davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (LA)

In XXXX I began contacting CONNS in an attempt to resolve this issue. It took from XX/XX/XXXX until XX/XX/XXXX for my account to be found. At that time XXXX XXXX XXXX had acquired the account. They contacted me and we agreed on a settlement. I was to pay {$1000.00} immediately and then make two additional payments of {$550.00} on or about the XXXX of XXXX  and XXXX  of XXXX of XXXX. All payments were to be drafted from my checking account. I was told that before any payments were deducted from my checking account I would receive a written notice. I was told if I needed to change the arrangement that I could call and do so. In XXXX I called to notify XXXX XXXX XXXX that I would need to change the arrangements due to the recent death of my husband. I explained that I would have to make smaller payments. We agreed that 4 payments of XXXX would be made biweekly. This way I would pay off the account in the same time frame. I spoke with a supervisor named XXXX XXXX who assured me that the changes would be made. The changes were not made. I was told that someone filed the forms incorrectly and so the changes were not made, but that I would be reimbursed for all overdraft fees. Mr. XXXX gave me his email address and asked me to email him verification of the overdrafts and they would reimburse me since it was their error. I did receive the reimbursement, but the issue was still not corrected. In XXXX the same thing happened. The amount of {$550.00} was taken from my account again. I did not receive prior notice either. I called back and spoke with Mr. XXXX, but the issue was not resolved. They would not remove the account nor would they give me credit for the payments made because the first payment had to be reimbursed. As I explained to Mr. XXXX I could not pay more than what I had already been out of unless they were going to reimburse me the overdraft fees that I had incurred yet again. I was told that there was nothing that could be done. As a direct result of the errors made by XXXX XXXX XXXX my credit score dropped ( I was unable to pay other bills timely because the funds were not there ), I was evicted because I had to pay my rent late and I almost lost my vehicle ;
Consumer complaint received 2023-03-21
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 2022-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc. (NC)

Opened account on XX/XX/XXXX with a promotional bonus of up to {$300.00} if qualifying direct deposit of {$5000.00} was completed within 30 days. I completed the threshold on XX/XX/XXXX. Terms mention it would pay out after 14 days of evaluation was completed and it has not paid out. This morning XX/XX/XXXX i reached out to support and was told that i did not qualify due to a previous account direct deposit bonus. Nowhere in the terms does it say i would ineligible for this new account bonus but the representative assured me that i was not eligible.
Consumer complaint received 2018-11-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

Pennymac wrongfully denies my loan modification based on my race and decides to use the typical standard statement they tell others stating claim my debt to income ratio was high. Well thats totally un-true and Ive provided plenty of evidence showing the expenses related to the house which will show my expenses pretty much totals or exceeds my income. My mortgage shouldnt have been more than {$1500.00} but of course, I got ripped off by XXXX XXXX XXXX and now Pennymac. I put 20 % down and still Im paying Mortgage protection insurance which doesnt benefit me at all. I demand a modification or Ill never stop complaining and making accusations..
Consumer complaint received 2022-07-12
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. (TX)

I have contacted XXXX XXXX Experian in regards to the fraudulent reporting of an account with XXXX. I am a victim of identity theft and have supplied proof of my FTC Affidavit along with proof of my identity yet this fraudulent account is still reporting on my credit. XXXX has not removed this information from my credit reports despite me contacting them numerous times and are per the Fair Credit Reporting Act 15 USC 1681c-2a this information was to be removed within 4 days upon receipt of this correspondence. 

My consumer rights have been violated and I intend to now file a lawsuit with federal courts if this is not immediately rectified. 

Please see attached certified correspondence with this company.
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

I contacted XXXX XXXX about XXXX XXXX XXXX charges on the XXXX of XXXX in regards to not seeing a bill. They said they would not wave the charges, however I was not getting my bills with them by mail or e-mail ( electronically ). There was no bill, but I finally got a response by mail on XX/XX/XXXX -- again, stating they would not wave the fees. I had struggled with their online phone service, then to get bills, and now that I have paid them ( since recieving my payment for this late fee ), they have added an additional XXXX dollars in charges. Same thing, no response to my message about this on their electronic messaging, no bill and more charges. I JUST got a messaged response, and this was not a helpful response.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Equifax is reporting inaccurate personal information on my credit report which is adversely affecting my ability to obtain credit approvals due to conflicting information in their database. This is damaging to my credit profile and per the Fair Credit Reporting Act, I am hereby requesting for the following inaccurate information to be removed : 1XXXX name : XXXX XXXX XXXX 2. address : XXXX XXXX XXXX XXXXXXXX, FL XXXX Please delete the above information.
Consumer complaint received 2022-07-12
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. (NY)

The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IL)

In complaint XXXX, I described how Ditech misapplied my extra mortgage payments to interest when they should have been applied to principal. Their response failed to correct the error. I have been keeping my own records since we began the mortgage which I am submitting as part of this complaint. 

The correct principal outstanding after I made my XX/XX/2018 payment is {$350000.00}. 

The incorrect statement they sent in response to my aforementioned complaint says the principal balance outstanding as of that date is {$350000.00}. 

In addition, they wrote " Your payments were submitted online without instructions indicating how any additional funds should be applied to the account. '' There is no way to provide instructions accompanying an online bill payment at Ditech.com. So it is literally impossible to do what the company asks.
Consumer complaint received 2018-11-16
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. (AL)

I received a letter from XXXX XXXX stating I was interested in buying a car which is very untrue. I have 3 vehicle and not looking to purchase another. I never contacted these people to buy a car nor spoke with anyone to do so. This is fraud and I have an alert on my credit report due to being a victim of fraud by my ex husband. Theses inquiries need to be investigated and charges filed and a law suit against the company if they done it on their on! They need to remove this from my credit report!
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp. (TX)

Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. 
Company information
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (DC)

on XX/XX/2022, I as the consumer notified XXXXCHASE CARDMEMBER SERVICES of a BILLING ERROR pursuant to title 12 CFR 1026.13 ( a ) ( 4 ) ( 5 ) on account # XXXX, in the amount of {$540.00}, since then the Billing Statement increase to {$640.00} as of XX/XX/2022. XXXXCHASE CARDMEMBER SERVICES never responded or investigated the Billing Error and that's a violation of 12 CFR 1026.13 ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. 
ALSO, according to the CFPB-Consumer Financial Protection Bureau in regard to a Billing Statement, the amount shown is actually a CREDIT BALANCE that represents a credit in my account that the CARD ISSUER owes I THE CARD HOLDER. ALSO, according to the CFPB I as the CARD HOLDER can call my CARD ISSUER and arrange to have a CHECK sent to me in the amount of the CREDIT BALANCE. I the CARD HOLDER is requesting that the CARD ISSUER send me a check in the amount of the credit balance in accordance with the CFPB.
Consumer complaint received 2018-11-16
Product: Credit card or prepaid 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: HSBC NORTH AMERICA HOLDINGS INC. (FL)

My statement from HSBC from XXXX included 13 unauthorized transactions in gas stations, all with amounts over {$80.00}. These transactions put my account over the credit limit. 
I first contacted HSBC about these transactions on XX/XX/XXXX because my card was blocked. When I called them turned out I was over my limit as we reviewed the recent transactions that is how we realized of the fraud. Although they started a fraud investigation at that point, temporary credit was never given and my account continues to be over the limit. My old credit card was cancelled and a new number was reissued but I was never given a new card due to the over limit. 
On XX/XX/XXXX, I called again because I received a Claim form to complete and I wanted to make sure I was providing everything they needed to complete the fraud investigation. I was asked to fill out a police report which I did and sent along on XX/XX/XXXX with the completed Claim form. 
I was told at that point that as soon as they receive this information I will be contacted by the fraud investigator and as of today XX/XX/XXXX that has not happened. 
I received an statement with close date of XX/XX/XXXX and still shows the balance that includes all the fraudulent transactions. 
All the fraudulent transactions are considerably higher than my usual transactions at gas stations of around {$40.00} that can be seen in my transaction history. Also, none of them are at my city and I can prove I was working in town while they happened. 
In addition to all of that my credit score went from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I am pretty sure that is as a result of this because nothing else on my credit has changed. When I mention it to them they said that because the card is over the limit they report it to the credit bureau and that will affect my credit. This is not fair as the reason why is over the limit is not my fault. 
I am reaching out to you to help me get this investigation resolved once and for all.
Consumer complaint received 2024-04-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Robinson & Hoover (OK)

XXXX XXXX XXXX. Of XXXX, XXXX, XXXX. Filed false petition lying and is trying to obtain Default Judgment. Knowing she is participating in a conspiracy, aiding and abetting. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. DID NOT PROVIDE TITLE IN 30 DAYS VEHICLE COULD NOT BE REGISTERED AND THEY SOLD VEHICLE KNOWING PROBLEMS WITH TITLE in Bad Faith. Sold vehicle that was dangerous to drive and a defective vehicle. She will be held accountable. Bar license complaint will be filed and I want her license to practice law revoked permanently and damages to be paid that I am entitled to. What is done in deception will be brought to light. You will also be facing several lawsuits here shortly in regards to this matter. You are a monster.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (OH)

I called American Express Early XX/XX/2022 to cancel my American Express Credit Card. I was cancelling my card because I received an annual fee. As an exception American Express waived the fee and closed my account. Days later the fee was still on my account. Once again American Express stated the account was closed and they will waive the fee. Last week I received an e mail stating a min {$40.00} payment was due. American Express has locked me out of their online banking portal. i called them for a 3rd time. At this point they advised that I had a balance- of the annual fee. The representative ( Employee : XXXX ) stated they were not able to assist me, nor would they send me in writing the account was closed and the fee was waived. I had to wait for a call back. This caused major distress. The employee confirmed the in their system of record notes the account is closed, and the fee is waived. American Express was negligent and charged me an annual fee on an already closed account. This is very concerning, how may clients are they doing this too? This issue needs to be investigated. My account was closed. American Express 's system of record supports they waived the fee and closed my account in XX/XX/2022. XX/XX/2022 they charged a closed account an annual fee. They had no way to correct this.
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

I am reporting fraudulent transactions happened with my Chase credit card. I have noticed a couple of major fraudulent transactions on my credit card somewhere around XXXX XX/XX/2018. Immediately I reported it to the bank. They cancelled my earlier card and issued a new credit card ending with. At that time they removed all unposted fraudulent transactions and refunded the fraudulent transaction money. They also sent an email stating that they will investigate the transactions and ask me if any information needed in that regard. However, they never asked any further details later. Meanwhile I received one of the articles ( womens sports innerwear ) from XXXX   ordered by the fraud on my delivery address. I reported this to both my bank and XXXX ( email confirmation from XXXX regarding this is attached ) I returned the article to the XXXX as it was not ordered by me. They posted a refund to my account ( {$52.00} ) on XXXX XX/XX/2018. I believed that the issue was resolved. But the bank posted two of the major fraudulent transactions ( which was refunded earlier by bank on reporting ) back on my account on XXXX XX/XX/2018 ( one for XXXX, {$83.00} and another one {$230.00} for a XXXX transaction ). When I asked the bank ; they said that the transaction happened by providing my address as billing address ; which I never ordered. They also gave me the tracking details of the article ordered by the fraud ( I attached the tracking details herewith ). Now the bank said that they will re-investigate the transactions and let me know their decision in 5-15 business days. But now they generated monthly bill including the fraudulent transactions ( which I reported to them earlier ) I now paid the bill excluding the fraudulent transaction. I am afraid that they, may charge late fee and interest for the fraudulent transactions. I have also reported this incident at local Police station in XXXX, NY. The incident number is XXXX. In all these things chase bank wasted my half day.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (MD)

Equifax continues to report errors pertaining to a PAID XXXX charged-off account XXXX The Payment Status is incorrect because this account was PAID in XX/XX/XXXX. 

The Date Opened is incorrect ( as the other CRAs report different information. ) The Date Last Active is incorrect The Date of Last Payment is incorrect. It shows XX/XX/XXXX. 

The Account Type is Incomplete.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (FL)

I was scammed in XX/XX/2024 an attorney office from a loan office called had my bank informations my social security number and said the debit office is going to press charges on a lunpaid loan from " years ago '' I got scared paid the debit then immediately called the bank and told them I was scammed because after looking at the email document they provided and called the number they gave me I didn't have an account with them and the documents from the " Attorney office '' had XXXX different company names on it which when you XXXX is not a law office at all. I filed a fraud case with chase and told them everything also offered other numbers they kept calling me from once XXXX they saw it was a charge back. They didn't want to take other numbers insisted that it's just an email being sent. And then now see they took the money back out my account and determined " it's not fraud '' yet the supposedly attorney office when I asked for the original loan debit report couldn't provide it and didn't send me it in the mail to this day like supposedly they would.
Consumer complaint received 2023-03-17
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: Upstart Holdings, Inc. (AR)

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 instructions.

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 purpose.