davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation (CA)

Aspire credit card company. 

I applied credit card. Few weeks later.on XX/XX/XXXX I got email that card was activated. I never did that so I called credit card company immediately to report someone activated the card. 
Next day and every day I get email that someone use the card. Everydtime when I get email I call them to report whats going on. 
My XXXX time call to credit card company. The representative tells me card was activated on XXXX and I reported stolen card on XXXX. 

My job was done when I report on XXXX Im not responsible for the mistake for ignoring or intentionally ignoring the necessary job. 

I called everyday since XXXX I am very surprise how dirty way to try to earn innocent customers money.
Consumer complaint received 2020-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

I received a letter from my mortgage company Mr Cooper dated XX/XX/2020. This letter came as a result of me paying my taxes late in XX/XX/2020. The attached letter states that " they may require escrow '' for taxes on my account. " In order to avoid creation of an escrow / impound account, you must act within 30 days from the date of this letter '' " If payment has been made, please forward a copy of the front and back of your cancelled checks or copies of the paid receipt ( s ), along with the coupon located on the next page, within 30 days from the date of this letter ''. Well within their 30 day requirement on XX/XX/2020 I emailed Mr Cooper, using the email address they provided, with the required documentation confirming my taxes were paid as well as the late payment assessed to me by the county. You can see the Late Payment Receipt in the attachment is dated XX/XX/2020. This email is time stamped in my computer so there is no dispute as to when I emailed Mr Cooper. I sent this email well within Mr Cooper instructions of 30 days from the date of their letter. I followed Mr Cooper 's instructions yet Mr Cooper forced Escrow to my account. I have made several phone calls to Mr Cooper requesting that this situation be resolved and XXXX be removed from my account. Today is XX/XX/2020, 6 weeks after I emailed Mr Cooper with the documents they required, and I was told by the " escalation '' representative that my account will more than likely be forever escrow 'd. The Rep told that other customers were forced escrow for being {$3.00} late and that account was denied resolution.
Consumer complaint received 2021-04-09
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: Navient Solutions, LLC. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN INTERNET MORTGAGE (SC)

I submitted an application to refinance my personal home mortgage. Wanted to take advantage of the lower rates and refinance for 15 year term instead of the curent 30 year term. I have excellent credit, a good job, plenty of cash in a savings account, and more funds in a XXXX I have very little personal debt. No credit card debt and one car loan for approx. $ XXXX. 

After submitting all of the documentation, I was told my loan was approved and just waiting to schedule closing. I sent several emails inquiring about the closing date. I travel frequently for my job and wanted to schedule closing so it did not conflict with my work travel plans. 

XXXX has so many loans to close, they basically didn't have time to get my loan closed. Now they claim the rate lock has expired and I need to lock my rate again, of course it will be higher. It's not my fault the rate expired, they caused the delay. I feel that they should honor the original rate and I should not be forced to accept a higher rate due to their delay. 

I don't even know if they would have told me. I just kept emailing them and asking about when the loan could close, magically the rate needed to be locked again. 

I can provide any documentation that you need. I have all the emails.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Please note, this is not a duplicate complaint and I am not using any thirds party for this matter. I'm sending this complaint due to new evidence. I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original application like I asked. Please correct my Credit Report on XXXX and this account must be deleted from my report - XXXX XXXX XXXX.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (CA)

In XXXX of 2020 I signed up for Experian CreditWorks Premium product to improve my credit score as I was trying to refinance my house.

I have been following Experian 's guidelines and filled in Experian Boost details to improve my credit scores to " Good '' range, which is defined as 670 - 739 range. 
On XX/XX/XXXX Experian reported to me that my credit score is over 700 ( Good range ) and I applied for refinance loan, however my application was denied, the loan issuer said that my credit score was too low, below 700 ( they would not provide exact details ) I demand return of my membership fee since Experian lied to me and reported different score to vendor.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance the Fair Credit Reporting act. The account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. 

XXXX XXXX, 15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A, section 2. States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse items of information, other than records other than records of convictions of crimes which antedate the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2021-06-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

My brother-in-law, XXXX XXXX XXXX, passed away on XX/XX/XXXX. I was named and accepted the responsibility of serving as Successor Trustee for the revocable trust XXXX set up for his XXXX XXXX surviving child, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revocable Trust ). XXXX had a savings and checking account with Santander Bank set up under the name of the trust. I submitted a request for the funds as the successor trustee on XX/XX/XXXX. Santander Bank has refused me access to those funds saying that a prior trust account exists on their record. They have refused to provide me with any other information to help me straighten this out and have refused to provide me with any formal response regarding my request. I was told on XX/XX/XXXX that a written response from their legal team would be forthcoming but nothing has ever come. Their representative, XXXX XXXX, has provided no help or advice, has been unresponsive to requests for a formal written decision regarding the matter and has shown no concern for the fact that these monies are needed for the care of a now parentless XXXX XXXX  child. He has given me the run around time after time. This despite the fact that we agree on the following facts : 1. The accounts are titled XXXX XXXX XXXX XXXX XXXX XXXX. I am the legally established Successor Trustee for the XXXX XXXX XXXX XXXX Revocable Trust and have submitted all necessary documentation to support that 3. Although the checking account in question was set up in XXXX the savings account was set up in XXXX, after the existence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that their records show the existence of a prior trust in XXXX but will not provide any information regarding it. This is hard to believe as my sisters death in XXXX prompted the arrangement for a trust in the first place. Also, there is no one else connected to the family who could possibly be a successor. XXXX was estranged from his sister in Florida for many years and I know for a fact that his brother in California, my two sisters and brother are not named. There is no other related or interested party, period. Who Mr. XXXX intends to turn this money over to is a mystery to me and he refuses to help despite the needs of the surviving child.
Consumer complaint received 2021-06-05
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I was already promised to be paid back for an unauthorized transaction that was made on my XXXX XXXX XXXX prepaid EDD debit card therefore I thought I would be getting my money back with him to XXXX  provisional credit days a lot of from XXXX XXXX XXXX I have been on the phone 15 times in the past 10 days and they said the on the second when I initially opened up the claim about the unauthorized charges of over {$900.00} that I would be receiving it on my new card as soon as I have in my possession I would have my all my money back that is not the case they lied to me and they are keep on running me around in circles and now I'm broke and can't pay bills
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XXXX my XXXX account was compromised & a purchase was made on my XXXX  account using my debit card. The thief bought a XXXX camera for {$490.00}. He had it shipped to a address in XXXX Florida, I have lived in XXXX XXXX Florida my whole life. XXXX is over 7 hours away from my home. I got a email from XXXX immediately but, I did not notice this transaction until 2 days later on XXXX. By this time the item was already on its way to the thief. I immediately filed a dispute with my bank CHASE and also contacted XXXX. This transaction does not show up on my XXXX which is weird because I have never had my debit card information on XXXX itself, I always use XXXX. This is odd because when i make a purchase with XXXX I always receive an email from them, I did not get an email from them for this transaction. CHASE sent me a temporary {$490.00} while the claim was investigated. On XXXX I received a letter from them that they concluded that the transaction was authorized and they would be taking the {$490.00} back. I find this very unfair as I never authorized this transaction and I live nowhere near XXXX nor do I have family or friends there. Please help me out, it is a lot of money and I work hard for my money. Thank you.
Consumer complaint received 2021-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Hello, I got scammed on my XXXX  account, XXXX XXXX a hacker ) messaged me saying if I wanted to convert my money into 10x more, I trusted her becase my cousin had already made a video thanking this person, so I sent her XXXX after sending her the money she told me she had a better deal that if I sent her XXXX more shell send me XXXX I sent her the money and after that she told me I just needed to send her a 15 second video thanking her for the money just to find out this was all a scam, after this my XXXX got hacked and she uploaded my video making some of my friends fall for it too.
Consumer complaint received 2021-05-21
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. (KS)

On XX/XX/2021, I sent TransUnion a letter disputing two accounts on my credit report. Both accounts were also in dispute with the original creditor as well. TransUnion has failed to respond in a timely manner as required by FCRA. The letter was delivered USPS Certified Mail with return receipt : XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/2021, I sent TransUnion a letter disputing fraudulent and unauthorized inquiries on my credit report. I have disputed these fraudulent inquiries several times in the past two years. USPS Certified Mail with return receipt : XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/2021, I called TransUnion and spoke with a senior supervisor. She verified receipt of both letters and would not disclose why the are not responding to the first letter. She checked my file and verified they do have a copy of the FTC affidavit and police report on file documenting that I am a victim of identity theft. The TransUnion representative clearly indicated on the phone call that TransUnion will not remove inquiries from my credit report, regardless if they are unauthorized or fraudulent or resulting from identity theft.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

CitiBank provides an online means to pay your bill. The site has general selections to pay your bill that are as follows : Minimun due - This is the minimum amount you must pay to avoid going late.. 

Last Statement Balance - This is the amount you owe from your most recent statement dated ( Month day, year ).

Current Balance - This is the total amount you currently owe.

Custom Amount My issue is with the statement that the current balance implies that it is a total of what you owe to pay off your debt. In speaking to two different representatives, one via instant message offered on their website and one over the phone on a recorded line, This is not a current amount and I was charged interest on the previous two months statements. I was also informed that the interest is accrued daily but is charged to the account at the end of the statement period. I asked then what is the difference in having the options to pay the " Last Statement Balance and the Current Balance? '' I was told that the interest was not previously in the " current balance. '' When I asked the representative on the phone what current means to them they agree that it meant up to the day. I asked why they couldn't then have had the previous two statements interest already calculated in the current balance since they accrued it daily. I was apologized to for the confusion but was never answered about why there was an option for paying the Last Statement Balance and a Current Balance when there was nothing current about the " current balance. '' This is not only misleading but an outright lie. If you can accrue the interest daily then it should not be that difficult to provide the current balance you are showing as a payment option to make it a factual current balance. For the record if the interest was included in the " Current Balance '' when I chose that payment option I would have included it in my payment. To add insult to this I was informed that the interest was from an amount that was roughly half of my last two statements and so even saying that is where the interest is accrued from is a lie.
Consumer complaint received 2023-02-22
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: TD BANK US HOLDING COMPANY (MO)

In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. XXXX XXXX XXXX, Nordstrom/TD Bank XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX is closed on my XXXX and XXXX report, but Experian keep the account open Due to XXXX XXXX lies! My husband passed away and they took the car before hand in.. I live on SS and from the state raising a child. He died with no life insurance, he had nothing. Each credit report shows different collection, then the other.
Consumer complaint received 2020-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (KS)

Since being placed with University Accounting Services for my Stafford loan. There has been nothing but trouble. Last year they continued to report incorrect information to XXXX XXXX. I would continuously dispute it would be good and then the next month they report it again. Now the continue to add payments do in the same cycle after I pay. I called and the say it will be fixed and it is not fixed. I am concerned they are going to say I have a late payment which would be false. Lastly, their statements are not easy to understand they have random large interest charges then a bunch of reversals its like they dont know what they are doing.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

In accordance with the Fair Credit Reporting act. XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX, has violated my rights.
Consumer complaint received 2023-03-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

On XXXX/XXXX/2020, I was charged a {$95.00} annual fee for the upcoming year. I called in on XX/XX/2020 to discuss my options and decided to cancel the card since I did not think the benefits were worth the fee. I was told the annual fee would be refunded, but it has not been processed and my payment is coming up.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privace and confidentiality under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 

15USC 1681 section 602 A. States I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information of any adverse item/s of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) 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 inacurate.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (WV)

I discovered Experian has been taking money from my bank acc since XX/XX/2018 for services I never even knew about or wanted. I called them and they said theyd reimburse for 1 months payment {$23.00}. They said Id have to get my bank to dispute the rest. Well the bank can only dispute 1 month. Ive been deceived and am out around {$750.00} that I need! Im on social security and I dont waste my money on this kind of unnecessary stuff. Please help me get my money back! I certainly appreciate your help!