davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC (NC)

I am the home owner and XXXX  of a property. I went under contract with a customer that was using Planet Home Lending in Ohio. The buyer, as per the contract, submitted to me {$2000.00} in due diligence money. The mortgage closer from Planet Home Lending advised all parties Regarding the {$2000.00} XXXX, I apologize for any confusion, but I did not state this is a simple removal just that the funds are not verifiable and will need to be backed out of the transaction and returned to the borrower. The borrower will need to come in with the additional {$2000.00} at closing for the buyer. The Due Diligence deposit of {$2000.00} was money paid directly to the seller, me. This deposit has been a part of the contract from day one. The mortgage loan originator for the buyer stated, " the seller is going to keep the {$2000.00} that the buyer already paid. We just need an amendment for an additional {$2000.00} in seller credits so that we can put that towards the loan and keep the cash to close the same and so that everything is a wash. '' We obliged and agreed to change the contract as requested, under the written notice that I, the seller, would get to keep the $ XXXX that was already received. When the sale was canceled, the buyer and her realtor demanded full refund of the due diligence money as the contract no longer stated that it was in the contract. After speaking to legal representation from my realtor, we were advised to return the funds and look at options to recoup the lost money. 

Attached is the written communication stating what I have previously written above.
Consumer complaint received 2020-07-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery LLC, In the earlier response regarding disputed account # XXXX have ignored my request to explain the following inaccuracies in violation of credit reporting and collection laws : 1. The highest balance on XXXX XXXX XXXX, XXXX statement of {$2600.00} does not match the amount that you claim of {$3400.00}. No explanation of the difference and how they calculated the amount of {$3400.00}. 2. They did not enclose the original application with my signature. 3. The date of First Delinquency with original creditor is not provided. 4. The end of the 7 year reporting period is not listed. 5. Date of first Major Delinquency is not listed. 6. Charge off Amount is not provided. Also, please provide the same information for the second disputed account. Last, but most important - address on the statements ( XXXX, Oregon ) is not my address. My address is in XXXX and previous address in XXXX.
Consumer complaint received 2022-06-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: AMERICAN EXPRESS COMPANY (NY)

Dear CFPB : First, thank you for the important service CFPB provides to millions of Americans and customers of US financial firms. 

On or about XX/XX/2022 I opened by phone a 48-month CD with American Express Bank XXXX I have been a valued client with that institution for years. 

Less than 24 hours later I reconsidered and quickly notified the bank that I sought to reverse. I was told that that it was not possible to change one 's decision even less than 24 hours later without paying some {$630.00}. 

I am writing CFPB with the request that the bank will reverse what seems a short-sighted and anti-consumer policy. 

The bank should re-consider for multiple reasons. Among them : 1. While I do not recall verbatim what the Amex agent said when I opened the account, I am certain that he did not *specifically* numerate in dollars the fee I would have to pay for early account closure, even less than 24 hours later. Unlike with a credit card statement that clearly shows how much interest one pays over a X number of years, Amex did not spell out the potential fee. 

2. Should there not be a 24-hour period to allow a consumer to re-consider a CD opening? In *many* states a consumer can return within a certain period a product so long as they have the receipt and sometimes without a receipt. Why can't one do this with a CD, which is a financial product? 

3. While a general fee policy on early CD closings was listed on the bank 's page, the FAQs are buried well below Amex 's online page, virtually at the bottom of the site. Do better Amex! 

4. I have been a valued client for 8 years. Can the institution, which presumably seeks to maintain a high-quality relationship with loyal clients, provide a one-time courtesy and waive the fee? Or at least allow me to reduce the amount of the CD?

5. I was assured by XXXX  that the bank would follow up with me the following week. But by late Thursday I still had not heard back either way. In no way do I seek to disparage XXXX, who was gracious and professional and who I thought listened well to my complaint. But a lack of follow-through by his superiors suggests absence of care and appreciation for customers. 

Again I have been a valued customer for 8 years. Why does Amex extend a draconian Scrooge-like policy in this case? 

On a related matter, I have been a target of well-organized harassment campaign. In some instances, bank employees ( such as at XXXX ) participate in " ruses '' or " pranks, '' which ultimately comprise acts of financial sabotage. I do not know if this is a case here but it would be interesting for middle/upper tier management to consider the possibility. 

Thank you for your time and attention. 
Best regards.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (GA)

-I had a credit builder loan with MoneyLion -I paid the balance of the loan off as well as some fees they said I owed on XXXX XXXX -On XXXX XXXX MoneyLion updated my credit report as me having a balance. 
-On My other 2 credit reports the account information has not been updated in quite some time. 
-After I paid this loan off. I am unable to close account or delete my banking information.
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Crown Asset Management, LLC, Duluth, GA Branch (MA)

Crown Asset Management , LLC and XXXX. XXXX XXXX XXXX. for amount of {$2300.00}. I had sent Crown Asset Management , LLC a debt validation on or about XX/XX/2017 who Crown Asset Management assigned or sold the debt to XXXX  XXXX XXXX XXXX, XXXX to collect the debt. The debt validation was sent to XXXX  XXXX XXXX XXXX XXXX , XXXX and they did not respond to my demand. Now Crown Asset Management , LLC assigned or sold the debt to XXXX. XXXX XXXX XXXX. and XXXX. XXXX XXXX XXXX. is now suing me. I have no knowledge of this debt.
Consumer complaint received 2024-05-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I am a former XXXX XXXX XXXX XXXX student XXXX All federal loans related to this predatory school have been discharged because there was proof of misconduct. I am a XXXXXXXX XXXX XXXX class member, and my federal loans are related to XXXX has been discharged. 
I filed a XXXX XXXX XXXX with NAVIENT, which included over XXXX pages of documentation ( besides all the known facts already discovered ). In a couple of weeks, I received a denial from NAVIENT stating : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct, and you do not meet the requirements for discharge based on misconduct by your school. '' This response is absurd and it seems to prove the enjoyment this company gets from not doing the right thing, as there is plenty of evidence and legal decisions stating the fact XXXX incurred in school misconduct and corruption. 

NAVIENT is ignoring the facts and freely denying due process and correcting their wrongdoing with thousands of XXXX former students
Consumer complaint received 2024-02-07
Product: Credit reporting 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. (NY)

I would like these inquires removed from my report. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: FIRST ADVANTAGE CORPORATION (GA)

On the date of XX/XX/2022 I had a background check screening done by FIRST ADVANTAGE with some inaccurate information. I looked at my report it shows that I didn't have an active license in the State of XXXX So, I explained to multiple representatives that I moved from XXXX to XXXX also that I surrendered my XXXX license to the DMV in XXXX Their responds were the information they have received was from the DMV in XXXXXXXX XXXX  says everything is updated on their in. They say it takes 30 days for a dispute then I asked for it to be expedited, then they tell me they don't give time frames out when its expedited. I provided them with all the proof, ask for a supervisor to call me never did.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Upgrade, Inc. (WA)

My Upgrade Rewards checking account was credited XXXX cents as cashback for the month of XXXX. I received an email notification on XXXX at XXXX XXXX  that the amount was credited to my account. But that amount never showed up. I contacted Upgrade  by phone on XXXX and the service representative had no idea why the amount wasn't showing up and asserted that they could do nothing about it.
Consumer complaint received 2020-07-30
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-04-02
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 — Was not notified of investigation status or results
Company: Kikoff Inc. (AL)

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MN)

I have two credit card companies that when I try to make a payment or see a statement ask to send me a code thru processes such as Text/SMS or call my phone. I can not receive these types of messages. My phone does not pick up automated computer calls fast enough for me to hear all the message. And it is not a mobile phone. These companies are Synchrony and XXXX. I have called the companies, emailed, and chatted with their representatives to no avail.
Consumer complaint received 2020-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I spoke with XXXX from XXXX XXXX XXXX XXXX on XX/XX/2020 in regards to a debt with XXXX XXXX XXXX. I asked if they would be able to send the debt back to LDA and she stated no. I then offered to pay the amount owed of {$130.00} in exchange for the account being deleted from all three credit reporting agencies. She stated they would request to have the account removed once payment was made. I proceeded to give her my card information to have payment debited from my account on XX/XX/2020. She stated the receipt would be available through their website on XX/XX/2020, however it wasnt available until XX/XX/2020. I check my credit report today XX/XX/2020, and the account is still reporting to all 3 credit reporting agencies.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

I have a chase card and have had autopay for years on it, I paid off the card and had the annual fee charge my card around the same time my husband was hospitalized for XXXX  which set into XXXX. I have autopay on all my cards and for some reason the reporting agency from chase said " your autopay did not go through because your account number came back invalid '' this is the same account number I have always used and nothing has changed and it rejected the payment shutting off autopay. They attempted to mail a notice they said, but it was to our old home address so I never received the notices. I was helping care for my husband during the time they attempted to contact me at my old home address and I never received a phone call from them once saying that my account was past due. I happened to just login to my app that month and then noticed it was late and paid the full outstanding balance.
Consumer complaint received 2018-03-13
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: SYNCHRONY FINANCIAL (LA)

I have a XXXX card that was serviced by synchrony bank it was charged off XX/XX/XXXX. I have disputed this numerous times with all three credit bureaus and syrchrony bank. The payment history is not accuracy. It shows no data until the charge off on XX/XX/XXXX then shows current on XX/XX/XXXX and XX/XX/XXXX. Then no data after that. This whole account needs to be deleted from credit reports due to none of my on time payments being posted. Also does not have exact charge off date.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I signed up with XXXX for 4 online classes in XX/XX/XXXX. XXXX set me up with 2 loans through XXXX XXXX in XXXX XXXX for XXXX. I took and completed the first course, which cost XXXX. I then was diagnosed with XXXX XXXX XXXX. I called XXXX, told them of my diagnosis and how it changed my plans. I asked for a refund for the 3 courses I never started. They refused. I contacted XXXX XXXX. and told them I would pay them for the 1 course I had completed. I was told they had disbursed both loans to XXXX in XX/XX/XXXX and had to repay them whether or not I had started the courses. I then questioned XXXX why I couldn't get a refund on the 3 courses. they said I had 10 days after I started the first course to ask for a refund, even though the 2nd, 3rd, and 4th courses wouldn't begin for months. The first course lasted 8 months, the next 3 only last 4-6 weeks each. I feel this was extremely deceptive! I questioned why they disbursed the 2nd loan before I completed the first 2 courses on the first loan. The simple fact is XXXX recieved the XXXX and after 10 days I could not cancel. 
In XXXX I disputed the XXXX XXXX. account on my credit report. It was removed because the amount was incorrect. 2 months later it showed up again on my credit report again, but with a different name. XXXX XXXX. Which is XXXX XXXX. of XXXX XXXX. Same address, same phone #, same company, same account I had removed in XXXX. This account has been on my credit for 7 years 3 month.
Consumer complaint received 2024-04-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (VA)

In XXXX of XXXX I applied for a borrower defense to repayment to have my student loans discharged due to fraudulent practices while I attended XXXX XXXX. In XXXX of XXXX I got a decision that my borrower defense was denied, and I therefore had filed a reconsideration in XXXX of XXXX and in XXXX of this year my borrower defense application had been approved under XXXX XXXX XXXXXXXX, when I called both the Borrower Defense unit as well as XXXX I was made assured that my student loans would be discharged in full and I received an email advising of same. A few days later however I got a letter from XXXX telling me that only XXXX would be discharged. I feel that this is the Department of Education trying to get out of what they had promised they would do both on the phone and in emails. Ive got emails stating that my loans are indeed federal loans and my loan balance needs to be completely discharged I have documents but I will need to fax everything over because there are XXXX  pages
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

The three major consumer credit reporting agencies, XXXX, Experian and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me in accordance with The Fair Credit Reporting Act.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Inquiries I don't recognize : 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 2023-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (CA)

Sun rise creditor keep calling every day about a XXXX  account I told them I dont know nothing about they call me from multiple numbers about a debt from 2021 I think the amount is XXXX or XXXX dollars Im not sure I have no contact with them and I will like for them prove a contract and there threatening me if I dont pay they will put it on my credit report
Consumer complaint received 2020-07-30
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. (TX)

XXXX is showing 2 items in dispute and TransUnion and XXXX are reporting 1 account in dispute. I have not disputed these accounts and wasn't aware of that status until a lender pulled my credit report. I mailed a request to all three bureaus requesting they remove that verbiage from my credit file and they have not done so and it has been over 45 days since it was requested. Both accounts are in great standing so there would be NO reason to dispute them.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BARCLAYS BANK DELAWARE (AR)

If account has been Charged off, please provide a 1099 and all statements that have my full name ( XXXX XXXX XXXX XXXX ) and address of my drivers license. If you can not provide this, please delete from my credit report.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2020-07-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted all proper documentation in reference to my Identity Theft claim on XX/XX/2020 ... and nothing has been done per FCRA section 605B in regards to identity theft. I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I sent a letter out on XX/XX/2023 to Experian, XXXX and XXXX. However it's been more than 30 days and the credit bureaus failed to send my investigation back. 

This is not making sense at all. According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of an item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of disputed information, or delete the item from the file in accordance with paragraph ( 5 ). before the end of 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.