davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-10
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC. (TX)

It's OBVIOUS I'm not ever going to pay the ONLY wrongful complain EVER put on my credit report. I have submitted documentation proof to the collections agency as well as the credit unions proving the charges are not ligament. The credit agency contacted the collections agency and ask them if the information I submitted was acceptable to dismiss and the collections agency responded that person no longer works here. 
Point 1. I received and forwarded an e-mail from the apartment complex manager - waiving apartment painting for early move in. When I moved out years later the apartment manager was gone and the assistant manager XXXX had issues with me so would not accept her previous letter waiving the minimal expense. 
Point 2. I provided the same e-mail proving I was not responsible for the {$130.00} dollars re-painting fee to the credit agency and disputed it in writing. The response from the apartment complex was taken verbally over my proof in writing. 
Point 3. While time passed I paid higher interest rates for a {$960000.00} home I purchased and also paid it off completely in record time. 
Point 4. I ALSO PAID off all my credit cards, vehicle loans and additional mortgage. 
Point 5. I have the invalid debt still on my report and even though I paid over a XXXX dollars worth of bills using credit - MY CREDIT SCORE STILL SUFFERS?? Please Please Please have someone with account knowledge re-score my account properly.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is inaccurately reporting late 's on my credit file for the months of XX/XX/2019 through XX/XX/2019. I paid my full balance off completely. I was not advised about any interest fees thereafter my balance was paid off. for 3 months, I did not receive any notifications, letters, or any phone calls that I had a balance until I checked my credit file and noticed the lates. They had my email address wrong in their system. They agreed to remove all the fees, yet they are still showing a balance and late charges on my account. I request they remove the lates and fees as this was not my fault!!!
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-04
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)

Starting in XX/XX/2019, I was so far ahead in my monthly payments that I was allowed to stop making payments for a few months. I received a summary of my accounts with this information monthly, with the date of when payments would need to start again. 
So in XXXX and XX/XX/2019, I stopped automatic deduction from my checking account. Each month, I paid a large chunk of money on one specific loan in an effort to pay it off. I successfully paid in full one loan in XXXX, and received a " Paid In Full '' letter in the mail a few days later. My plan was to, each month, make a payment for one specific loan to pay it off, and by the time my paid ahead staus was finished, I should have 3 loans paid off. 
However, on XX/XX/2019, I received correspondence that my loan terms changed, and suddenly I was mandated to make payments again starting this month. When I called for further clarification on XX/XX/2019, the customer service representative informed me that my paid ahead status was canceled PER MY REQUEST. I assured her that I had not made that request ; in fact, I had not spoken to anyone at fedloan in months. The representative shared with me that the important information that should have been documented in my account, such as the identification number of the representative who made such change, was missing. This is alarming to me, that someone at fedloan made changes to my account WITHOUT MY CONSENT. This is the reason for my complaint. 
The representative did submit a request to reinstate my paid ahead status ; however, this will take time to process. In the interim, I have to make the mandated payments for XXXX, and possibly XXXX, and my plan to have 3 loans completely paid off by spring is no more. I am angrier, however, that someone at fedloan made changes to my account WITHOUT MY CONSENT.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SOFI TECHNOLOGIES, INC. (MO)

Formal Complaint Against SoFi for Violating Truth in Lending Act On XX/XX/2024 Dear [ CFPB ], I am writing to file a formal complaint against SoFi, regarding their denial and extension of credit to me, which I believe violates the Truth in Lending Act ( TILA ). As per Section 1691 of the TILA, it is unlawful for any creditor to discriminate against an applicant in any aspect of a credit transaction based on certain protected characteristics.Specifically, SoFi 's denial of my credit extension appears to be discriminatory based on the following grounds : Basis of Discrimination : SoFi 's denial of credit appears to be based on discriminatory factors such as [ Credit Worthiness. Violation of Applicant Rights : By denying my credit extension without a legitimate reason related to creditworthiness or financial capability, SoFi may be in violation of my rights under the TILA. I would like to request a thorough investigation into this matter to ensure compliance with the TILA. Additionally, I urge the CFPB to take appropriate actions against SoFi if they are found to have violated the law.Thank you for your attention to this matter. I look forward to your prompt response and resolution.Sincerely,
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I applied for a credit union account with XXXX. As part of their approval process, they outsource their approval process to XXXX XXXX. 
I have a transunion credit score of XXXX or EXCELLENT. 
I was rejected the account based on data from XXXX XXXX. XXXX referred me to Chex Systems for more information. I spoke with XXXX XXXX who REFUSED to tell me why my application was rejected. I am XXXX years old. I have several bank accounts, am financially secure and have NEVER been decline for any bank, credit card, etc. I was told I would need to put in a formal request for the reason and it would take 5 BUSINESS DAYS after that submission for XXXX XXXX to MAIL the information to me. This " company '' refuses a strong applicant then won't tell the applicant the reason and MAKE THE APPLICANT WAIT two weeks? This is ridiculous. The government needs to pull their license. They have told the bank to reject me but refuse to tell me why. PLUS there is no legitimate reason to reject me. 
The government needs to stop this company from destroying other citizen 's financial records. 
I asked to speak to a manager and XXXX refused to transfer me. She told me to talk to the credit union. I spoke to the credit union and they have no details as to why I was rejected.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (MD)

Hello, I read US Bank advertisement on a websites regarding its XXXX Olympic promotion which ran fromXX/XX/XXXXto XX/XX/XXXX. 
It promised to give additional bonus points to new card holders depending on number of Gold, Silver, and Bronze medals of XXXX XXXX on XX/XX/XXXX Olympic. 
Each Gold Medal = XXXX points Each Silver Medal = XXXX points Each Bronze Medal = XXXX points I applied to this offer and got approved on XX/XX/XXXX. 
But US Bank refused me the Olympic bonus points because I applied using " third party website '' and not flexperks.com that is owned by US Bank. 
But any " third party website '' will link to XXXX where US Bank got my application and subsequently approved it. 
If " third party website '', like XXXX, did not facilitate nobody will know about XXXX, US Bank, or its products. 
The XXXX advertisements are still there. 
You can see them live on XXXX XXXX XXXXusbank/ for both dates XX/XX/XXXX and XX/XX/XXXX. Just scroll to these dates. 

I attached screenshots of this pages. 

I see actions of US Bank as False Advertisement and would like to get US Bank reprimanded. 

Thank you. 

XXXX XXXX
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I have HSBC Mastercard Credit card. I had already made the automated payment setup from XXXX XXXX account ending in XXXX more than a month back.

Problem with HSBC : They are so weird and strange. Very different from regular/normal banks or credit card Website is so overwhelming or confusing - all the global products and everything in one place that very simple stuff like seeing the credit card statement and making the payment is absolutely impossible. I got the call from them during morning at XXXX XXXX from XXXX who was stating that minimum payment is not done and make the payment. When i asked - i am on website and how to do that ... she stated she doesn't know. When i asked when the automated payment is already setup then why it is not working? She said that XXXX XXXX takes 1-2 billing cycles to go into effect, which would be why you're not seeing it working yet. 

Essentially this company is involved in some massive fraud out here. They are deliberately not providing the very basic service of automated pay and delaying it in order to make the customer miss the payment and thus they will earn hefty fees and charges from the customer for the missed payments for which customer is not at all responsible. 

Please investigate this fraud HSBC and save US customers.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (AR)

I filed a dispute with all XXXX of the credit bureaus about inquiries that were on my report from multiple car lenders. The problem is I never tried to get a car. I have been disputing this for months even to the point of the bureaus telling me to contact the companies and ask for a delete letter. However that is impossible because I do not have an account with them nor do they show that I applied for a car or a loan.They said that there was no way they can offer me a letter of such statue. After contacting the companies I called each bureau yet again to dispute, even by sending letters. I also had a fraud alert on my credit file a few months back because of these unauthorized inquiries. XXXX said they are investigating the other two would not do anything. Also when I dispute with XXXX it has been over 30 days with disputes not verified but still remaining.They say that it is taking additional timing to complete. Also with each bureau some of the disputes come back within hours saying verified. Especially XXXX bankruptcies that I never finished going through the court system for. I provided paperwork to transunion showing the case was dismissed and I owe nothing, zero balance. They deny your requests by saying verified, but when you ask by who, they can not explain. Then when you try to check dispute status it says can not view, or still pending. I also asked an XXXX Rep to update my current mailing addresses and delete all old ones. He told me that I could not do that since they were apart of my file.
Consumer complaint received 2021-03-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Chase bank gave me wrong interest rate of 0.02 % instead of 2 % but they do not want to admit this was a bank error. 

XX/XX/XXXX - received a promotion email from Chase that states '1.75 % interest rate for 6 months CD, minimum deposit of {$10000.00} '. I clicked 'additional rates and terms ' and learned 2 % interest rate for the money I had which was {$80000.00}. ( a copy of promotion email attached ) XX/XX/XXXX - opened the CD account online. I selected 12 months and deposited {$80000.00}. 

XX/XX/XXXX - a day after maturity date I noticed Chase only deposited {$16.00} which is 0.02 %. Called the bank but I was advised to visit the branch. 

The same day I visited Chase XXXX XXXX XXXX/XXXX XXXX branch. They could not find any record of the 'interest rate ' for my CD account. Branch didn't admit the error but escalated the case. 

XX/XX/XXXX - a banker, XXXX XXXX, moved my money from CD account to Savings account to avoid the CD to be automatically renewed. Multiple communications, emails between the branch but they were not willing to help. 

XX/XX/XXXX - Chase branch complaint escalation team called. 

XX/XX/XXXX to XXXX XXXX - Multiple communication between the escalation team. I have requested to check the interest rate at that time as it was a fixed rate. XXXX said she communicated with the CD team but they still didn't admit this was an error. Because I opened the account online they claimed they don't know which product I selected even though they know I had 12 months CD with {$80000.00}. 

XX/XX/XXXX - the case had escalated to 'Executive office '. No one called me so I got the contact information from XXXX from branch complaint escalation team. 

XX/XX/XXXX - after leaving two messages, the case manager, XXXX XXXX, called me back and left a message. She said 'I talked to the branch and the branch manager says he doesn't recall they offered 2 % and I opened the CD account correctly online with 0.2 % ( it's actually 0.02 % but that's what she said ). 

I formed a conclusion that Chase does not want to admit the error and not willing to fix the issue even though they should have the information of the interest rate they were offering at that time.
Consumer complaint received 2019-10-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (IA)

I have had an XXXX XXXX also called Synchrony Car care credit card that I am struggling to make payments to. I am currently unemployed and looking for work. This happened from XXXX to about XX/XX/XXXX where I was on and off work sporadically having to use my XXXX to help pay for my bills.
Consumer complaint received 2019-04-08
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. (TX)

Equifax 15 U.S.code1692 { XXXX } false and misleading representation, Equifax reporting on credit report falls under this code due to XXXX XXXX vs XXXX XXXX, NO CIV 03-0762 United states District court of Arizona Court rules that reporting on credit report indeed is considered collection activity in which you are reporting. you state you validated this alleged account stating there are payments made which is false and fraud, I demand removal of this alleged account or you show evidence where payments are made actual payment documents this alleged account is fraud remove at once. I am not a credit repair company just a concerned about my credit report
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RENASANT CORPORATION (MS)

I opened my account on XXXX. Not having knowledge That New account opener XXXX XXXX gave me the incorrect account number. I gave this number to my employer and my creditors. So I went to her office and spoke to her about the and she said the problem will be corrected the next day and it's not. So this has cause a great inconvenience for me and a headache. And it has caused a huge headache for me and my creditors. I think something should be done about this bc now I will not be getting my paycheck and all type of fees to my creditors I feel bc of this mistake this company should be held accountable and pay me back for all this suffering.
Consumer complaint received 2019-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch (NC)

Second Round LP is trying to collect monies owed on two previous credit card accounts I opened with XXXX XXXX in XXXX. The amounts are {$560.00} and {$450.00}. Currently these two accounts are negatively reporting on my credit reports as collections. In North Carolina, a debt collection agency has to have a permit or license to collect from NC residents. As of today 's date XX/XX/XXXX, Second Round LP does not have a permit or license.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XXXX of 2019, I closed XXXX of my Bank of America credit card accounts. At that time I had a small {$95.00} credit balance owed to me by the bank. Since I do all of my banking at Bank of America, I wasn't too worried about the money as I assumed they would send me the money eventually by check. 
In XXXX, Bank of America finally removed the credit card from being viewed in their online portal. At this point - I confirmed that I had not received the check or a payment. From that point on, I have called Bank of America 5 times. Each time they claim that the check is in the mail and that I just need to wait 5 business days. Each time I call back, they deny that anything has been done previously and I am forced to start the process anew.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SIMM Associates, Inc. (FL)

Received letter from SIMM Associates stating I owe a trust XXXX that I have never heard of. I believe they have the wrong person. So I sent letter on XX/XX/2024, requesting additional information. A date of service for services rendered or a date with copy of contract signed. Received no response as XX/XX/2024.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

This complaint is being made against XXXX, XXXX, and Equifax on XX/XX/19. I checked my credit report on XX/XX/19 and this alerted me to several hard credit inquiries that were not authorized by me. The reporting companies websites clearly indicate that I can not make a dispute for inquiries online, and directs me to call their respective dispute lines. Upon calling them an automated menu walks me through a few basic menus that do not include any options to start a dispute or to report errors, and that don't allow a consumer to speak to a representative for any reason. It is shocking and appalling how blatant of an attempt this is to misrepresent how a consumer managers money just so that we can be constantly categorized as high risk so banks can charge us higher interest. I won't stand for it as a tax paying citizen in this country.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This complaint is being made against XXXX, Tranunion, and XXXX  on XX/XX/19. I checked my credit report on XX/XX/19 and this alerted me to several hard credit inquiries that were not authorized by me. The reporting companies websites clearly indicate that I can not make a dispute for inquiries online, and directs me to call their respective dispute lines. Upon calling them an automated menu walks me through a few basic menus that do not include any options to start a dispute or to report errors, and that don't allow a consumer to speak to a representative for any reason. It is shocking and appalling how blatant of an attempt this is to misrepresent how a consumer managers money just so that we can be constantly categorized as high risk so banks can charge us higher interest. I won't stand for it as a tax paying citizen in this country.
Consumer complaint received 2019-04-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BB&T CORPORATION (GA)

Step 1 : What is this complaint about? Regional Acceptance has continued to call me daily. They called me at XXXX pm and when asked why they are calling so late they will hang up the phone. This is not the 1st time that they have harassed me during sleeping hours.