Association (TX)

On XX/XX/24 I was charged a {$25.00} Rush Mailing Fee. I did not sign anything stating I would be liable for such fee. Additionally, for the month of XXXX they also lied to the credit bureaus and stated I was late when I was not. This company has a history of charging hidden fees to their Clients and reporting late payments fraudulently proof on XXXX. 
Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions.
Consumer complaint received 2022-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

In sum, my account has been in forbearance since XX/XX/XXXX and no period since then should be excluded under TEPSLF and the CARES Act. 

I applied for forbearance in XXXX of XXXX. Under TEPSLF, I understand that more than 12 months of forbearance would have allowed my period of forbearance to be counted as eligible payments. However, because of the COVID-19 moratorium on payments, FedLoan is not counting the 10 months ( XX/XX/XXXX through XX/XX/XXXX ) I was in forbearance as eligible payments even though they should be since the COVID-19 moratorium was imposed unilaterally in XX/XX/XXXX.
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

This in reference to complaint XXXX. 

I would also like to add disparate treatment to my claim. XXXX said I was ineligible because I responded to a balance transfer other than XXXX XXXXs. Why am I being penalized for not have as much money or funds as a more wealthy customer? I'm being discriminated against. Wouldn't more protected groups respond to a balance transfer? And why would you penalize a person for taking a balance transfer when the product that is being offered has a pay in full term? It simple comes down, that only the rich can get the bonus offer. Those customer who have a financial need to respond to a balance transfer will never get a bonus offer for the XXXX card from XXXX.
Consumer complaint received 2022-08-29
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
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 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 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (CO)

My credit card had expired and I called to ask to have a new card issued to me. The representative informed me my account had been permanently closed. When I asked why, I was told it was because they had issued a new card and it had been returned so they permanently closed the account. I had let them know that the address they had on the account had the wrong town and zipcode listed when I reviewed it in their app but I had updated it to the correct address and asked for them to please reissue the replacement card to the correct address. I was told they could not do that and i would need to reapply. I asked if they could transfer the balance and assign me a new account number and issue a new card and was told again that they can not do that and i will need to reapply. I've had balances transfered and new accounts issued in the past without an issues. I do not miss payments and am never late on my payments. This account was closed due to an error on their end.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Credit Karma (AL)

On XX/XX/2022, I received an email marketing from Credit Karma regarding having excellent odds in applying for a XXXX XXXXXXXX XXXX XXXX. I submitted an application which had a caveat that depending on the outcome of the card despite being advertised as having excellent odds of approval, they would guarantee {$50.00} to deposit into an open Credit Karma checking account, which I have. I submitted the application and was denied the credit card. I received an email on XX/XX/2022 confirming that based on being denied, I would receive the {$50.00} deposit soon as a result of the denial into the open credit karma checking account that I have. This was false advertisement regarding the approval odds which led me to apply for the credit report. As a result of being denied, this was an unnecessary inquiry on my credit report which will reduce my credit rating. I have had numerous similar offers of excellent/great approval odds with negative/adverse results/ causing unnecessary inquires. My credit scores through XXXX, XXXX, and XXXX are all in the XXXX 's on the actual agency reports. However, XXXX XXXX shows my scores for XXXX and XXXX as high XXXX XXXX 's, almost 100-150 point difference, which is the score that is being pulled by the credit card company/financial lenders within the Credit Karma profile. For example, I was denied the XXXX XXXX Credit Card due to my XXXX XXXX reflecting as XXXX ; however, on XXXX 's website, my credit score is XXXX. This is an absolutely egregious difference and can be the difference between me being approved for a mortgage with having a XXXX credit score if pulled through credit karma, which shows almost XXXX points less. This also causes higher interest for certain lending products with using such a low score, if the official credit agency reflects my score to actually be in a Fair range. 

The FTC has just fined Credit Karma this week, {$3.00} million for deceptive pre-approval claims. These deceptive pre-approvals have damaged my credit karma rating which has removed my ability to be approved for actual credit cards, as well as personal loan options as lenders are pulling the much lower score through credit karma. Also credit karma has the same " pre-approval '' for personal loans for which they only use the same lenders. When sending an email to review loan products, just by logging in, will automatically send an application to the lenders, as I have only been reviewing lender " pre-approval '' options, and have began to receive denial letters when I never applied for the specific lender, only just logged into my credit karma profile and the applications were automatically be submitted just after logon.
Consumer complaint received 2022-08-29
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. (IL)

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

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1682 section 603 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-03
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2022-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/XXXX my business bank acct was locked and was scheduled to close within that week. I have called over 20 times and have the evidence to prove it. I have yet to receive our XXXX dollars that is still in the account. The account is still open and I have asked for it to be closed
Consumer complaint received 2022-09-03
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXXXXXX Balance Owed : {$9100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Solutions, Inc. (NC)

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$3200.00} with XXXX, XXXX and XXXX credit reporting agencies in XX/XX/XXXX. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt with is in violation of FCRA and HIPPA " NO CONTRACT WITH ALLEGED DEBT ''
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (FL)

American Express approved me for SCRA benefits because Im XXXX XXXX XXXX, but secretly and illegally changed my interest rate to 28 % without notifying me. I didnt know until I checked my statement by chance. Now, they are taking weeks to do an investigation to see if I qualify for a refund. They are quietly taking advantage of service members by claiming to be military friendly, but secretly overcharging interest.
Consumer complaint received 2020-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2020, I got scam by a man who called himself XXXX XXXX. He ordered me to do wire transfers to different bank accounts. I have made multiple domestic wire transfers and cashier checks. Started from XX/XX/2020, to XX/XX/2020. When I realized it was a scam, I called chase bank to let them know, so they could try to reverse the money, but they keep on telling me to send them information that I did not even have at the time. And that was how I lost thousands of dollars. Some of the money was coming from the Illinois Department of Employment Security, which I asked XXXX to send me proof of where the money was coming from but, he lied and lied said that he had an investment with the government that was why IDES sent him money. The total amount of money I received from IDES was around $ XXXX. He told me to send $ XXXX to XXXX XXXX XXXX, $ XXXX to XXXX XXXX, $ XXXX to XXXX XXXX XXXX, and $ XXXX and to XXXX XXXX. From my kids ' savings was {$12.00} to XXXX XXXX XXXX, $ XXXX from my chase credit card, another $ XXXX from my salary plus payday loans and personal loans. I explained things to chase customer service, and they have done nothing about it. They just keep the rest of the money I had on the account and closed them.
Consumer complaint received 2017-07-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

During my closing on XX/XX/XXXX, Carrington Mortgage increased my closing amount from {$4100.00} to {$7400.00}. I signed a closing disclosure onXX/XX/XXXX outlining the terms of closing with me agreeing upon the smaller amount. While at the title company XXXX XXXX XXXX XXXX at their XXXX XXXX Location ( XXXX XXXX was the settlement agent ), we were waiting on the bank to send over the same final loan disclosure. To everyone 's surprise, the price has risen to a whopping {$7400.00}. This was significantly over the 3.5 % needed for an FHA and was clearly closer to the 10 % needed on a conventional loan. Essentially, I had a weekend to come up with the money or I would lose my ability to get the property and all of my money. My mortgage broker XXXX XXXX said he did n't know what was going on but that have the ability to change the final amount on the loan disclosure. <P/>On Page three of the document title " XXXX XXXX XXXX Property Title '', you will find attached the final closing disclosure that was sent to the title company on XX/XX/XXXX. On the document titled XXXX XXXX XXXX XXXX, which is the loan disclosure I signed on XX/XX/XXXX.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (MA)

This complaint is in reference and in accordance with the Fair Credit Reporting Act ; this is in reference to XXXX XXXX XXXX  account # XXXX and Discover account # XXXX 15 USC 1681section 602A states that individual consumer, I, have the right to privacy 15 USC 1681section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions