davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

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 2020-08-28
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. (TX)

Equifax is continuously reporting incorrect information on my credit file. Its been well over 30 days and I have yet to receive results on my dispute. The account is clearly not mine Ive sent documentation on numerous occasions and they still refuse to delete. The collection account is for XXXX and XXXX XXXX in the amount of {$11000.00}. There are 2 companies trying to collect on this fraudulent account. Ive been dealing with this fraudulent account for 4 years beginning XX/XX/XXXX. The account was deleted and Equifax reinserted the fraudulent account without my knowledge in XXXX. Ive attached documentation showing the account doesnt belong to me and it needs to be deleted indefinitely.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A. (MI)

Our balance with PNC bank is of two parts. Part one had a no interest grace period to XX/XX/XXXX. Part two has a grace period to XX/XX/XXXX. We were assured the entirety of future payments would be applied against the first balance, less accrued interest. Last month was our first payment where interest was incurred. Instead of applying the entire payment, less interest, to the balance subject to interest PNC applied a significant portion to the balance that is not yet subject to interest, thereby violating what we were told.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XXXX XXXX I identified inaccurate information related to a Capital One account on my credit report. This information negatively affected my credit score and my ability to secure financial products. 
I then filed a formal dispute with the credit reporting agencies ( such as [ XXXX XXXX XXXX providing clear documentation of the inaccuracies.

According to the FCRA, once a consumer disputes an item on their credit report, the credit reporting agencies are required to notify the furnisher of the information ( in this case, Capital One ). I have reason to believe that the credit reporting agencies properly notified Capital One of my dispute as required. 
Despite this notification, Capital One failed to investigate the dispute or provide accurate updates to the credit reporting agencies. As of today, the inaccurate information remains on my credit report. 
As a result, I initiated a legal claim against Capital One in federal court under 15 U.S.C. 1681s-2 ( b ). Capital One received the complaint through a process server XX/XX/year> but has not yet responded to the lawsuit. 

Due to Capital Ones failure to investigate and correct the inaccuracies on my credit report, I have suffered financial harm, including : A reduction in my credit score.

Denial of credit applications and unfavorable loan termsXXXX XXXX XXXX  and frustration caused by Capital Ones lack of response to my legal dispute.
Consumer complaint received 2020-08-28
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: JPMORGAN CHASE & CO. (PA)

I rented a car for a one way drive between XXXX and XXXX XXXX, MA. The car was rented on XX/XX/XXXX and returned on XX/XX/XXXX. Upon arriving at the XXXX XXXX XXXX, it was closed for COVID and there was no drop box. I called XXXX and asked what to do, I spoke to a representative about this, they told me to take pictures of the car and mail the keys to XXXXXXXX XXXX XXXX  XXXX XXXX, MA XXXX. I took multiple pictures of the closed office, lack of a drop box, car returned to the lot, license plate, etc. All were taken with an XXXX so there is a record that they were taken XX/XX/2020. 

On XX/XX/XXXX, I received a charge on my credit card for {$4600.00}. After multiple calls to XXXX, I found out they charged me for renting the car for 30 days ( returned XX/XX/XXXX ). I have the receipt, which shows that a total of 272 miles were put on the car - roughly the distance from XXXX to XXXX XXXX. After multiple calls and emails - including sending photos to support my claim - they repeatedly told me it would be " five to seven business days ''. After about a month, I finally told them my credit card bill was due in three days if it couldn't be resolved and I had no choice but to report it to my credit card company, Chase. At that point, XXXX informed me it was company policy to deal directly with the credit card company. 

I then reported it to Chase and described the situation, and they had me report it as a fraudulent charge. When the charge still appeared on my card a month later, I called them and was informed it was a 'dispute ' and not a 'fraud ' so I needed to resubmit it. I then received a letter, filled out a form, and submitted it on XX/XX/XXXX. I have all of this documented, and I'm sure they have record of at least four calls to receive an update on the status of the disputed charge. 

On XX/XX/2020 ( today ) I received a letter informing me that the " billing dispute '' was ruled in favor of the merchant with no explanation. When I called, the representative said that because it was originally reported as fraud and not a dispute ( even though it was eventually resubmitted as a dispute, and that I have documentation of resubmitting it as a dispute ), and there was nothing they could do about it. I then spoke to a supervisor who said the matter was closed and that I would need to pursue other avenues ; I was informed that there was no appeal process. I requested - repeatedly - that Chase connect me with someone who would look at the pictures I took of the car sitting in the lot, all of which were taken on an XXXX and therefore timestamped, but was told that was not company procedure.
Consumer complaint received 2020-08-28
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. (CO)

On or about XXXX XX/XX/2020 I purchased two hard drives from an on-line merchant through XXXX. When the two items arrived - they were significantly different from what was described. Specifically, the two 14TB hard drives actually were ( 1 ) a 10TB hard drive and ( 2 ) a broken/non-working hard drive. I tried to work with the merchant and he refused to accept a return. I notified Citi Bank and filed a dispute. Citi was horrible in their lack of communication and numerous times I had to reach out to them to check on the status. I received a notice that additional information was needed. I called Citi and asked what that was. I was told there was a letter in my account. I asked where. It was never posted to my account. I sent them screen shots showing that I did not get any requests for additional information and today, when I logged into my account, there was a notice that my inquiry was denied. On XXXX XX/XX/2020, I called the dispute department and requested my right to invoke arbitration against Citi as it is criminal to be victimized by a merchant and then to be cheated by a major corporation who does not even follow their own policies. XXXX said that I never returned the items - yet as I told XXXX, both in my letter and my calls I have said that the merchant refused to accept a return. I have even asked Citi, in writing, if they wanted the items so they could look at them. After over 2 months, Citi Bank violated their own policies and account terms and conditions by ( 1 ) failing to keep me up to date as to the status of my dispute, ( 2 ) stating that they needed additional information but never asking me for any information and ( 3 ) based on what XXXX said, it appears they never even read the materials or reviewed the screenshots that I sent them. I sent in the e-mail on XXXX XXXX and yet was told " we received the letter on the XXXX. '' I will attach that letter as part of this dispute. The law requires that a credit card company help their account holder ensure that a warranty of merchantability exists and that the company will conduct a fair and neutral investigation of the complaint. Citi had failed to provide even the basic duties of what a bank headquartered in the United States should provide.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc. (CA)

On XX/XX/XXXX I submitted a payment to TOTAL Visa in the amount of {$210.00}. They continue to claim the bank account number used for this payment was not able to be found. I have previously submitted the bank statement for the month of XXXX and will submit it once again to show it was active and valid.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hello and good day, there are items on my credit report that have resulted from fraud, all transactions and charges on these accounts are fraudulent. I never benefited from any of these transactions. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX  and undue stress.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Urgent Demand for Immediate Correction of Inaccurate Reporting Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

I called Wells Fargo asking for a credit limit increase on one of my credit cards I've had with them since 2012. I very specifically asked to make sure they would not run my credit for this request. I was assured they wouldn't. They still did. Now I have an inquiry on my file. Absolutely unacceptable.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2022-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I have repeatedly tried to get in contact with Freedom Mortgage about a monthly charge for a PMI for the amount of XXXX. 

I have paid more than 22 % of my property and i called them on XX/XX/2022 to remove the monthly charge for the PMI. But no success. 

On XX/XX/XXXX I decided to send them a written message on their secure message center on the phone app. They haven't bother to reply. 


On XX/XX/XXXX, I sent them a new written message on their message center and still no reply. 

As today XX/XX/2022. I have paid more than 25 % of my mortgage home loan and I do not see them removing the Private Mortgage insurance.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NJ)

There are two incorrect things on my credit report, in the experian app it shows that my outstanding debt is {$1500.00} but when I log into my chase app it says that, yes, my total balance is {$1500.00} but my available credit for XXXX of my open accounts are {>= $1,000,000} and and my credit usage 996 % and that I used {>= $1,000,000} of {>= $1,000,000} which is 100 % of that. 

The other error is that with my Barclaycard whose credit limit was {$1200.00}, I called them right before they closed my account and they never checked their call logs to see that I did call them and they listed my account not as Credit Grantor can not locate consumer
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you,, Experian credit reporting agency XXXX XXXX credit reporting agency , and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-04
Product: Credit reporting 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. (TX)

I recently obtained a copy of my credit report and noticed inquiries from your company that I dont recall authorizing. To my understanding, inquiries should only appear on my credit file with my explicit permission. 
XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXXXXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2020-08-28
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)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$850.00} Closed XXXX/XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX CARD SERVICES Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that  reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Chase bank restricted my account and can not tell me why my account has been restricted and I cant pay bills or feed my family. I visited the branch and called twice and have been given the run around for two days  straight. Account was restricted on XX/XX/2020.
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WINNPOINTE CORPORATION (CA)

Contacted Interactive mortgage on XX/XX/2020 to apply for a conventional refinance. Verified with the loan XXXX if this will be a XXXX loan to which the loan XXXX said yes. The loan amount needs to be under XXXX in my zip code of XXXX. 

As soon as I mentioned I am self employed, the loan XXXX refused to take my application and said they don't take self employed borrowers. I told him I have refinanced plenty of times without a problem, and as recently as a couple of months ago but he still refused to even take my application. 

I also told him that XXXX XXXX  allows self employed borrowers and has clear guidelines for it, but still the company refused to take my application. 

I feel this is a clear discrimination and severely impacts my ability to get a competitive rate even though I qualify for all underwriting guidelines, have been self employed for over 10 years, and meet all the criteria.