davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
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. (AZ)

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX {$25000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXXXXXX {$9900.00} XXXX XXXX XXXX- {$29000.00} XXXX XXXX XXXX- {$18000.00}
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 inaccurate.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (FL)

I sold the property and the title company requested a payoff. At closing the title company wired the payoff to the mortgage company ( Fay Servicing ). Three weeks later the mortgage company reversed the wire and said that it was {$2100.00} short. Come to find out the mortgage company ( which had escrowed my taxes and insurance ) let my insurance lapse and placed forced insurance on the mortgage and said I owed for the insurance policy. More than 3 months later I still havent received any information or a policy purchased for this property. The title company had worked out the details and sent the wire back to the mortgage the next day. Three weeks later the mortgage returned the wire again. This time claiming I owed interest of more than {$1800.00}. Ive hired an attorney, the title companies attorney has been involved and 3 months later we still can not get a resolution with Fay Servicing. Fay servicing bought the mortgage in the first quarter of 2019. My taxes were due in XXXX, the end of XXXX I had to contact them inquiring why they havent paid the taxes on time. They said they would pay them in XXXX and they would pay the late fees. They did pay them but it was 2 months late. 
So, sold and closed on the property XX/XX/XXXX and as of XX/XX/XXXX Fay Servicing isnt responding to their own attorney which has been in contact with mine to come to a resolution. Im getting monthly mortgage statements showing they have the funds in an Unapplied account and my mortgage is months behind. The property has been transferred to the new owners so technically Fay Servicing has an unsecured loan now.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Elevate Recoveries, LLC (FL)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2024-05-09
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (CA)

When signing loan documents I was under the impression that this was a payday, meaning loan proceeds were to be {$250.00} and on the XXXX of the next month a loan balance of {$300.00} would pay the loan in full. 

Instead I received an online statement saying that the monthly payment was approximately {$250.00}. 

I will not make further payments on this loan and I want the balance XXXX out. 

Spotloan is not abiding by what I agreed to.
Consumer complaint received 2024-05-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc. (TN)

Tek Collect XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Originated from XXXX XXXX XXXX XXXX stating a balance owed of {$640.00} with a highest balance of {$790.00}. All billing statements issued to XXXX XXXX was for {$120.00}. 

Date reported XX/XX/2024, Age of Account is 1 year, 6 months Information was requested over 2 months ago and company has not responded. I requested original statement from the billing party showing all balances owed and yet to receive any type of response and requested this issue to be resolved.
Consumer complaint received 2024-05-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I notified Navient a year ago that I was part of the XXXX XXXX XXXX XXXX and they haven't been giving me accurate information about how to discharge the loan under the Holder Rule. They have been collecting payments on these loans while violating the Fair Debt Collections Act while giving me bad information, collecting on a debt they aren't legally allowed to and giving the false impression that I need to give them more information on top of what I already gave them in the form of a 12-13 page application. They are miscontruing the statements of the Federal Government to lie about statements given about the Insitutional Misconduct that was reported on and in an attempt to continue collecting on the debt or delay to where the company can transfer the contract to another company.
Consumer complaint received 2020-07-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

in XXXX or XXXX I applied for a second mortgage for home improvements with Bank of America and was approved. I completed monthly payments for 15 years. In XXXX of XXXX Bank of America sold my loan to XXXX XXXX XXXX. They in turn sold it to XXXX XXXX XXXX  XXXX. Since the time that Bank of America has sold my loan I have received monthly correspondence that suggest that my loan is in " SERIOUS DEFAULT '' and that I need to " EXPLORE MORTGAGE RELIEF OPTIONS '' or consider " ALTERNATIVE PAYMENT PLANS ''. Monthly I send either company large payments to counter act any possible issues concerning my home ownership. Multiple telephone communications have only produced to me the information that my loan is in " MAINTENANCE '' and no information can be given me. I have been provided only with the knowledge that all my payments are deposited into a " SUSPENSE ACCOUNT '' and are not applied to the monies owed. for 15 years I have paid on this loan to only have my home ownership being threatened and jeopardized when I have already given the equalivent or more than owed amount. Please provide me with any information or help that may assist me. Thank you
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: EQUIFAX, INC. (GA)

According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, Equifax, and XXXX have reported these late payments without verification and without my consent. 

In addition, I, the consumer, never gave XXXX, Equifax or XXXX written permission or consent to furnish my information or obtain my information.
Consumer complaint received 2022-08-13
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. (GA)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. 1 never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Consumer complaint received 2020-07-04
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX XXXX XXXX cancel my trip, schedule to depart on XX/XX/XXXX from XXXX, FL to XXXX due to the Coronavirus pandemic and I do not have a full refund. 
Below is the sequence of events that led me to submit a dispute for {$680.00} On XX/XX/XXXX, I book a cruise from XXXX, USA to XXXX, XXXX, sailing on XX/XX/XXXX on the XXXX XXXX XXXX XXXX confirmation # XXXX thru my Travel Agent XXXX   XXXX XXXX ( Ph # XXXX ) Paying at that time {$900.00}. A second payment for the balance of the cruise was pay on XX/XX/XXXX for the amount of {$750.00}. A third payment for transportation from XXXX to XXXX XXXX, XXXX was pay on XX/XX/XXXX for the amount {$59.00}. The total amount for the cruise comes to {$1700.00} including taxes and fees for {$210.00}. 
On XX/XX/XXXX XXXX XXXX XXXX releases a communication that they cancel the sailings between XX/XX/XXXX and XX/XX/XXXX due to the Corona virus. This announcement makes me pay more attention on my incoming trip. 
On XX/XX/XXXX XXXX close all the Ports to cruise ships On XX/XX/XXXX XXXX XXXX XXXX. Communicate in a Press Release that cancel the sailings till XX/XX/XXXX. 
Because my cruise sailing XX/XX/XXXX was cancel, I read THE TICKET CONTRACT and in SECTION 6, CANCELLATION, DEVIATION OR SUBSTITUTION BY CARRIER PARAGRAPH i, establish, that passenger shall have a right to a full refund of the Cruise Fare if the Cruise is canceled in full, or a partial refund if the cruise is terminated early. 
I call XXXX XXXX XXXX. to ask what to do next, and they told me that have to call my Travel Agent and they will take care the refund and so I did. 
I call my Travel Agent ; explain the situation and he said to me that he has to call XXXX XXXX XXXX. to find out what to do. He calls me the next day and explains to me that he has to cancel the cruise and require the refund to XXXX XXXX XXXX. and I will receive in one week, it looks according with XXXX XXXX XXXX. that this was done on XX/XX/XXXX. 
Since I did not receive the refund I call my travel agent and they told me that coming from XXXX XXXX and I have to talk to them, that XXXX XXXX is responsible for the refund. I call them several times and they do no connect me to the customer service dep I call my Citicard to dispute the charges. I have been a Citicard member for several years and the only time I use their customer service for the right reason I have encountered the worst and most unprofessional dispute department. I get a credit of {$1000.00} and Citicard for no reason on XX/XX/XXXX give XXXX XXXX {$680.00}. An alarming number of people are complaining about their Citi credit card accounts according with XXXX XXXX on XX/XX/XXXX that let me think that something is not right here. The complaints referenced in the Consumer Financial Protection Bureau database, include those related to merchant disputes.
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: EQUIFAX, INC. (GA)

According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, Equifax, and XXXX have reported these late payments without verification and without my consent. 

In addition, I, the consumer, never gave XXXX, Equifax or XXXX written permission or consent to furnish my information or obtain my information. I also sent a remittance coupon for payment on my account. XXXX XXXX has not presented this coupon for payment on my account and has not returned it to me.
Consumer complaint received 2020-07-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARS National Services, Inc. (NY)

XX/XX/XXXX of XXXX I've contacted XXXX regarding an old account that I had no knowledge of it and now showing on my credit report and drop my credit score by 68 points during the process of getting a mortgage loan. Since there is an urgency I just wanted to pay it off/ settled, so they directed me to ARS National Services Inc who was handling the account for XXXX . The Balance was {$2300.00} and they agreed on accepting {$1500.00} as settlement in full if paid on that day XX/XX/2020. Attached is the settlement letter they emailed me and how to make the payment and that once paid they will let XXXX know so that they can report to all credit bureau as paid. I made the payment of {$1500.00} the same day ( Confirmation screenshot attached ) as agreed. On XX/XX/XXXX I received a letter from ARS National Services Inc ( Attached letter ) thanking for accepting the settlement of {$1500.00} in full however it was still showing a balance of {$830.00} which was the difference from the total balance. This should had said {$0.00}. On XX/XX/2020 XXXX reported the balance to XXXX  as {$830.00} instead of paid in full. This is NOT what was agreed upon and have all the proof. As a result our mortgage approval is on hold until this gets cleared up as paid on all 3 credit bureaus.
Consumer complaint received 2020-05-15
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: AMERICAN EXPRESS COMPANY (NY)

I ordered a vanity table from a a furniture store on XX/XX/2020. 3 months later I have yet to receive the item. I have asked the store numerous times for a refund with no success. I made a dispute with American Express serve since this is the payment method I used. I told them my story and sent them a receipt of purchase. I waited a whole 45 days for them to tell me since it was a authorized transaction I wont be getting my money back. The fact that it was a authorized transaction was not in dispute. It was the fact that I never received a purchase for over {$1000.00}. This is my second dispute I put in with American Express serve. Within 4 days they sent me another generic email that I wont be getting my money back because it was authorized. Now I am on my third dispute with these people. I just want a refund.
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: EQUIFAX, INC. (GA)

According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, Equifax, and XXXX have reported these late payments without verification and without my consent.
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

I applied for a refinance of my home mortgage to lower my rate with a credit score over XXXX and excellent debt to equity ratio. My mortgage payments have never been a day late. My net worth is high. I was told it would take 9 weeka Now almost 5 months later still no approval. I am XXXX XXXX and feel this is discrimination.
Consumer complaint received 2024-04-26
Product: Credit 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: FIRST NATIONAL BANK OF OMAHA (MN)

I was scammed, and was talked into giving the scammers my new credit card number. The scammers promptly charged up the credit card almost to the credit limit, which was {$25000.00}. I asked the company to investigate why the credit limit was set that high for a new card and new customer, and why I was told for two months that I had no debt before they started charging me {$24000.00}. I also asked them to investigate how it is that the scammers knew to specify that I open that particular card, and whether there might be somebody at the credit card company colluding with the scammers. The company just responded that because I had given out the number, it was implied consent ; they didnt make any response to the above concerns.
Consumer complaint received 2024-04-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Fay Servicing, LLC (NY)

I am legally entitled to a payoff statement. This company has violated my rights as a borrower by NOT providing a payoff statement to myself at my address NOT the property address. Fay has also ignored my consented request via my attorney to have the pay off statement faxed to him!

Fay has not provided any account information to me outside of disputes! Never! They are in violation of my specific rights as a borrower XXXXI dont even have an accurate address for Fay as addresses listed on credit reports ( only addresses I have ) have maile returned to me unopened
Consumer complaint received 2020-07-04
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. (TX)

INACCURATE INFORMATION ON CREDIT REPORT. THIS IS FTC VIOLATION. 

XXXX XXXX OPEN XXXX {$760.00} - DOES NOT BELONG TO ME INQUIRIES BELOW DOES NOT BELONG TO ME. 
XXXX/XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 XXXX XXXX   XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

Parties : A. Synchrony Bank B. Pay Pal Credit and my Banker : XXXX XXXX XXXX XXXX XXXX I have a Pay Pal Credit account ending with XXXXgoverned by Synchrony Bank . 
Pay Pals  Rules for their Credit Customers ( approved by their Banker ) that We have to registered our paying Banker initially and We can only pay through those Registered Bankers. When initially Registering the Banker, Pay Pal will send OTP and We have to revert back with the transaction details of small amounts say less than one Dollar both the Debit and Credit transactions, checking the authenticity of the Customers. 
In my Case I have put approval of three Bankers eg XXXX XXXX  and two accounts from my XXXX   XXXX  XXXX XXXX accounts. 
Whenever I pay some instalments, initially they ( Pay Pal ) gives Credits and sends confirmatory emails and after four to six days they reverse the entry and says that my Bankers have refused to pay /the accounts of your Bank is not Registered with us or I have insufficient funds and when the cut off dates are over informs me about return of payments and adds PENALTY for Return/Non payment during the stipulated time period and for the next months dues they add up the Return Fee 's etc. 
This is how the Pay Pal earns extra money which are some sorts of fraudulent way to run a business.