davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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: I.C. System, Inc. (AR)

I asked this company over 5 times to send me a break down of this supposed bill they claimed I owed. I never got anything from them. They slap this account onto my credit report causing me to get denied for my home loan. I reached out to them several times and they kept referring me to the collection agency they sent me to which in return referred me back to the creditor. This bill came from a doctors office which violates HIPPA and I know for a fact I refuse to sign any disclosing of my personal business. they expect me to pay something that goes against the law and I don't have a debt validation either.
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (SC)

I have never received worse customer service from a company than I have received from Amerihome Mortgage Company LLC. Been dealing with an error ( their mistake, they did finally admit that ) in my escrow related to property taxes. The taxes are all paid and the escrow account is back to where it should be, but they have been jerking me around since XX/XX/2018 in regards to fixing my payment. Ive talked to every supervisor in the building it seems but they are the most inept people Ive ever had the displeasure of dealing with. The worst part is I dont have a choice, they bought my loan from the original provider, so Im stuck with them. Just this week they have agreed to accept payment in the amount of the original payment, but then charged me a fee for processing the payment over the phone. They would not provide contact info for a supervisor over the first level and purposely refused to offer me the chance to take a customer service survey at the end of the call ( even though they always asked in the past ). In the beginning I was annoyed but everything was working out exactly like they said it was going to so I wasnt worried, now ... Im just angry. I dont wish any harm on anyone, but I swear I hope their building burns down and the company goes out of business. Useless wastes of oxygen, the lot of them. Still waiting as they say it wont be fixed until XX/XX/XXXX ... .4 months since this started ... through no fault of my own. So if you have a choice, go elsewhere ... if youre like me and dont have a choice ... XXXX for mercy I guess, what else can you do?
Consumer complaint received 2022-08-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (GA)

15 U.S.Code {$1600.00} ( 0 ) - right to rescind after 3 years Rescind paper work was never furnished 15 U.S.Code {$1600.00} ( b ) - right to rescind and keep the property 15 U.S.Code {$1600.00} - Finance charge defined Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. Service or carrying charge. Loan fee, finder 's fee, or similar charge.

15 U.S. Code $ 166z ( b ) - mixing cash with consumer credit transaction I was mislead into this deal and car was taken under law I am entitled to entitled to two times the amount of the finance charge which was {$27000.00}, {$1000.00} for all additional violations, and or they can receive up to 1 year in federal prison for false and misleading information and illegally repossessing the vehicle. I want this debt completely removed from credit report and to be compensated for illegally and wrongfully leading me into this contract and unlawfully repossessing vehicle
Consumer complaint received 2019-09-18
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: CORELOGIC INC (PA)

CREDCO is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Upon checking my credit report, discovered a collection item from XXXX XXXX XXXX XXXX. At that time sent letter advising company to verify this item by providing some contractual obligation to pay bearing my signature. This letter was sent XX/XX/XXXX. After waiting the appropriate time to hear back from this company, I began communicating with the credit bureaus directly. On XX/XX/XXXX, a letter was sent to the credit bureaus advising this company had not responded to my request.. All credit bureaus responded stating they would go initate an investigation based on information provided.In XXXX, received communication from credit bureaus stating that information had been verified as accurate. On XX/XX/XXXX a letter was sent to credit bureaus requesting they provide procedure used to determine accuracy as well as any documents bearing a my signature, showing that I have binding contractual obligation to pay. To my disappointment, the credit bureaus again responded back stating item was verified as accurate. Another letter was sent on XX/XX/XXXX, again requesting documents bearing my signature, showing contractual obligation. Again the credit bureaus responded back stating item was verified as accurate, and that I needed to contact the company myself. According to guidelines, the burden for verification of accuracy is on credit reporting agency, the credit bureaus.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The accounts listed have violated my privacy and confidentiality rights under the Fair Credit Reporting Act ( FCRA ), a federal law ( 15 USC 1681 ). Specifically, the issue with XXXX XXXX XXXX XXXX BANK XXXX XXXX under 15 USC 1681 section 602 A, safeguarding my privacy rights. Additionally, according to 15 USC 1681 Section 604 A Section 2, any company reporting on consumers, myself included, can not share information about my accounts without my written consent.

Furthermore, 15 U.S. Code 1681a clarifies that a " consumer report '' doesn't include information solely related to transactions between me and the reporting company. Also, in line with 15 U.S.C 1666B, a creditor is not allowed to mark a payment on my credit card account, within an open-end consumer credit plan, as late for any reason.
Consumer complaint received 2019-09-18
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. (PA)

AMERICREDIT FINANCIAL SERVICES is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2019-01-31
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. (CA)

XXXX is reporting on my XXXX and Experian credit bureuas, and according to the State of California and CFPB, these accounts are no longer my responsibility. I want this account removed from both credit bureaus. 

https : //oag.ca.gov/system/files/attachments/press_releases/nXXXXcomplaint.pdf http :  //www.consumerfinance.gov/newsroom/cfpb-sues-XXXX-for-illegal-online-loan-servicing/
Consumer complaint received 2022-08-19
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. (IL)

XXXX accordance with the Fair Credit Reporting act XXXX  Account Names XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 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 instruction
Consumer complaint received 2022-03-09
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

XX/XX/XXXX : I receive a call from the USAA fraud department regarding a run of suspicious transactions totaling almost {$800.00}. I report the purchases are not mine and I report my card in my possession. The purchases are refunded and replacement cards are mailed out. No further investigation is conducted on my end. I concluded my card had been cloned since the card was still in my possession. 

XX/XX/XXXX : Nearly three months after the incident, my wife receives a call from a USAA fraud investigator. Given the time that has elapsed, she is confused about the call and suspects it is a spam call. She states her card is in her possession, not realizing the investigator is talking about the card that was replaced nearly three months ago. I speak to the investigator separately and he tells me he needs to deny this claim because the transactions were " chip-present '' transactions and we had both reported the cards in our possession. I tell the investigator this is news to me to and that I need a little more time to talk to my wife and figure out what happened. He tells me he needs to close the case but I can call USAA and speak to member services if anything new is discovered once I retrace my steps that day nearly three months prior. He advises me I can also request video footage from the day of the incident, however, since almost 3 months had passed since the time I reported the fraud, and the day the investigators called me to deny the claim, video footage was no longer available. 

Upon speaking to my wife, we first realize these charges were to her physical card, not mine, despite the fact that USAA called me back in XXXX to ask about the suspicious activity and never spoke to her and asked if the card was in her possession. We retraced her steps that day and found she was at her office in XXXX XXXX most of the day. It would have been possible to lose it there. Again, nobody from USAA directly asked her if she had the card in her possession at the time the fraud claim was submitted, despite using it as a basis to deny the claim. 

The fraud investigator should have offered more time to gather details from an incident that occurred nearly three months prior to his call. Instead, he said we could take or time to figure out what happened and then contact USAA again. However, this has proven impossible. I have tried to contact USAA about this claim 5 times since XXXX. Despite spending several hours on the phone with USAA, there is nothing else they can do for me at this time, despite our conclusion that my wife did not have the card in her possession at the time of the fraudulent charges. Her card was stolen on that day and she never realized it was missing because USAA called me about the suspicious activity when they should have called her because the charges were on her card.
Consumer complaint received 2019-04-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America Auto Loan Issue 1 : Have been a BofA customer since mid-XXXXs. Have multiple products. Applied and was pre-approved for a {$30000.00} auto loan some days before XX/XX/XXXX. The offer came with a number I used to show the dealership. The first problem was that the dealership had troubling contacting the auto lending arm on XX/XX/XXXX, when i purchased the car. The dealership used the pre-approval # furnished to complete the paperwork and i signed and left the lot. The following Monday the dealership called to let me know that the Bank did not approve of the " new '' car rate but higher " used '' car rate because the car was new but from the previous calendar year. It was very inconvenient but more problematic, had I know the higher rate would be applied, while at the dealership, i may have bargained for a lower alternate financing offer, but at that point it was too late ; we only wanted to close the deal and go home. Had to drive across the county to sign new paperwork. 

Issue 2 : The pre-approval message is electronic and provides a " new '' and " used '' rate and does not define that in the email message. The customer has to click a link in the email message to get to an agreement letter. The information you need to figure this is out is on page two ( have to click to next page or scroll ) of the agreement that you click on. It is very difficult to find and there is no reason why it should not be spelled on in the email message that even new cars from the prior calendar year are not eligible for the " new '' car rate. 

Issue 3 : It was nearly impossible to get to customer service for the auto lending division. It is not connected to the main bank. You have to use a different set of numbers and i tried over two days, no less than three times, with crazy wait times to finally speak to a loan officer who could explain the issue and could do nothing about it. 

Issue 4 : How come a XXXX ( previous year ) car with 22 miles on it can be considered " used '' by a finance company when purchased in XX/XX/XXXX? Its not as if the manufacturing made any significant changes in the safety or other features of the car. It is completely arbitrary and outrageous. Three years maybe, five years definitely, one year - not at all. 

In the end, i have a new car and a new loan. But this process is terrible and a lot of problems could have been avoided. Can't imagine how other customers have dealt with this.
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (KY)

I have had an account with American Express Credit Cards for over 6 months. I have had a {$10000.00} line of credit with them since opening the account. I have a {$4000.00} balance on the account and all payments have exceeded the minimum monthly payment due and have been paid prior to the due date, with no late payments ever. 
On XX/XX/19, I received an email informing me that they lowered my line of credit to {$4400.00} for no reason. I replied to the feedback link they sent in the email, as they wanted my feedback. I explained that this was completely uncalled for and an unfair business practice. I additionally asked about how to file an appeal and how that process works. 
I have received no response and would like this this looked into please. I have never had any missed or late payments on any of my credit accounts.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WA)

P.O.C - Multiple Chase Bank members involved. 
Main contact - Bank Manager - XXXX XXXX ( XXXX, WA ) ================== In XX/XX/XXXX, I booked this flight through XXXX. At this time the covid pandemic had hit globally and a lot of countries were placing travel bans including my origin country ( USA ) and destination ( XXXX ). I did not take this flight and like many airlines, XXXX  offered travel vouchers in case of flight cancellations. This flight was booked with 12k miles and {$1000.00}. XXXX offered a voucher for {$1000.00} with the condition to use it within 24 months and if unused they would refund the amount back to the original form of payment used to book the flight. Fast forward to XXXX as the covid cases were on rising, I did not use this voucher for our travel needs anywhere globally. XXXX now refunded this amount of {$1000.00} in XX/XX/XXXX. I had booked this flight using a Chase credit card in XXXX but by XXXX this card/account was closed. Hence, XXXX 's refund was never received back to the credit card or given to me. Since XXXX, I have been trying to follow up with Visa, Chase, and XXXX. After endless customer care calls, filling complaints, visiting branches, and follow-up letters I have not been able to get a resolution from Chase. As per XXXX, they made a refund on XX/XX/XXXX. The transaction number is in the attached emails. Chase responded that they sent the funds back but they fail to provide a transaction number which I can show to XXXX. XXXX has shown their transaction was successful. Please assist in retrieving our money from Chase. It has been 2 years since the flight and almost 10 months since the cancellation refund. Thank you. 

====
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was able to follow up withCapital One. Their Representative XXXX contact me on XX/XX/XXXX regarding my complaint I submitted XXXX. I call back and left voicemail message on XX/XX/XXXX. She didn't return my call, on XX/XX/XXXX. I call Capital One again. The Representatives tranferred me to Ms. XXXX extension, due to her phone continued going to voicemail. After speaking to Ms. XXXX she stated my account was tranferred to XXXX at ext. XXXX. Ms. XXXX tranferred me to Ms. XXXX. I begin explain to her my concerns in regards the complaint in question. Ms XXXX stated misleading & false information. That when I applied for Credit Card. I did not add rider XXXX XXXX XXXX. She stated that Capital One didnt not offer XXXX XXXX XXXX in XX/XX/XXXX, when I applied. Her statement was untrue, I ask to add riders XXXX XXXX, because I had previous Financial Problems and I wanted to make sure that my Credit Card would be protected if I had any future unexpected Financial circumstances. I didn't reach Capital One started cancel credit protection insurance XX/XX/XXXX. Ms. XXXX conduct was unethical. She became hostile and agressive when talking to me her conduct was unprofessional. Because I explained the information she was stated was false and misleading. I decided to end the call and hangup on her. I became upset and stress. This cause me to have a flare up un regards my health. She was not helpful and rude. Capital One Record all their conversations. The Managerment Executives should retrieve and research their voice recording records for playback. 

Thank you for your prompt attention regarding this matter.
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: A.R.M. Solutions, Inc. (MD)

I cancelled an account with the XXXX XXXX and later received a letter from ARM Solutions about a debt collection for {$10.00}. I was never informed of any outstanding balance from the XXXX XXXX at the time I stopped the service and paid the amount owed to ARM Solutions but I wanted to make someone aware of the situation before it happens to someone else.
Consumer complaint received 2022-05-04
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. (VA)

In accordance with the fair credit reporting act XXXX  Equifax, XXXX and XXXX have violated my rights. 
15 USC 1681Section 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 account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose. 
All late payments from my credit report must be deleted
Consumer complaint received 2019-04-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (AL)

I updated the automatic payment information with our mortgage company to automatically withdraw {$390.00} from our bank account. I received an email notification on XX/XX/18 that the information was updated. Somehow, the automatic payment information was removed from our account by the mortgage company and we were not notified. We received no email messages or phone contact from the company until, on XX/XX/18, I was informed that we were in collections. We paid the overdue mortgage of {$800.00} on XX/XX/18 even though the error was not on our part. The mortgage company refused to remove the collections report from our account, even though we submitted the exact same information for the automatic draft and have had no issues since.
Consumer complaint received 2019-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: GATEWAY FIRST BANK (OK)

Gateway Mortgage is the loan servicer on my loan, but they have made a complete mess of my mortgage and will not rectify their accounting errors. They claim that I am 13 payments past due, but I am not late a single day on my mortgage. I have never been in financial trouble or have I had any money issues since I purchase my home and have made every mortgage payment on time. I was hopeful that they could quickly fix the problem, but it appears that their Accounting Department can not get this corrected and now my loan is in foreclosure. I make plenty of money as my mortgage payment is only about 15 % of my gross income. My job is extremely stable and I have been there for about five years. My mortgage payment is around {$480.00} per months and I send them money orders every month. I can provide proof of payments if need, but they should be able to fix this on their own. It is very unfair that they publicly announced that I am a deadbeat payer and am in foreclosure. I am extremely upset by their actions and need them to fix this matter as soon as possible. Please reach out to them and help me get this rectified. I just want this problem that I did not create to go away and move on with my life.
Consumer complaint received 2018-11-10
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. (MO)

I want a reinvestigation into one of my disputes with the account XXXX XXXX. This item should not be on my credit report and would like another investigation to get it removed please.