davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Hi CFPB! 

First, very much appreciate you and other pro-consumer organizations. Without you, we'd be powerless ( absent expensive and time-intensive class actions ) to uphold our rights as consumers and Americans. Thank you Next, XXXX XXXX and American Express claimed when I was purchasing a ticket on XXXX that I would " instantly qualify '' for a new American Express credit card, and that when I did, I would receive {$200.00} in credit for a purchase from XXXX within 90 days, which of course happened to include my current purchase, among other benefits. Needless to say, I elected to apply, waited for a few moments, and then was told that I would need to wait weeks for them to process my credit card application. 

But wait. I had agreed to apply to an " instant qualification '', not to a lengthy process. Indeed, the offer was enticing exactly because I happened to be buying a XXXX XXXX ticket at that moment. It also so happens that to obtain some of the other benefits of using a XXXX card, i.e. free checked bags, I have to use that card when making the purchase. Since apparently I did not qualify for instant qualification, I of course could not use that benefit. I don't have any interest in buying a new XXXX ticket in the next 90 days ( and, of course, I didn't receive the actual card until XX/XX/XXXX, and since they say they issued it XX/XX/XXXX, I only have 60 days ), and apparently I will no longer be able to get the benefits of being a XXXX card holder for the ticket I did purchase. 

To make matters worse, in the mail in the interim, I received a MUCH better offer from XXXX, including XXXX miles and {$50.00} statement credit. When I called XXXX to explain that they were dishonest in their advertising, that I did not consent to apply once my " instant offer '' was apparently rejected, that I would not have applied had I known my instant application would be rejected, and that I subsequently received a better offer that I would have applied for, I was told, in effect, 'tough luck '. Apparently, I am no longer eligible for any offers from XXXX/American Express, because I " chose '' to apply for an offer based on false advertising that I didn't want. 

Finally, it so happens that I have excellent credit -- American Express reported that my FICO score from XXXX was XXXX. I thus rightly expected that if anyone were to receive " Instant Qualification or Approval '', I would. Similarly, if someone who has excellent scores does not receive approval, who does? What consumers of people actually get approved? Apparently, nearly 80 % of the country has credit scores 799 and below. If none of those people would qualify, it seems clear to me that advertising " instant approval '' to all consumers is clearly misleading and false advertising, absent clear and obvious disclaimers.
Consumer complaint received 2017-12-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a capital one credit card. Harvey hit back in XX/XX/XXXX and at the time after I had to make a new checking account. This card has always been in great standing and is paid on automatic draft. In XX/XX/XXXX I paid over XXXX to the card but forgot that I had to switch my checking account with everything going on with the disaster. capital one ended up saying I missed about even though I paid over {$500.00} XXXX and marked it to my credit. I am asking this be removed due to it affected my score and I have always been on time and # 3 I had already made a {$500.00} payment instead of {$24.00} Thank you for the help XXXX XXXX
Consumer complaint received 2017-02-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (WA)

They continued to charge my account even though I requested months prior, they discontinue my service. They continued charging me for service which i did n't have. It 's not right i am being charged for service i did n't have.
Consumer complaint received 2019-10-27
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. (IL)

Last year around XXXX, my bank informed me that my information had been breached and suggested that I change passwords and open a new account. I did this. However, I noticed my credit score dropping, and started receiving mail from debt collectors and other lenders regarding accounts that I had not opened. I tried to take care of these thing myself, but the credit reporting agencies didn't bother to listen. I seek your aide and guidance in helping me get these items removed from my reports. I am a victim of the Equifax data breach..
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX   XXXX  with a date of XX/XX/2006 and phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (FL)

XX/XX/2021 Td Bank charged me a late fee of XXXX dollars on XXXX finacing account. The payment was not due until the XX/XX/2021. I made my payment XX/XX/2021. I called them XX/XX/2021 ask them about the fee they said it would be automatically reversed off my account. They prematurely charged me a late fee before I was late. I asked if they can remove the late off the statement because I was never late. Ask to speak to a supervisor. They hung up on me. I need to show this statement for a different kind of credit application. But not with the late fee nor a statement reversal charge because I wasn't late. Now the days that the late charges where on the statement changes my compound interest on my deferred interest. And if I don't pay this promotion off in time they will accure more interest and more money off of me due to there error.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently received a copy of my credit report from one of the credit agencies. XXXX, XXXX or TransUnion. Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX, XXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] Two year payment history is erroneous and incomplete with all three credit agencies. 
TransUnion : 30 days late XX/XX/2022 & XXXX XXXX 60 days late. XXXX : 30 days late XX/XX/2022 and XXXX XXXX 60 days late. XXXX : XXXX XXXX  30 days late and XXXX  60 days late.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MD)

Someone -- I do not know who -- applied for a credit card in my name with JPMCB Card Services. JPMCB opened the account and I was notified about this probable fraud by Privacy Assist, to which I subscribe. I notified JPMCB that I never applied for a card with them and requested that they close the account permanently and note it as a case of fraud.
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IN)

My Student Loans were being serviced by Great Lakes but were transferred to Nelnet last year. When they were with Great Lakes, I paid them during the Covid Forbearance period and got them down to about {$42000.00}, I had 3 sets of loans, one for {$7000.00}, one for {$14000.00} and another for {$21000.00}. When they were transferred to Nelnet, it shows a balance of over {$45000.00}. It's like Nelnet did not apply any of the Covid payments. 

I've tried calling them but can not get connected to anyone. I've tried submitting a complaint thru their electronic submissions. I get no answers. This has been going on for months. I've asked for statements from the Great Lakes period, no response. I know it's law that financial institutions are required to keep a minimum of 5 years of statements on record. I want those statements. 

It was even a hassle just to get the tax information for 2023 with Great Lakes. I had to go off a digital message telling me the amount of interest paid rather than an actual tax form. 

I even tried reaching out to the Department of Education and got nothing.
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

A changed my name legally and opened new credit cards under new name. Everything was reported correctly until few days ago Transunion whiped our all information under my new name and attached it to my old name.
Consumer complaint received 2022-08-09
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: Self Financial Inc. (IL)

There is fraudulent activity appearing on my credit report. Address listed of " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX '' should not be associated with me. Loan opened XX/XX/22 with Self/XXXX XXXX for {$520.00} is fraudulent.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2021, I mailed certified letters out to XXXX, Tran Union, XXXX, and XXXX requesting them to remove Dept of Ed/ XXXX XXXX XXXX in the amount of {$170000.00} off my credit report. I only heard back from XXXX but they did not provide the original indebtedness in its original form. 

( I am disputing this account according to the FCRA for reporting incorrect account numbers not matching with only one open date. ) I've asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original { INK } signature.
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: NCB Management Services Inc. (NY)

according to me credit report this repo account has been sold to Purchased by a another lender. Unpaid balance reported as a loss by the credit grantor. Sold to : NCB MANAGEMENT SERVICES INC **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER This item showing XXXX times on my report, this is not my item and balances are showing to different amounts I have not received, ANY DOCUMENTS TO BACK UP THE INFORMATION, I REQUEST ORIGINAL CONTRACT UPON PURCHASE AND STILL NOTHING, THIS IS DEFORMATION OF CHARACTER AND IS STOP ME FROM BUYING PROPERTY IF THIS ISSUE IS NOT RESOLVED, I WILL HAVE TO CONTACT MY LAWYER AND SUE... PLEASE AGAIN I PERSONAL HAVE NOT SPOKE WITH COLLECTION LENDER NO DOCUMENTS HAVE BEEN SENT I NEED THIS FRAUDULENT ACCOUNTS REMOVED IMMEDIATELY
Consumer complaint received 2021-09-08
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: EQUIFAX, INC. (FL)

There was no sub category for this complaint so its probably miss classifieds. My complaint is against Equifax. I am filing this complaint just as additional evidence against Equifax in my lawsuit I am getting ready to bring against them. In the last few days I have had a collections account in the sum of {$800.00} to be removed from my credit report. My score increased significantly. Then today out of the blue it drops by 23 points. My score dropped today yet I had a collections debt removed from my credit report in the amount of {$800.00}. My credit usage decreased by 10 %. The total amount of my debts decrease by over {$100.00} and my score drops by 23 points. Equifax is once again retaliating against me because I exposed their lies and criminal activities. This complaint is purely to serve as evidence. I know the third part messenger service known as the CFPB will take no action against Equifax. Equifax is determined to make me rich. XXXX was sued a few years ago for the same reason I am suing Equifax and XXXX had to pay XXXX XXXX dollars to the plaintiff. Equifax continues to retaliate against me and violate my rights. There is no way my credit score can decreases by 23 points when a collections debt ( A fraudulent collections debt that Equifax knew was fraudulent yet chose to allow it to be posted on my credit report ) in the amount of {$800.00} was removed from my credit report and my credit usage decreased by 10 % and my debt decreased by over {$100.00}. This is just more retaliation by Equifax. I wills see them in court. They are determined to get sued and I will give them their wish.
Consumer complaint received 2019-10-27
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. (IL)

Last year around XXXX, my bank informed me that my information had been breached and suggested that I change passwords and open a new account. I did this. However, I noticed my credit score dropping, and started receiving mail from debt collectors and other lenders regarding accounts that I had not opened. I tried to take care of these thing myself, but the credit reporting agencies didn't bother to listen. I seek your aide and guidance in helping me get these items removed from my reports. I am a victim of the XXXX data breach..
Consumer complaint received 2021-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I have a bankruptcy appearing on my credit report that has been falsely been added to my credit report. I have sent in certified documents with supporting evidence stating that the Chapter XXXX Do Not report information to any credit bureaus but It still remains on my credit report
Consumer complaint received 2017-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Borrower : XXXX XXXX XXXX Loan # : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : XXXX Rushmore failed to pay my homeowner 's insurance in XXXX, XXXX. After several attempts to get Rushmore to pay my insurance, all of which seemed to fail, I determined that despite assurances of agents of Rushmore that it would be paid I elected to not go without my insurance any longer and pay it immediately. I was about to leave for 5 weeks ' travel in XXXX and could not allow non-coverage to continue. I financed this payment on a XXXX card and now owe additional interest on the sum because Rushmore has failed to reimburse me. 

I was told that only if I sent a demand for payment to the " Consumer Affairs Dept. '' at Rushmore could I be paid. I submitted the letter by FAX on XXXX XXXX, XXXX, as instructed, and received an acknowledgment letter dated XXXX XXXX, XXXX, stating that a response would be sent in 30 days. I have not received any response. 

I 've called again on XXXX/XXXX/XXXX and was informed that my claim was still being " researched '' and an expected date of completion would be XXXX/XXXX/XXXX. I received no communications and called Rushmore again on XXXX/XXXX/XXXX and was told that I could be sent a check for {$860.00}, not the {$990.00} for reasons that were unclear. I again explained that the amount was {$990.00} and that lesser amount offered was unacceptable. The agent assisting me said she 'd update the documentation and that she 'd call back on XXXX/XXXX/XXXX to update me on my request. No call was received. 

Now, XXXX/XXXX/XXXX, I 've again called and was told today that a " review '' was in progress and I could expect something on XXXX/XXXX/XXXX. The agent confirmed that the money was in our escrow account. 

All of this is unacceptable. Rushmore failed to pay the homeowner 's insurance, causing my insurance company to threaten to terminate my coverage. When Rushmore could not make any firm commitments as to when payment would be made on this matter, I determined to pay it out-of-pocket to maintain my insurance. Rushmore has confirmed to me that my escrow funds are in my account but can never finish any of its " reviews '' and " research '' on this matter. After being put on hold when requesting that to speak to a person with more authority to resolve this matter, no one ever picked up the phone and after a total of 59 minutes, my call was hung up on. 

I explained that I 'm sending a copy of my demand letter to the Consumer Financial Protection Bureau.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (PA)

WE ARE HAVING TROUBLE WITH OUR MORTAGE COMPANY. WHEN WE PAY OUR LATE FEES THEY ARE NOT BEING APPLIED AND NOW WE HAVE THIS LARGE AMOUNT DUE IN LATE FEES..WE HAVE CALLED AND WE GE THE RUNAROUND. WE WANT TO KNOW WHERE IS OUR MONEY THAT WE ARE PAYING.
Consumer complaint received 2017-12-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (GA)

RE : LOAN DEPOT I received a flyer showing an attractive interest rate for a mortgage refinance so I called for further information. I answered the representative 's questions ( XXXX XXXX NMLS # XXXX ). And, I told him I would only be interested in a fixed rate 30-year conventional mortgage with no points or closing costs. My credit rating is more than 800 and debt to asset ratio low. He quoted me a rate very little less than what I have but more than the flyer advertised. Furthermore, there were fees exceeding {$3000.00}. I made it clear that I was NOT INTERESTED in his loan and told him to destroy my information and to stop any and all processes to apply for any loan and/or refinance. He said he would but he did not. Today I received a large stack of papers with my personal information ( much wrong ), and an application for a variable rate loan with even more fees that were disclosed in the phone call. I called Loan Depot today and told them to STOP THIS PROCESS, DESTROY MY INFORMATION, AND TO NOT SHARE ANY INFORMATION WITH ANYONE AT ANY TIME. The lady I spoke with said she would honor my requests. 
I feel betrayed, lied to, and used. My personal information has been used against my wishes and leaves me open for more abuse in the future. Loan Depot should be stopped from their deceptive practices and from abusing other people 's personal information. 
Thank you.