davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (SC)

In XX/XX/2020 we called our original lender ( US Bank ) to inquiring about refinancing our mortgage. By XX/XX/XXXX we had provided all the information they requested. They sent disclosures, requested an application fee ( which we paid ) and ordered an appraisal which was done in XXXX. By XXXX we had not heard anything so I followed up with the loan officer, which I was told underwriting had a few questions on our information. They sent us the questions the next day and we responded like wise. A couple weeks later still no response so I followed up again. I was told we had to resubmit bank info and pull credit again as 60days had passed. We complied and waited. Again, after a few weeks, followed up and was told they were waiting on subordination to our equity line. It had a XXXX  balance so should not have been an issue. On XX/XX/XXXX I reached out to them again and was told they had received the subordination but needed to pull credit and new bank statements again as 60 days had passed again. We were frustrated but we agreed. I was told closing should be in a couple of weeks. After several emails to the proscessor and loan officer being ignored, I called the 1-800 customer service number and explained I had a complaint and wanted to talk with supervisor. Originally they tried to send me back to the loan officer but I declined and insisted I get a member of management. On XX/XX/XXXX the processing supervisor called. Apologized and indicated I was waiting final approval, should happen the next day and would call to inform once formal approval was received. I never heard back from the supervisor ... her name was XXXX in Kentucky. A week and a half later I called customer service number and asked for another supervisor. This time I was given the supervisor of the loan officer ... XXXX XXXX. I called and left a message but my call was never returned by the supervisor. The loan officer did reach back out on XX/XX/XXXX to inform me it still had not been approved. Then, on XXXX XXXX, my husband sent an email indicating we wanted to either close asap with no origination fee being charged or give us our application fee back and waive any other charges ( like appraisal fee ) and we would take our business elsewhere. They did not respond to his request regarding waiving of fees but said underwriting just had a few more questions which ended up being the same questions we had addressed in XXXX. I pointed this out to them and even sent the email we had provided. I pointed out they had failed to communicate to us and respond in a timely manner and I was filing a complaint. We have great credit, and equity and expense ratios are not an issue so underwriting for this credit should be very easy. We are very frustrated by the extremely poor communication and 6 month lag in processing a strong credit request.
Consumer complaint received 2022-12-19
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. (CA)

my Identity was stolen. 

I am a victim of identity theft. 

the following accounts below are UNauthorized. 

Please block and remove these UNauthorized accounts. 

These accounts are fraudulent. Please block and remove 1 ) Company or Organization : XXXX  XXXX XXXX Account Number : XXXX amount {$1800.00}
Consumer complaint received 2020-11-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: International Computer Systems, Inc. (AR)

I do not have the exact date but know it was between XX/XX/2020 to XX/XX/2020. I recvd a call from FCS located on XXXX XXXX in XXXX XXXX, Ar. ( I know because I am their XXXX  XXXX  ) I refused to verify any of my info the rep asked for due to the fact, i know their telephone number and specifically because twice, the Rep said I am calling from XXXX, NOT FCS but XXXX  twice! This from the get go is extremely deceiving! To me it seemed the rep either covered the speaker or muted the call at the part of S of FCS on purpose!!!! Not one but twice! I am assuming that she knew me or of me XXXX   XXXX  and dis not want me to know it was FCS XXXX XXXX XXXX!!! This company records down to your XXXX XXXX numbers so I am certain they have this call recording!!! I do not want these folks contacting me!!! If they need something they can just sue me and I will deal directly with the court system! 

Thank you!
Consumer complaint received 2022-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Ive spoken with the office to let them know, I was not aware of them not being in network with my insurance, I keep asking them to please verify before I'm seen and they keep telling me that everything is good with my insurance. 

In accordance with the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # 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 instructions
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX did a hard hit on my credit indicating I opened a new account with them on XX/XX/2022, which I did not. I do have an old account with them from last year with no balance due. I have not requested an increase in credit or any other activity that would require or authorization them to run a credit report and hard hit on my credit history. ( certainly did not open a new account with them ) which is what is stated on my credit report right now. I contacted them by phone yesterday and they acknowledge that I did not authorize any such inquiry nor did I request a new account or any changes to my existing account and that they would be mailing a letter with an explanation at a later date. 
I requested that they re-track the entry on my credit report as I am currently rebuilding my credit and this could negatively affect my credit history they refused. My personal information is not for them to use at will. 
The account was NOT opened last week it is NOT a new account and I did NOT apply for that date and did NOT give them permission to run any type of credit inquiry last week or even in this year. They clearly state they are aware that I did not give them permission.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-03
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: Army and Air Force Exchange Service (HI)

The following account Military star was closed and charged off on XX/XX/2019 Since then the account has been repeatedly reporting as a charge off every month. This is an update in the payment history which to my understanding charged off accounts should not hav an active payment history. This also falsely manipulated the statue of limitations. I am demanding a deletion of the following account : This is a violation. Chargeoffs accounts should NOT report each month with active payment history. 

Best regards, XXXX XXXX
Consumer complaint received 2020-11-16
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN IN MY NAME SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On Sunday XX/XX/XXXX I tried to deposit a Check from the United States Treasury Department for XXXX cents. I had to call USAA to get them to increase my deposit amount to allow me to deposit the check via mobile phone. They increased my balance to XXXX, and the mobile app would not accept my check due to the XXXX cents. I then called back and spent another hour on the phone just to find out they couldnt increase the limit for a 12 hour period, and I was asked to try later in the evening ( XXXX ) or first thing in the morning. I again called back on XX/XX/XXXX and was now told they could not increase my deposit amount or allowance above XXXX. So they denied my deposit of XXXX cents due to the extra XXXX cents. They then asked me to mail in the check, and told me it would take at least 30 days to get the money in the account. What good is a bank if they are worried about XXXX cents. Furthermore, they work directly with the Department of Treasury on regulations, it should not be this hard to deposit checks from the United states government. I currently make more a month then the payment from the IRS. This company needs to be fined due to their activity, and for not accepting a check from the United States Treasury. Prior to this event, and before setting up this checking account I called USAA to ensure they could handle large amounts of money and I was told I would have no issues, which clearly isnt the case. This company has cost me time and money, as I now have to switch back to a bank that can accept a XXXX cent deposit. Furthermore, I would say this bank discriminated against me, as they allow other customers to deposit larger amounts of money then my small check. They need to be fined for that also.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (MA)

I've seen no changes for the accounts that I have filed last month, I still see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (PA)

XXXX, XXXX and HYUNDAI FINANCE the Debtor acting as Debt Collector, is making claim against XXXX XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount from XXXX : {$1700.00} ; {$17000.00} from XXXX and {$13000.00} from HYUNDAI FINANCE. A violation of title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), ( 4 ), ( 6 ) ( a ) ( b ), ( 9 ) and ( 10 ). 

Affiant is an Heir and Beneficiary to XXXX XXXX XXXX XXXX, XXXX XXXX. The XXXX XXXX XXXX by way of Jus Sanguine. Maxim of law - " The right of blood and kindred can not be destroyed by any civil law. '' 100 % of Right, Title and Interest in NOTICE OF SURETY ACT & BOND No. RE 295 357 246 US secured by UCC-1 Financing statement file # XXXX and Instrument no. XXXX recorded in XXXX County real estate records viewable at XXXX is assigned to XXXX XXXX in toto as Heir Beneficiary. 

For the record, on the record and let the record reflect. NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

Pursuant to Public L. No. 10 Ch. 48, 48 Stat. 112, 113 ( HJR 192 ), all public debts shall be discharged for full " Acquittance Discharge and Settlement '' and 'Closure ' to include but not  limited to all so called debts XXXX, XXXX and HYUNDAI FINANCE may portend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. 

Also reference Public Resolution ( Law ) 73-10, 31 USC 463, 31 USC 5118 ( no money was loaned ). 

XXXX, XXXX and HYUNDAI FINANCE is insolvent and Civiliter Mortuus with no standing in law to make any claim against this Estate.
Consumer complaint received 2022-07-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (AL)

On XX/XX/2021, this account was sent to a collection agency for the amount of {$93.00}. This is not my debt. I wasn't aware of this debt until after I decided to see a new Dr .
Consumer complaint received 2023-02-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have had a savings account for many years- originally through XXXX, which is now with Capital One after they took over. Over the years, the interest rate fell, as did most savings rates around the country. However, I recently learned that Capital One had actually quietly started offering a different savings account with significantly higher rates - 3.4 % APY instead of the pitiful 0.3 % APY still in effect on my account. This is NOT a matter of variable interest rates changing with market conditions - This is an example of a large corporation using bait-and-switch tactics to take advantage of unknowing existing customers, while incentivizing new customers. 

To my knowledge, no effort has been made by Capital One to notify existing customers that they may be eligible for better rates. There is, seemingly, no difference in this new account that would prevent an existing customer from being eligible or wanting the higher APY, except that a customer needed to *know the new account exists*, open the account, transfer money ( no fees or major difference in terms of service ). 

This issue is clearly detailed on this article : https : //womensmoney.com/blog/capital-one-cheating-you-too-high-interest-accounts/
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX my employer reached out to me to inform me that a debt collection attempt was being made through wage garnishment. When I contacted the company attorneys, the company being Capitol One I was told that there was credit card debt in my name and social security number going back to XXXX, 19 years ago. Apparently I judgement was issued against me in XXXX, the company alleges that they have been trying to make outreach, however the remainder of the information they have on file does not belong to me including the address where this outreach has been made. I disputed this with the attorneys who now want me to make a fraud charge complaint for a credit card that was open under my name when I was XXXX years of age. I'm XXXX now and I'm asked to provide information from 19 years ago. With Covid, and because of my medical vulnerabilities I'm not comfortable spending time at a police precinct trying to make fraud report, when I have absolutely no information on who could have or would have used my information in XXXX.
Consumer complaint received 2023-06-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

OnXX/XX/XXXX I was pre-approved for a conventional 15 year mortgage with Wells Fargo. The property was a condo with a land lease with an expiration date of 17 years. Before I applied, i asked my loan advisor to make sure that they offered a loan that would fit that. He said yes, I could get a 15 year loan with 2 years buffer between the loan payoff and the land lease expiration. I was very up front in my questions since other lenders do not offer loans for properties with land leases. I went through the process, opened escrow, ordered my property inspection, as per the direction of my loan advisor. One of the conditions of my loan was to have the money for my down payment in my account. This came in the form of a withdrawal from my 401k. Again, as a condition of my loan they had to have all of the documents for review as well. Everything was going fine with a closing date of XXXX. I wired my closing funds to escrow on XXXX removing all of my conditions. On XXXX I was informed that the XXXX XXXX had issues with the land lease, and it had been escalated to legal. Then my loan advisor said that they wouldn't approve a 15 year loan as they wanted more time between the loan payoff and the land lease expiration. They said that they would go as long as an 11 year loan, which I could not afford. I feel like this was a bait and switch situation as I had not had any talk about this before this time ( when I should have already signed loan docs ). This is an unfair and deceptive lending practice, as they made me, as a condition of the loan take my distribution and prove it, creating tax implications that could have been avoided if they would have told me upfront that they were not able to offer that loan due to the land lease. Then they waited until I had wired my closing funds to escrow, again at the direction of my lending advisor. Due to them not doing their due diligence on the land lease, I did not get the property, took a distribution that I was not able to put back, and had to pay over {$25000.00} in taxes over these years due to the distribution. I made a complaint in XXXX with Wells saying that they did nothing wrong. It took me 3 tries to get them to respond, then they sent the letter to the property that I did not get. I made another complaint this year because I have has to pay an exorbitant amount of taxes due to this, I was able to split it over 3 years due to covid rules. Again, they claim that they have no culpability.
Consumer complaint received 2021-12-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

We tried to get a Bank of America credit card but received notice that we were denied. Now Bank of America says we owe {$3000.00} on an account we dont have. We have not received any cards or anything from Bank of America except the denial letter. This is on our credit reports but we have not had a credit card or a credit account to charge anything. We told them this but it is still showing as a bad debt on the credit report. We need this off our credit report because it is causing harm to the credit we are trying to get back to excellent. 
I have tried to find the letter stating we were not approved but if I find it I will forward to you.
Consumer complaint received 2022-07-31
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: Experian Information Solutions Inc. (FL)

Hello, I recently checked my credit reports an noticed several credit inquiries that I did not authorize made by the following companies : Fraudulent Inquiries XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX This institution said I need to contact these companies and they all said I have to contact the credit reporting agency. So both are blaming the other. 

These inquiries are in violation of 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I have submitted an identity theft report to the FTC and have attached it below along with my identification info.