davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Dear Consumer Financial Protection Bureau, CFPB : 1. XXXX XXXX XXXX OWES ME {$1800.00}, ALL XXXX XXXX XXXX ACCOUNTS CLOSED WITH {$0.00} ( XXXX ) BALANCE. I DO NOT OWE XXXX XXXX XXXX AND XXXX XXXX XXXX TRIED TO EMBEZZLE ( STEAL ) {$720.00}. XXXX XXXX XXXX XXXX  IS SENDING HARASSING LETTERS TO MY HOME ADDRESS AFTER I HAVE INSTRUCT THEIR XXXX-XXXX   COMPLIANCE GROUP MANAGER VICE PRESIDENT, XXXX XXXX AND SPECIFIC OTHERS TO NOT CONTACT ME. MRXXXX XXXX XXXX XXXX CAN CONTACT ME AND ONLY THROUGH CFPB BUREAU. 2. XXXX XXXX XXXX, XXXX, IS FALSELY REPORTING I OWE THEM {$2000.00} WHEN I DO NOT. I DEPOSITED A VALID CASHIERS CHECK IN THE AMOUNT OF {$690.00}, AND I WITHDREW AND MADE PAYMENTS TOTALLING {$690.00}. I DO NOT OWE THEM. ALL XXXX XXXX XXXX, XXXX, NEED TO REFLECT {$0.00} ( XXXX BALANCE ), ALL ACCOUNTS CLOSED. 3. XXXX XXXX IS FALSELY REPORTING I OWE THEM {$34.00}. I DO NOT OWE XXXX. I MADE A DEPOSIT OF A VALID CASHIERS CHECK IN THE AMOUNT OF {$34.00}. XXXX IS REFUSING TO CLOSE MY XXXX ACCOUNT THAT I TOLD THEIR XXXX I DO NOT NEED NOR WANT. Dear XXXX XXXX XXXX XXXX CEO Mr. XXXX XXXX XXXX : Please do not have your employee, compliance group manager vice president, XXXX XXXX contact me again. I received a third letter from her after requesting she stop contacting me including communication through the consumer financial protection bureau, CFPB. Mr. XXXX, your employees tried to embezzle VALID CASHIERS CHECKS FROM ME TOTALING {$720.00}. THEY GRAVELY INCONVENIENCED ME ( REALLY AN UNDERSTATMENT ) AND CAUSED ME MUCH GRIEF AND HARM. EFFECTIVE IMMEDIATELY : XXXX XXXX IS TO CEASE AND DESIST WITH ANY FURTHER COMMUNICATION INCLUDING BET NOT LIMITED TO MAIL, LETTERS, EMAIL, FAX, PHONE, CFPB PORTAL, ETC. ). HER CORRESPONDENCE IS HARASSING AND ANNOYING. DEMAND : XXXX XXXX XXXX NEEDS TO PAY ME {$1800.00}. I ATTEST, AFFIRM, AND CERTIFY THE STATEMENT AND INFORMATION IS VERY ACCURATE, VERY TRUTHFUL. Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-02-08
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. (IL)

My name is XXXX XXXX, and I am compelled to submit this complaint due to the repeated unauthorized attempts to secure an auto loan using my credit profile. The numerous inquiries on my credit report are alarmingly high, posing a significant threat to my financial well-being. It is imperative that immediate action is taken to safeguard my credit. Therefore, I kindly request the placement of an extended fraud alert on my credit file. Furthermore, I emphatically request that no financial transactions or approvals be granted without my explicit consent. 

For any inquiries or account openings, I insist that you reach out to me directly at XXXX prior to any action. Your cooperation in ensuring the security of my financial affairs is greatly appreciated. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

Cardholder alleges that : - Upon check-in at XXXX XXXX XXXX XXXX on XX/XX/2019, he was asked to prepay for his two-night reservation in advance, which he did - Upon receiving his room, he immediately complained about noise due to thin walls, cold room, and overall substandard quality for a winter hotel branding itself as a 5-star property - Upon receiving a replacement room, he suffered a cold night in the middle of XXXX in a barely heated space on the night of XX/XX/2019 - Problems persisted on XX/XX/2019 culminating with water shutoff to the top floors due to insufficient water pressure, causing cardholder to leave the premises on XX/XX/XXXX, and stay at an alternative hotel on the XX/XX/2019 ( receipt attached ) - XXXX XXXX XXXX XXXX lied about cardholder staying two nights, despite alternative hotel receipt, and camera footage from reception desk proving leaving the property - All of the above information has been furnished to Chase - Cardholder has since tried to remedy by contacting the XXXX XXXX XXXX XXXX for resolution - In response to the Consumer complaint, hotel has acknowledged its deficiencies and provided as a goodwill gesture a voucher for two nights with restrictions the voucher has been declined with letter attached, and full refund requested again - All documentary evidence is attached to this claim ( receipt for alternative accommodation for the night of XX/XX/XXXX, copies of voucher offered by hotel and since declined, grievance correspondence with the XXXX XXXX XXXX XXXX, photos of dry faucets during mid-winter water shutoff, and original hotel receipt ) - Chases performance on the claim was inconsistent and marred by multiple agents asking for repetitive information and providing conflicting advice - Chase has failed to adequately contact the vendor for resolution, and only accepted the vendor receipt as evidence, while declining to accept pictures showing water was turned off ( hotel does not deny water shutoff ) - Chase decisioned the claim with prejudice in an effort to hastily put a closure to the claim following the path of least resistance - Chase failed to uphold its prior standards of being known for customer care and siding with the customer when justified - In a final phone call, Chase failed to inform the cardholder about his right to arbitration even when asked about next steps
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (FL)

When applying to refinance my vehicle, the lender reported equifax had no record of me. 
I called Equifax and they agreed-I had no credit or report. I am a homeowner, business owner, and have my background and credit pulled annually by government contractors. 
Equifax was absolutely no help as their phone operators and management could not speak english well enough for me to understand what they were saying. Can anyone suggest a remedy to this frustrating experience? 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (MA)

In XX/XX/XXXX, I filed for a loan modification because of a {$92000.00} loss in revenue I suffered due to a jealous employee. I have made many calls to Amerihome and each of those calls were inconsistent with the previous. This was so alarming that I believed Amerihome was purposely misleading me so as to to take my home. Terrified, I sought the advice of an attorney and was advised to contact HUD and record names, I.D . numbers and dates. Back in XXXX I called in to make a {$5000.00} payment, however, the person I spoke with indicated I couldn't make a payment while in loss mitigation. As well, on XX/XX/XXXX I  spoke with Ms. XXXX # XXXX she told me to send equipment loss documentation as well, she told me because my balance was so high that I probably would not get a modification. On XX/XX/XXXX I spoke with Ms. XXXX # XXXX she confirmed the equipment loss docs had been received. However, when I checked in on XX/XX/XXXX Ms. XXXX # XXXX informed me that my file had been closed on XX/XX/XXXX and they were foreclosing, she also explained that Ms. XXXX should've made me aware of the closing of my file when I spoke with her on XX/XX/XXXX. Ms. XXXX advised that if I met certain criteria, I could have entered into a payment plan that would have allowed me to get back on track without having to go through a modification. In sum, I am very fearful of losing my dream home ... I've provided every document that has been asked of me. Noteworthy, there were serious omissions on part of Amerihome that would've changed the outcome. I had been back and forth with Amerihome for 9 months and was asked to submit the same paperwork over and over. When asked to speak to a supervisor, I was placed on hold for over 45 minutes each time. Amerihome is consistently inconsistent and their unethical and predatory practices are so apparent in all the complaints I have read. I never, ever received a response to my loss mitigation application that I have submitted three times over! It shouldn't take over 9 months to review an application and make a determination. They now tell me that I am in foreclosure after never even trying to offer me a solution or give me any results of my application. This is unfair! I have all of my submitted documents and proof of all of the faxes being submitted. I am extremely stressed and worried about losing our dream home and becoming homeless with my wife and son. I have contacted HUD, XXXX and a lawyer and I do not want to claim bankruptcy over such a nominal amount of money. I XXXX XXXX XXXX and have the means to pay my mortgage now that things are back on track but Amerihome seems to want to take my home and haven't given me the proper service.
Consumer complaint received 2023-06-13
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I checked my credit this morning XX/XX/XXXX to find out on XX/XX/XXXX I got two hard inquiries that I did not make one from XXXX  department stores the other from XXXX  XXXX on XX/XX/2021 it says they were made I believe my identity has bench hacked.
Consumer complaint received 2023-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

I former partner of mine I believe opened an account under my name for XXXX XXXX using my information. I was unaware of this account because I have several accounts with this bank already and thought it was for one of my authorized accounts.
Consumer complaint received 2021-07-20
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. (CA)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (GA)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2020-08-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (FL)

My complaint is related to the general, vague and subjective verbiage of this wording in the promissory note. 'Any origination fee amount in excess of 5 % is refundable on a prorated basis over the term of the loan when and if the loan is paid in full prior to its maturity date. ' I paid a 6 % origination fee and have paid the loan off almost 50 months early. I have called several times as well as sent several email communications to inquire about how the origination fee refund is calculated. I read the promissory note several times as well as looked on their website for specifics into how the origination fee refund is calculated. The verbiage is too vague, general and subjective. No one I have talked to can tell me how they calculate the origination refund. It is rather disappointing that representatives would not know how to explain what should be an easy calculation when it is referenced in the promissory note. I just want a clear understanding of how the refund amount is determined. Is it the difference between 5 % and 6 % prorated or is it the full 6 % prorated and what is the prorated formula?
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (AZ)

Contacted my lender to ask them why they had stoped AutoDraft with my bank on my mortgage payment which Ive had turned on for the last 5 years, my lender tells me that they looked at some public records and saw that my wife was filing for bankruptcy which is totally inaccurate. My wife has never filed for any type of bankruptcy ever. However, my daughter who have the same name as my wife but shes a Jr. is the person filing for bankruptcy so after I clarified this information with my lender, indeed lender admitted to me that they had made an error on reporting inaccurate information so I asked them to fix the issue and they suggested I file a dispute with the 3 credit bureaus assuring me a faster response through them to fix this error which I did I started a dispute with the 3 credit bureaus but 3 weeks later my lender fought this information against me stating that the information the have is accurate and wont fix their own error even though they admitted to me their error over the phone.
Consumer complaint received 2020-12-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I have a student loan with PenFed, my Member Number : XXXX. This lender website does not allow borrower to choose what to do with any overpayments. Any overpayments are apply to future monthly payments and thus treats student loans as a mortgage. Borrowers are not allowed through the website to make payments to the principals and thus reduce their debt or pay it before the payment schedule as permittable by law. 

The website asks you to call a number XXXX waiting time around 20 minutes. They then tell you that you are not allowed to pay the principal online because you might get confused. And they also inform you that any payments to the principal, which can only be made over the phone, has a {$5.00} fee. 

If people are constructively blocked from applying their extra monthly payment to their principal, they are prevented from prepaying their loans. In fact, that is worst than a prepayment fine. 

XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion credit reporting agency keeps fading in my file that my student loans have gone up in interest rates and that I currently have a negative balance of {$3200.00} every time I turn around once a month they have reported that my interest has gone up in my student loans which I know are in forbearance due to everything going on in our country right now I have reached out to them three times by phone and by email and they never respond to me they just say oh I do not know what you're saying because we don't see the same thing at first I thought it was XXXX XXXX doing it on their own but then I found out it was not because it was TransUnion only they currently show that I have a balance of {$3200.00} in interest on my student loan and that it was reported by the student loan agency which I checked and it was not and I have asked them to remove it they did not remove it and my credit score dropped 8 points they are uncooperative
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-03-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: BlueChip Financial (WA)

Hi, A little bit ago I signed up for a loan with the tribal online lender named Spotloan.com because I received a pamphlet in the mail from them. I signed up on XX/XX/XXXX for monthly payments to payoff the {$800.00} loan in 3 months. Instead they signed me up for bi-weekly payments of {$140.00} at 490 % interest for a loan repayment total of {$3000.00} starting XX/XX/XXXX and ending XX/XX/XXXX. Just so you know this would mean every payment made would comprise of {$140.00} in interest and the rest to pay off the service. 
I called them to fix this and was told that they would so. Then on XX/XX/XXXX they pulled {$140.00} from my account, but sent it back. My bank account says they returned it. The spotloan online account for me said deleted. After which, they charged me a fee. I then called them and was told to call back later. Then again I was told later they would fix it. My bank account had identity theft in XXXX and had some direct deposit errors because of that so I didn't get to make another payment until XX/XX/XXXX for {$200.00}. The monthly bill still had not been fixed even after emails, and phone calls. Eventually I was told that even though they made the account error, they couldn't fix any of it because the system was locking them out. I tried talking to them about the returned payment, the account set up wrong, the fact that they can't just refuse money and charge me without even trying to help me resolve this. Sense the account was created tell the XX/XX/XXXX they sold my account to true accord for {$1800.00}. I need to have spot loans unlawful business practices brought to the light and have my loan be removed because of unlawful loan practices. 
Thank you,
Consumer complaint received 2021-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (CO)

I recently purchased some crypto  currency on gemini.com. After putting in {$750.00} I discovered I could not withdrawn my funds, just getting the notification " User Verification Pending ''. I have waited almost a month for them to supposedly " Verify my account. Doing some research online I discovered many others had had this problem and their money was held up indefinitely.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (WY)

I ordered a appiance package on XX/XX/XXXX. Appliance connection wouldn't give me any honest shipping info so I canceled it on XX/XX/XXXX. They never put the canceled order amount back on the CC so now the CC company is saying I owe the full amount. I have all the paperwork to so it was canceled.