davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
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: JPMORGAN CHASE & CO. (MO)

I applied for a credit card offer that was sent to my email address and my name. i filled it out and then received a notice from that company denying me a credit card. Here is the issue..it was sent to my address with someone elses name on it ( my hisbands/my name combined ) it stated that my score was too low and that is the result.i have checked my credit score and my score is XXXX, not XXXX which is what chase bank stated. i contacted Chase bank by phone and after XXXX hours and XXXX people they stated my ss # is under my husbands name and that they can not do anything about it and said to contact XXXX XXXX. They have since ran an application again and i was denied again after i told them not to run it becuase it was false information. I have also went to the bank and explained the issue with my ss # card for proof that it is my number and they said to contact XXXX XXXX have letters sent to my home with our combined name and denial of card. I just want his name removed from my ss # they said they have no control over that. I am very unhappy and would like this corrected. I have tried to contact XXXX XXXX and it is a recoring only. i am unable to contect with anyone. they offer live chat and i waited for over XXXX minutes and no one ever responded. Please advise. Thank you
Consumer complaint received 2023-01-04
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: AMERICAN EXPRESS COMPANY (TX)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed account on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
AMEX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for two Credit Cards from two different Banks. Bank of america was seriously delayed so I called them. On the phone I was told I had a Freeze. I removed this a Few months back when I punched Land. the operator said I had a freeze but since she had me on the phone she said I can re-submit my application once again then put me on hold. So I got on my laptop to confirm if I was being lied too. I see on my laptop that I had not Freeze and that I was being lied too. The Bank assistant get beck on the phone and states '' Congrats you are approved for {$7000.00}. I told her wait! I just checked my Credit card Company that I placed a Frees on and Removed that Freeze and there is NO FREEZE! i said you lied to me! your Company lied to me. I said because you delayed my credit you had to lower my amount because as you can see XXXX XXXX gave me {$10000.00}. Because your company delayed my card and then used an excuse that I had a Freeze and as you can see this resubmission you did not mention on the then Siad because of your negligence I can not use you and do not want it. She then stated well, I have to read you these 4 things. I then just hung up. 
Well, I then get a letter from the Credit Card Company, Bank of America stating " At my request they have cancelled my Application. A second lie, because it went beyond Application and is Approved for {$7000.00} and Bank Assistant stated! Then lied and said my income is insufficient. I applied for a loan just a week ago and was approved for {$50000.00}. Then Bank of america threw in another lie stating I was denied because of no deposit or investment balance. 
Remember the woman on the phone told me I was approved for {$7000.00}. and still continued to lie writing we make decisions with current economic situations etc., etc. They did not mention the reason was becasue they dragged their tails and then lied and said I had a Freeze to cover themselves. Then Approved me for a Lower Amount then spewed out lies to cover their tails! Have to make this short your system stated I must hurry up or be timed out!
Consumer complaint received 2022-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WA)

This is the XXXX instance with US Bank where in I have had trouble with escrow recalculation and refunds. 

This complaint is for loan no. 

I have already paid the house tax for the year XXXX, in addition I have also paid the insurance premium for XXXX. 

I had called in early XXXX to get my escrow recalculated and a refund issued for the same. US Bank organizes all these departments differently, so while my tax liability for XXXX was set to {$0.00} no escrow recalculation was done. 

US Bank makes it hard to share information about tax/insurance payments, get escrow recalculated, does not track to SLAs on these requests and when customers call to get status or why there is a delay they are given the run around again. 

I was told my escrow recalculation would be done by XX/XX/XXXX, it was not. On calling in today, again I was given the loop by being redirected to the tax department again who did not pick the phone.
Consumer complaint received 2022-12-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

A credit card was applied for in my name on XX/XX/2022 for an XXXX XXXX credit card. Application was submitted to Bank of America. BOA notified me and I contacted them and they cancelled the application and are going to flag it as fraudulent..
Consumer complaint received 2022-12-02
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. (IL)

This complaint is not a duplicate complaint. I am writing to request the method of verification for dispute initiated on XXXX XXXX  and the subsequent response received on XX/XX/XXXX enclosed with this letter. Re : 1. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! Please send the following information used to verify the validity of : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. PLEASE NOTE, THAT I'M NOT USING ANY THIRD PARTY FOR THIS MATTER, I represent myself by myself I have enclosed in this package : FTC Report, Affidavit, copy of SSN, ID, POA
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (HI)

This credit company have violated civil laws. I wasnt able to get credit loans due to the pandemic. You have hurt my ability to obtain credit no SBA loans nothing due to this company FCRA I.
Consumer complaint received 2022-09-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-10-13
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (NC)

I surrendered my lease back on XX/XX/XXXX and never received an end of lease bill. I called several times over the past 2 years asking for one so I could pay what I owed and I was told I needed to wait for a letter to come in the physical mail. 

According to their end of term invoice policy, I should have received an end of lease bill within 30-45 days of handing in my lease. I wanted to pay what I owed so there would be no issues later on. I kept calling over the next 2 years and was met with the same response that I had to wait. I never received any mail. 

Fast forward to this XXXX ( XXXX ), I received notice from my credit bureau that I had a delinquency on an account that was 30 days past due- it was XXXX and my credit score decreased by XXXX points. I have been in contact with Hyundai Motor Finance ever since that day in hopes of resolving this issue. After many, many phone calls, written letters, supportive documentation, and even a supervisor in support of my case ( she emailed the credit dispute department on my behalf ) I am still told that I am in the wrong. 

I have a strong feeling XXXX did not review all my letters, cell phone records ( as requested by the supervisor ), and recorded phone calls to XXXX over the last 2 years. 

XXXX did not abide by their policy and took advantage of someone who had never missed a payment and who was doing the right thing all along. 

*Please review ALL documentation as they state key dates, names, and evidence. Please take my concern seriously as this issue will affect my credit score for years to come.
Consumer complaint received 2022-10-07
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. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Transunion made. And Im sure that there agency didn't Report 100 % correct Information. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate Information.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. I, XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
They also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan services Furthermore there has never been any documentation provided that validated any of these accounts. No contract with two wet signatures, no proof of full disclosure, no equal consideration provided, no lawful terms and conditions, no accounting records. 

XXXX : XXXX XXXX in Fact UCC XXXX
Consumer complaint received 2022-10-13
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)

11 inquiries unauthorized XXXX XXXX- XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I have never authorized theses inquiries, I have called Experian, XXXX and XXXX fraud department multiple times and they refused to delete these inquiries My previous address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I moved XX/XX/XXXX
Consumer complaint received 2022-10-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

Throughly a buyout lease ( finance ), I completed the payment of XXXX XXXX on XXXX. 
After completion of full amount, Kia Motors Finance sent me damage title that was declined to DMV because it represents a documents. 
On XXXX request duplicate and the Kia Representative stated that a new tittle would be sent. 
On XXXX, resubmit the same request and I was advise that it would be mailed to me. 
On XXXX, called again and I was mistreated by the representative and I was accused of tear the tittle that was tear by kia and amended by Kia with their reference tape. 
On the same date, spoke with a supervisor who advised me to sent returned the title to their tittle department and advised that in 6 weeks the replacement would be sent to me. 
As per their instructions, the Tittle was delivered on XXXX On XXXX spoke with another representative and find out that absolutely nothing has been done. Once again I submitted another complaint ( Complaint XXXX ) and for the first time a request # was provided_ Request # XXXX. At time, I was advised that a representative would reach out to in a week. 
I havent heard from Kia Motors Finance until today and financial institution that I dealing with has increase my Car loan APR from 4.8 % to 18 %.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 2022-09-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: LAKE MICHIGAN CREDIT UNION (MI)

XXXX issued a credit with proof attached after XXXX disputes a purchase with them. My bank pushed it off on XXXX and XXXX as to why the credit still after months has not been posted to my account. The amount is {$260.00}. It was credited XX/XX/2022 and XXXX never posted or followed up.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (TN)

Personal Update Letter originally sent XXXX22 was received by CRA XX/XX/XXXX22 Tracking # XXXX Identifications and other supporting documents were attached again on XX/XX/XXXX22 another letter was sent in response to partial dispute resolution on XX/XX/XXXX Report # XXXX. that letter was received on XX/XX/XXXX22 which included a reply letter in hand written blue ink with instructions, notarized and certified copy of common law copyright notice, notarized fee schedule, affidavit of truth, divorce decree, updated identification with current address, copy of updated SSC, and copies on copyrights to name XXXX XXXX and XXXX XXXX, and a copy of faxed and mailed form XXXX to IRS
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

This complaint concerns the XXXX XXXX XXXX credit card offered through Bank of America. The card essentially offers miles for purchases that can be redeemed on XXXX XXXX, as well as on hotels. 

On the two separate occasions I've tried to use the miles I've earned to book a hotel, I receive a " technical error. '' I've tried to seek a resolution with the company. I've done everything I've been directed to do, including clearing my cookies, trying a new search, using a different credit card to book, and making sure my bank is aware that I'm trying to use a card for an online booking. This company does not offer phone booking and has been unable to provide any kind of resolution other than to simply not use the benefit I have paid for. There is no option to ask for a cash refund of the miles I've earned.