davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (FL)

XX/XX/2019 XXXX XXXX XXXX On Sunday XX/XX/2019 I am purchasing a pants through XXXX XXXX XXXX online and my XXXX XXXX XXXX didn't went through. I tried twice and I can not purchase anything by using the provided Credit Card Number to my XXXX XXXX. I decided to contact them through chat and they were asking all information regarding about my XXXX XXXX XXXX. They were asking also for a Bank Statements which I provided. However, I didn't noticed that it was only under my spouse name. I explained it to them through chat that we just recently moved to a new address and we didn't fixed it yet. I sent another Bank Statement which is only under my name.They replied and says Thank you for the information. After few minutes I received email from them and they closed my account. I called them and I spoke to different agent until I spoke to the supervisor on duty because I demand an answer to why they closed my account. Even the supervisor told me that she can not give me an answer to why they closed my account. I told her about the email I received that stating " Your XXXX XXXX account has been closed because : Failure to comply with the terms of the card member agreement or rewards agreement ''. I asked the supervisor what was the failure? ans she  told me that is not a question that I can not give you an answer. I believe that being a Card Holder I do have the right to know what was the reasons why they closed my account. I just asked a simple question that ended up closing my account without no reasons at all.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (RI)

On XX/XX/XXXX at XXXX XXXX  I refinanced a property I own in Rhode Island. Shellpoint Mortgage Serving, charged me a 5 % pre-payment penalty. 
Principle Balance on payoff date XXXX Prepayment Penalty XXXX I contacted Shellpoint on XX/XX/XXXX and told them the maximum prepayment penalty in Rhode Island is 2 % but only in the first year of the mortgage. My mortgage was originated on XX/XX/XXXX. 
However in reading Dodd-Frank which was implemented in XXXX of XXXX, it seems that prepayment penalties must meet ALL of three criteria. My mortgage did not meet the last criteria. 
The loan is not a higher-priced mortgage loan. ( A higher-priced mortgage loan is a mortgage with an annual percentage rate higher than a benchmark rate called the Average Prime Offer Rate, which is an annual percentage rate that is based on average interest rates, fees, and other terms on mortgages offered to highly qualified borrowers. ) It is my premise, that my mortgage does not qualify under Dodd-Frank for any prepayment penalty because my loan was at 6.125 % while the APOR for XXXX topped out at 3.8 %. Therefore : only two of the above 3 conditions were met. 
I have called Shellpoint Customer Service and requested someone from their legal team call me to discuss my situation 4 separate times. I have put my request in writing via the Shellpoint Customer service online application. No one has returned my calls. At one point I asked the customer service representative when they had called me. I was told I was called at XXXX XXXX. However I was on my cell phone waiting for customer service to answer my call at that time. My cell phone would record any missed calls, and would make me aware of a second incoming call if I were on a call.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The balance on this account is incorrect. It should be {$940000.00}. 


Account Number XXXX Condition Open Responsibility Individual Current Balance {$950000.00} Original Balance {$950000.00} Limit XXXX XXXX  Monthly Payment {$8300.00} Last Payment XX/XX/2023
Consumer complaint received 2022-03-31
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. (AR)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-10-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings (LA)

Speedy cash debit {$310.00} from my account for a loan that was not even mine. I spoke with them and they refused to give me my money back. The loan was for my sister who used my care to pay a one time payment. They debit my account on XX/XX/2019. I spoke with them XX/XX/2019. They were the ones who refused to work out a payment plan with her. XXXX XXXX her name and the account number is XXXX
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (GA)

On XX/XX/XXXX, MOHELA updated my bankruptcy - discharge of debtors from pending to approved. As you will see in 1 of 3 of the included attachments, my subsidized and unsubsidized Federal Student Loans ( FedLoan ) aka Department of Education is included in my XXXX XXXX  XXXX bankruptcy on the certificate page. Federal Loan transferred eligible loans to MOHELA around the summer time in XXXX. MOHELA, XXXX, and XXXX all have been habitual violators of closing, reopening, and changing the status of my student loans even though all agencies have proof of my XXXX  bankruptcy discharge documentation. XXXX, currently, is the only agency that has my student loan status as included in bankruptcy and closed as a status. These status changes has cause substantial and adverse financial hardships with the approval of credit applications as well as the ability to maintain a good consumer credit score rating.
Consumer complaint received 2020-09-15
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. (TN)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (KY)

In XX/XX/XXXX, our home was damaged by Hurricane Florence. I contacted Chase Mortgage & was approved for 3 months disaster assistance ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with no negative credit reporting. I resumed normal monthly payments in XX/XX/XXXX while renegotiating payback to Chase for the 3 months of disaster assistance. I requested adding the 3 months to the length of the loan. Chase refused. They said the full amount must be repaid or I could renegotiate the amount of the monthly payment over 12 months to repay the amount owed for the 3 month disaster assistance reprieve. This option was accepted and, eff. XX/XX/XXXX,  the monthly payment increase began. Our home was sold XX/XX/XXXX, & the mortgage to Chase paid in full. In XX/XX/XXXX, we began proceedings to purchase another home & learned that Chase had reported our loan was in arrears for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX despite timely monthly payments being made reflecting the increased payment amount negotiated with them. They informed me that not paying the full balance of the 3 months of disaster assistance resulted in the negative reporting. Reporting also reflected payment not made in XX/XX/XXXX despite the loan closing XX/XX/XXXX. I have requested removal of the negative reporting due to its relationship to approved disaster assistance amounts and our good faith renegotiation of the monthly payment to pay this amount in full over 12 months. Chase has repeatedly refused. This has prevented us from purchasing another home.
Consumer complaint received 2019-04-05
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. (NC)

I have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

DEPT OF ED/XXXX DEPT OF ED/XXXX
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I opened a Capital One 360 account in XX/XX/XXXX. The agreement was that there was a {$400.00} bonus if I enter promotional XXXX. 
https : XXXX Received at least 2 direct deposits totaling {$1000.00} or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer or an outside institution. I did all of this. 

Capital One has denied me the {$400.00} bonus stating that, " I had opened another Capital One 360 '' checking account. I never did this. The misunderstanding is due to the fact that I had opened, back in XXXX, an XXXX XXXX account. This was not a Capital One account. Then at some point in time, Capital One took over XXXX XXXX. The old account became a Capital One account. But I never opened an account with Capital One. 

In fact, I thought that the XXXX XXXX account was closed and somehow Capital One kept it open for 5 years with only 1 cent in the account???? It's clear that I never used the account and it just sat there. So when I found out about it in XXXX, I had the account closed. They are stating that I missed the cutoff and I had a previous Capital One account so I'm not elligible for the bonus. But it's due to their own error ( XXXX cent ) and keeping an account alive for several years that I was not aware of. 

I would like to be a Capital One customer and I would like my {$400.00} bonus manually applied. 

I called on XX/XX/XXXX and explained all of this. I was told that the bonus may hit that very evening, so I should wait and see and then call back if it didn't happen. 

I checked again on XX/XX/XXXX and seeing no bonus, I called again. I eventually was put through to some gentleman that identified himself as " management. '' I reexplained the entire ordeal, and he seemed indifferent, really didn't care too much, and told me that due to the other account being open I just missed the cutoff and he could not apply the bonus. I don't think this is fair because I never opened a previous account with Capital One. It's not my fault that they took over another bank and converted an account from that bank. 

Please apply the {$400.00} bonus.
Consumer complaint received 2023-04-08
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. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have my payments set on auto-pay so that I know I can pay on time. The loan company published on my credit report that I was 30 days late on payments. They didn't call me in a timely manner and it wasn't until after it was reported on my credit that I was late on a payment. I called and told them it was wrong information and that I had recently move. They didn't attempt to assist me by giving me a late forgiveness since I've always paid on time. I would like to continue with this company, I just feel I'm not currently being treated fairly. The payments are due on the first so I have my accounts to pay on time. for some reason they had issues pulling money but didn't tell or contact me till after I was late. Whenever I check the account, I always see their withdrawal. Then they didn't even tell me that I had another payment due, then called me once it was past due and late. They even tried withdrawing money from both accounts. Why was I not notified that there was an issue until it was too late? I could at least get an email. Please remove the late payment from the report.
Consumer complaint received 2022-10-12
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. (CA)

I have asked the credit bureaus respectfully, to fully investigate these accounts that do not belong to me. They have not been through with their alleged investigations and keep letting these accounts falsely report to my credit report.
Consumer complaint received 2019-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stephen Einstein & Associates, P.C. (NJ)

I recieved a notice in the mail dated XX/XX/2019 stating that an application for WAGE GARNISHMENT is being filed against me by STEPHEN EINSTEIN and ASSOCIATES on behalf of XXXX XXXX XXXX. I have no knowledge of what this is in reference to and I was never given notice to appear in court or that there was a judgement against me.This appears to be very shady and deceptive as the letter is dated XX/XX/2019 and I recieved it well after that date with notice that if I don't reply within 10 days of the date the court will issue a wage execution against me.There is no mention of what it's for, how much it's for, or no relevant information.
Consumer complaint received 2019-10-02
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)

XXXX and Transunion are reporting incorrectly a charge-off of {$27000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Prior to XXXX, I signed on with XXXX  which is a debt management company to assist me in paying my monthly bills while I was gone serving our country. ( I have attached a copy of the email confirming I was a member of XXXX. ) The monthly payments were being made on this auto loan however, the bank was not applying these payments correctly even though XXXX was making the payments on my behalf. I have retained possession of the vehicle. The payments are current and up-to-date. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MO)

I have been struggling to make loan payment to Tower Loan, due to unforeseen Bill 's. I called when I began to struggle & they suggested I come in to redo the loan. I did, but didn't have all the information they required. I explained again I was not able to repay the loan at this time. The manager of the store called today XX/XX/19 & said he needed a payment of {$100.00} which I explained I did not have. I am on special security dissability & recieve payment monthly via XXXX XXXX. He proceeded to tell me that he could go to court & have my payments garnished. When I told him I recieved dissability & legally he could not do that. He replied that he would place a lien on my XXXX XXXX card which has my XXXX payments on it. Which he can also not do. To which he replied .. he didn't know how I could even sleep at night & that I was surely raised better than that. At this point I just hung up the phone.
Consumer complaint received 2023-12-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: United PanAm Financial Corp. (CA)

I purchased XXXX XXXX XXXX on XX/XX/XXXXXXXX  by putting {$5000.00} down. The engine threw a rod before XX/XX/XXXX, the date I reported to my car insurance. XXXX XXXXXXXX XXXX Have been no help. I learned during this process that I am paying 20.99 % interest on a car that does not run. I purchased the vehicle for work. I am a In XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I am no longer able to transport my employer. I wrote to XXXX XXXX XXXX XXXX XXXX ) and contacted XXXX XXXX XXXX XXXX XXXX XXXX ) which both told me to find a discriminatory/preditory lending lawyer. I can not afford to pay a laywer and I can not afford to pay for a vehicle that can not be used.
Consumer complaint received 2019-10-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I, XXXX XXXX XXXX, was the victim of a scam. I deposited an out-of-state check in the amount of {$2900.00} into my checking account which I am on jointly with my wife, XXXX. The account is with Bank of America. The deposit was made on XX/XX/2019. That check was made available the very next day on XX/XX/2019. On XX/XX/2019 ( some 10 days later ), the check did not clear and our account was overdrawn by this amount. The bank proceeded to take money from our checking and savings accounts to make up for this shortage that was a result of this {$2900.00} check. The check was drawn on an account from an out-of-state bank in XXXX, Florida. We went to Bank of America in XXXX, California at the XXXX XXXX XXXX location that same day and spoke to XXXX XXXX, the Relationship Manager. She contacted the claims department. They told us the same day there was nothing they could do and that conversation was followed up with a written notice on XX/XX/2019 confirming the same information. We, as consumers, could not have known if this account was closed or if it really existed. In addition, we were charged two overdraft fees, one described as a returned item chargeback fee for {$12.00} and the other was an overdraft protection transfer fee in the amount of {$12.00}. These transactions aided in depleting our accounts. 

We feel, as customers of Bank of America, the money should not have been made available so soon without the bank doing any due diligence to verify if the funds of an out-of-state check were available or even if the account existed in the first place. For the bank to have followed up on this transaction some ten days after the deposit, it was irresponsible and the bank was derelict of their fiduciary responsibility to us as customers. It is for this reason all monies that were taken from us as a result of this transaction should be refunded to us. 

This event has made us feel extremely discouraged not to mention the humiliation it presents because the check was part of a scam done to me. I must admit I have had bouts of XXXX because of this. We did not have a lot of money saved when compared to other people, but we worked hard to put away what we had saved. I lost my job not many days before this happened to us so, this entire occurrence has been quite disparaging and in our opinion, hopeless. I only trust that we can receive your fullest consideration in this matter.
Consumer complaint received 2023-03-31
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. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this!!