davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC (WI)

Sunlight is charging me for an account that they unlawfully released!! XXXX XXXX is the borrower. Below is a reply in regards to Sunlight contacting my lawyer that is not on this case!! Please see below. XXXX XXXX, the Dispute Resolution Counsel from Sunlight emailed XXXX  XXXX XXXX. 



XXXX : XXXX XXXX CFPB Complaint XXXX XXXX From : XXXX To : XXXX XXXX Wed, XX/XX/XXXX at XXXX PM From : XXXX XXXX Sent : Wednesday, XX/XX/year> XXXX PM To : XXXX XXXX XXXX Cc : XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX Subject : Re XXXX XXXX XXXX CFPB Complaint XXXX XXXX Sunlight is mistaken about having been somehow released under the Arbitrators decision. XXXX XXXX withdrew her claims against Sunlight in the XXXX proceeding before the Decision was issued because the arbitrator received notification of Sunlights bankruptcy proceedings and XXXX XXXX was not financially able to go to Delaware, retain counsel there, and move to lift stay against Sunlight. 

Your response to her current claim is deplorably self-serving. 

Sunlight made a business decision to fund a draw when it did not have its borrowers consent. This was completely illegal and the interest that is being assessed by your firm is an additional violation. 

If you would like confirmation from the arbitrator that the claim against sunlight was withdrawn and not included in his decision, we will be happy to furnish that for you. 


Sent from my XXXX On XX/XX/year>, at XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, Sunlight XXXX is in receipt of the attached CFPB Complaint filed by XXXX XXXX. It is unclear to Sunlight if XXXX XXXX is still represented by your firm. Accordingly, in the spirit of full transparency, we have attached a copy of our short response. 

If you have any questions, please let me know. 

Best regards, XXXX XXXX Dispute Resolution Counsel Office : XXXX Email : XXXX www.sunlightfinancial.com XXXX This message and any files transmitted with it ( collectively, this message ) are for the named persons use only. This message may contain confidential, proprietary or legally privileged information. No confidentiality or privilege is waived or lost by any transmission errors. If you receive this message in error, please immediately delete it and all copies of it from your system, destroy any hard copies of it and notify the sender. You must not, directly or indirectly, use, disclose, distribute, print, or copy any part of this message if you are not the intended recipient. Sunlight Financial reserves the right to intercept and monitor all e-mail communications through its networks if legally allowed. 



XXXX XXXX, XXXX XXXXXXXX <CFPB Complaint Response XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Money transfer requested from my Merrill Lynch account to my BofA checking account. Saturday XX/XX/XXXX. Funds were debited from My Merrill account XX/XX/14 and were not placed in my checking account. Merrill has stated they were fixing it but no communication from them. Multiple calls have been made
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (NJ)

I had my identity as well as fraud on my checking and credit card accounts. I had reported the fraud and actually contacted the merchant and asked them to please close the account as it is not me that is using the account. All of which I have proof of. I thought it was done and the same business is now trying to get me to pay back the fraud charges that were not mine. I have been contacted by Caine and Weiner debt collector a lady named XXXX who will not respond to me and my requests and t have a supervisor reach out to me, According to the banks as there were 2 involved and the credit card companies the case is closed and I have submitted the proof that it was not me and that I am being harassed and Caine and Weiner will not close the case but has no reason to keep it opened.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I previously filed a dispute with Transunion. After resubmitting several requests for dispute, it was resolved. Today, Thursday, XX/XX/2024, I contacted Transunion to send an updated report to a creditor who has received my report in the last six months per the information stated in the Investigation Result report. The specific language in the investigation result report states : - If there has been a change to your credit report as a result of our investigation, or if you have added a statement to your report, you may ask TransUnion to send an updated credit report to those who have received your report within the last 2 years for employment purposes or within the last 6 months ( or 1 year, where applicable ) for any other purpose. ( pg 5 of the attached documentation ) I was given several instances of misinformation as follows : 1. I was told Transunion only provides disputes results by mail, but mine were delivered via email. 
2. I was told I must send my request and send my own credit report to the companies whom requested it. 
3. I was told they can not see the language in the investigation result report. 
4. I was told the above statement is not in the investigation report. 
5. I asked for a supervisor and was told that there is not a supervisor I could speak to. 

I am beyond disappointed in Transunions response each time I have contacted this company for assistance. Their employees lack of knowledge and failure to understand is infuriating and violates my rights as a consumer. This company should be investigated to ensure they are accurately investigating and responding to customer inquiries and investigations as stated by law.
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

While I was behind on my mortgage payments, I applied to HAF. I notified my servicer, Rushmore, that I had applied to HAF and was trying to apply for modification. I submitted several applications for a modification because my loan was given to Rushmore by my old servicer XXXX XXXX who had not submitted my modification application. Therefore I had to start the application process again. Later I was told I had not submitted the application completely and had to reapply. I did inform Rushmore that I had been notified by HAP and provided them with my application ID number. 
Unfortunately, when HAF contacted me to provide assistance, Rushmore had placed my loan in foreclosure. I feel this was correctly done having informed them of my HAF status. Currently Im in the process of waiting for my modification approval and HAF can not help unless my loan is out of foreclosure. 
I dont know the reason I was placed in foreclosure since Rushmore was aware that I was working with HAF. I hope you will be able to assist as I believe this was done in error.
Consumer complaint received 2022-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

Hi from XX/XX/XXXX to XX/XX/XXXX I was making payments to Fedloan for {$330.00}. 

However, I was in XXXX school the year before and did not take in any income over {$10000.00}. My payment should have been {$0.00}. 


I remember calling Fedloan to resolve this a few times. Waiting hours sometimes to just get through to verify. They gave me incorrect information in the beginning of repayment and said I could not get my payments back. 

Now with the department of education correcting things, I want to advocate for my money back. My federal tax returns and payment history would show that I was mislead into making these payments.
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (IN)

I did a credit check on XX/XX//22. There is an credit account that I did not open. It is with XXXXXXXX XXXX XXXX XXXX. I contacted experian and they reported to make a report with you guys.
Consumer complaint received 2022-08-26
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: General Motors Financial Company, Inc. (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a 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 any purpose.
Consumer complaint received 2022-08-26
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. (NC)

This is NOT a duplicate report and is not filed by a 3rd party. 

In accordance with the Fair Credit Reporting act XXXX these accounts below 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. 1. Account Name : XXXXXXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account XXXX XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXXXXXX XXXX  Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXXXXXX XXXX Account # XXXX
Consumer complaint received 2022-08-26
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: AMERICAN EXPRESS COMPANY (MD)

False Advertising. 0 % Bait and Switch offer. 

I applied for the XXXX XXXX XXXX card from this promotional offer on the Amex site : 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 It quotes : Intro APR & Plan It Fees 0 % intro APR on purchases and balance transfers for 15 months from the date of account opening, then a variable APR, 16.24 % to 27.24 %. 

I clicked on the Apply Now button on that page, and completed the application. After completing the application I was approved immediately for XXXX in credit. I clicked on the terms after my approval and they no longer included a 0 % APR. Never was I informed during the application process that the offer had changed or that I would not be approved for 0 % intro offer. 

So I called XXXX customer service to verify that I do have the 0 % intro offer. I was told it was not 0 %. After talking with 6 different representatives over 1.5 hours who passed me around, I'm told that that offer doesn't exist. Even though I am looking at it on my screen at the link I enclosed above. 

They told me to call XXXX to see how cancelling this card would effect my credit. XXXX told me it would affect me to keep the card or cancel. 

I do not want this card, but my credit has now been affected by both the inquiry, and also when I cancel. I do not want to be affected by this bait and switch promotion and would like my credit reporting cleared as if I had never applied or cancelled.
Consumer complaint received 2024-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

A friend 's XXXX account was hacked where he was selling some personal items. He requested people to Venmo him a downpayment on items. The Venmo account was not the XXXX owner 's. It was a fraudster. We sent the money via Venmo and quickly discovered the fraud. We reported it to Venmo. They did absolutely nothing. If they are providing payment services they should be subject to consumer protection laws. At a minimum, they should have a clear process for disputing charges or reporting fraud. Instead, they are aiding and abetting a criminal. Now they are KNOWINGLY aiding and abetting a criminal.
Consumer complaint received 2022-08-26
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. (NC)

I just received a copy of my credit report and noticed some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I just received a copy of my credit report and noticed some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below. 


XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patenaude & Felix A Professional Corporation (CA)

My wife and I received a Debt Collection Notice from the Law office of Patenaude & Felix on XX/XX/2018. I responded to this notice within 30 days ( Confirmed via Certified mail Receipts and I Confirmed by an associate who works there ) requesting Verification of the debt. Since they received my dispute verification on XX/XX/2018 they have yet to verify this debt however they have continued to attempt to contact myself and the my wife. ( We have recorded calls where the agent Identify 's  themselves along with the name of the law office they are calling from and the purpose of the call ) It is my understanding that they must cease ALL Debt Collection activities until they have provided proof that I actually owe this debt however they have not done that. I feel this company is not operating within the boundaries set forth by Consumer Financial Protection Bureau and would like this matter to be investigated. We will provide any documents needs to help support our claim including the original notice, a copy of the dispute letter, certified mail receipt confirming they law office received my dispute via Mail within 30 days of the original Notice, and voice recordings of the agent calling us as recently as today XX/XX/18.
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (NJ)

THE COMPANY, CREDIT CONTROL LLC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OH)

I took out a variable rate, interest only loan with a first and second mortgage with little verification in XXXX of 2007 with Chase Bank. The first mortgage has an interest rate of 7.65 % and the second mortgage has an interest rate of 12.375 %. This house has been underwater from the beginning and I have made several attempts with Chase to refi my home to a fixed rate. They refuse to help. I can not refi this house and I can not sell it due to the loss in value. Right now, my only option is to walk away. I have never missed a payment, and in 8 years I have n't reduced the loan amount at all.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX and Trans Union is reporting my address wrong with multiple addresses where I do not live. 

Theyre also reporting my experiences with a company which is illegal. 

Late payments and hard inquiries are illegal and need to be removed. 
No financial institution can share my information without my consent or experiences. The exclusions listed below : Consumer ( Individual ) Company ( person ) Transactions ( payment history ) Experiences ( utilizations ) Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

15 USC 1681a section 2 subsection ( 1 ) A & I under exclusions 15 USC 6802 section 2 15 USC 1681n
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX  account numberXXXX  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  In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX ACCT # XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX BANK ACCT # 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
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

rent solutions reached out to me claiming they got a debt on my name from an apt in XXXX XXXXXX/XX/2022, i have proof of my address at the time and i did go out there and visit but i didnt get a place i lost my wallet around that time and i told them to send me info but this place wants me to send them info to start an investigationn
Consumer complaint received 2024-06-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I attended XXXX XXXXXXXX XXXX XXXX XXXX XXXX back in XXXX, which changed its name to XXXX XXXX before closing. Sallie Mae at the time as they were only provider offering private loans to attend the school. I was not allowed to use my existing private student loan through XXXX XXXX XXXX that had previously been established to attend a public university. I along with my cosigner took out 5 loans total with Sallie Mae, each of these loans had high interest rates of 10 % -13 % by the time I had graduated I had racked up {$97000.00} dollars in debt.There have been several lawsuits that involve Sallie Mae and now Navient over charging sub-prime interest rates on this loans taken out for students to attend for-profit schools like XXXX. 

The school advertised that they had high job placement rates after graduation as well as offering Job placement assistance to help graduates find a job in their field. I reached out for assistance shortly after graduation in XXXX  and was merely sent result from a job board and no further help. I have struggled since graduation to find a high paying job in my field and even more so now that my degree is basically a useless piece of paper. 

I have managed to pay my monthly payment each month however due to this payment however, due to having a large monthly payment for the past 17 years I have not been able to afford to save for retirement, buy a home and can barely afford to live on my own.
Consumer complaint received 2022-08-26
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. (FL)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX XXXX  # XXXX XXXX XXXX XXXX 's, 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