davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (OH)

Date of Application : XX/XX/2023 Requested Credit : Unsecured & Secured Secured Card : It appears that we have a bait and switch type of tactic being using as this Card is marketed for " rebuilding and establishing '' credit. 

Citi Bank has a recognized policy of extended credit based on relationship, and I've been a customer of thr bank for over 2 years. 

This Card does not present any type of risk to lending with the collateral secured by a deposit Only reason for denial would be to further hurt the financial situation, and not want to promote financial well being by the Card increasing the credit report positively, or XXXX discriminstion. 

Custom Cash Card : It appears that this card is being extended to individuals with XXXX 's credit score, and the current XXXX score is XXXX. 

There has been a long history of credit for 15-16 years with great payment history. 

Late payments are very good at XXXX out of XXXX payments paid on time and never late Income is average for the demographic. 

Inquiries I want these inquiries removed they are ruining my credit by black listing me and making me apply frivilously without ever obtaining credit. 

Every household is required to have a credit card for emergencies!
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (AZ)

Hello, On XX/XX/2022 I opened a checking account with Chase when they offered a {$400.00} bonus with requirements which I completed on time. The completed requirement they are denying me is the Direct Deposit which was completed on time, XX/XX/2022. See the offer & direct deposit from my employer attached using a company called XXXX ( a XXXX XXXX XXXX ). After closing the account I opened an account at XXXX XXXX & those deposits are noted as Direct Deposit. 

I spoke to a representative three times & walked into the bank. No one wanted to listen. 

I feel like I was lied to. Surely, they should be up on how employees/independent contractors are paid by using other means of direct deposits. Or, perhaps they just didn't feel the amount of the deposit wasn't high enough. There was no limit indicated by Chase. 

Thank you for your help! I sure am relieved to know you are here to protect consumers. You were very quick to respond with great results when I reached out when I helped my sister & a client who needed help with their loan modification.
Consumer complaint received 2023-09-08
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 (TX)

I am writing to formally dispute several hard inquiries that have appeared on my credit report, which I believe to be unauthorized. The purpose of this letter is to request a thorough investigation and, if appropriate, the removal of these inquiries from my credit report. 


I have carefully reviewed my credit report from your bureau, dated [ XX/XX/XXXX ], and have identified the following hard inquiries that I do not recognize and did not authorize : XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks XXXX  Inquiry : XXXX XXXX, XXXX + Music & Records XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BMO Bank, N.A. (CA)

I received a credit card in the mail yesterday ( XX/XX/23 ) from BMO Bank that I did not apply for. It was a card in my name with XXXX XXXX from XXXX XXXX XXXX on the card as well. I did not recognize the name and when I tried to close the account the bank would not let me because it is a corporate account with a {$700000.00} credit limit. I did not authorize nor sign for any card to be opened under my name. I did not sign any papers or fill up any application form to apply for any credit card from this BMO bank. It is my first time hearing about this bank.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CCF Intermediate Holdings LLC (VA)

Speedy cash does not operate in my State of Virginia. It is illegal and also illegal to come after me but they keep selling my so called debt and putting it on my credit reports AFTER I HAVE ALREADY HAD IT REMOVED!! It was just recently been put back on my report in XXXX XXXX XXXXXXXX and that is a complete falsehood.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to formally dispute the accuracy of information on my credit report regarding two accounts that I believe contain inaccurate information. The accounts in question are XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX After reviewing my credit report, I found that these accounts are inaccurately reported ( late payments, inaccuracies across credit reports ). I am requesting an investigation into these entries, and, if they can not be verified, I request that they be deleted from my credit report.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-01-07
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: ERC (CA)

I had an XXXX collection that was sent to collection in error. I fought back and forth with XXXX XXXX and XXXX to make sure this error on XXXX 's part did not adversely affect my credit score. I was assured it would not. Once the error was corrected I paid off my balance with XXXX. Now I am being hurt by over 50 points on my credit score because this account is showing up on my XXXX   and XXXX reports. This is causing me to not be able to get my home loan that I have been working so hard to get. Currently my family is XXXX and we are living with my in laws because we were expected to have our home loan funded by this time, but now because this account is reporting we are not able to obtain financing.
Consumer complaint received 2019-02-20
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. (FL)

I am a victim of identity theft. I recently looked over my credit reports and seen 9 unauthorized credit inquiries I did not authorize. I have contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau.They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, DELETE ALL inquiries listed below and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Consumer complaint received 2024-10-24
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: EQUIFAX, INC. (GA)

After much due diligence and consideration, Im filing a last and final notice of violation of my FCRA, FDCPA, and FTC rules and statues..In the form of phone calls, disputes, and complaints. Ive made EQUIFAX as well as XXXX, more than aware of, first negligence, and then malicious intent, to both allow, as well as, further the abusive and fraudulent reporting of information on my credit report ; causing defamation to my creditworthiness, as well as injury to my personal and business ventures and life. For XXXX XXXX XXXX XXXX EQUIFAX and XXXX has both propagated false testimony and evidence of debt and credit practices. By allowing XXXX XXXX XXXX, a company that from the beginning has reported a closed charged off status. For XXXX XXXX XXXX XXXX  both companies allowed this closed charged off account at {$180.00}, allowed said account, to accrue a monthly balance in the form of XXXX dollars, monthly. XXXX, in the beginning, as well, allowed and propagated, this fraud. But was made aware and immediately ceisted and and desisted from fraudulent reporting. As for EQUIFAX and XXXX, they made every attempt to delay and hide their fraudulent reporting ; and allowance of abusive tactics of companies attempts at absconding from FAIR DEBT COLLECTION PRACTICES. This particular complaint has never been an issue of IDENTITY THEFT/ FRAUD ; except in the regards of said companies. Both EQUIFAX and XXXX in their attempts to delay and hide their fraudulent and unethical reporting, inserted and furthered statements of PAST DUE, IN COLLECTIONS. To EQUIFAX, reopening said closed and charged off account, to have a current status of open and late on XXXX payments ; causing me tremendous injury. Upon calling EQUIFAX, immediately, I was met by a XXXX, by the name of XXXX, who attempted to further EQUIFAXs fraud, until met with statues and codes of the FCRA and FDCPA ; which he attempted to pervert, until met with true stature. He admitted on recording that EQUIFAX was infringing on my rights, while investigating a dispute, adding abusive statements and reopening said account. This has been ongoing for XXXX consecutive months with no accountability or resolution. XXXX EQUIFAX again denied my dispute about said fraud and inaccuracies.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
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. (FL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score : XXXX XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (CA)

I AM WRITING A COMPLAINT ABOUT XXXX XXXX XXXX, I TOOK OVER A LOAN FROM PREVIOUS OWNER WHEN I BOUGHT MY HOUSE WITH SOLAR PANELS ALREADY INSTALLED. I HAD PROBLEMS SINCE THE BEGINNING OF THIS LOAN BECAUSE THEY WERE MIXING UP MY INFO WITH THE PREVIOUS OWNER. FOR ALMOST THE FIRST YEAR OF THE LOAN THE COMPANY THAT WAS SERVICING THE LOAN WAS MISAPPLYING MY PAYMENTS AND TELLING ME I DIDNT HAVE THE LOAN THAT IT WAS STILL UNDER OLD OWNER. IT WAS A HASSLE EVERY TIME I CALLED.THEN WHEN SUNLIGHT STARTING SERVICING THEIR OWN LOANS THEY SENT ME A STATEMENT SAYING MY ACCOUNT WAS BEHIND, BUT THE TRANSACTION RECORDS SHOW THAT I HAD A CREDIT OF {$640.00} WHICH WAS PORTED IN ON XX/XX/year>. I HAVE BEEN ASKING IT TO BE FIXED FOR MOTHS WITH DISPUTES TO CREDIT BUREAUS AND THEY HAVE STILL NOT FIXED IT. ( DOCUMENTS ATTACHED ) I WANT MY CREDIT REPORT TO BE CORRECTED, IT SAYS IN XXXX I WAS 120 DAYS PAST DUE, THAT IS NOT CORRECT. I CALLED SUNLIGHT THEY AGREED WITH ME, AND THEY SAID THEY WILL OPEN A CASE TO HAVE IT CORRECTED, BUT NEVER DID, THIS IS HURTING MY CREDIT AND CAUSING ME ISSUES WITH OTHER LOANS. I HAVE PAID ON TIME OF PAID IN ADVANCE SEVERAL TIME MY HISTORY SHOULD SHOW THIS ERROR BUT IT IS NOT BEING CORRECTED. PLEASE HELP.
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXX XXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM WRITING A COMPLAINT ABOUT XXXX XXXX XXXX, I TOOK OVER A LOAN FROM PREVIOUS OWNER WHEN I BOUGHT MY HOUSE WITH SOLAR PANELS ALREADY INSTALLED. I HAD PROBLEMS SINCE THE BEGINNING OF THIS LOAN BECAUSE THEY WERE MIXING UP MY INFO WITH THE PREVIOUS OWNER. FOR ALMOST THE FIRST YEAR OF THE LOAN THE COMPANY THAT WAS SERVICING THE LOAN WAS MISAPPLYING MY PAYMENTS AND TELLING ME I DIDNT HAVE THE LOAN THAT IT WAS STILL UNDER OLD OWNER. IT WAS A HASSLE EVERY TIME I CALLED.THEN WHEN SUNLIGHT STARTING SERVICING THEIR OWN LOANS THEY SENT ME A STATEMENT SAYING MY ACCOUNT WAS BEHIND, BUT THE TRANSACTION RECORDS SHOW THAT I HAD A CREDIT OF {$640.00} WHICH WAS PORTED IN ON XX/XX/year>. I HAVE BEEN ASKING IT TO BE FIXED FOR MOTHS WITH DISPUTES TO CREDIT BUREAUS AND THEY HAVE STILL NOT FIXED IT. ( DOCUMENTS ATTACHED ) I WANT MY CREDIT REPORT TO BE CORRECTED, IT SAYS IN XXXX I WAS 120 DAYS PAST DUE, THAT IS NOT CORRECT. I CALLED SUNLIGHT THEY AGREED WITH ME, AND THEY SAID THEY WILL OPEN A CASE TO HAVE IT CORRECTED, BUT NEVER DID, THIS IS HURTING MY CREDIT AND CAUSING ME ISSUES WITH OTHER LOANS. I HAVE PAID ON TIME OF PAID IN ADVANCE SEVERAL TIME MY HISTORY SHOULD SHOW THIS ERROR BUT IT IS NOT BEING CORRECTED. PLEASE HELP.
Consumer complaint received 2019-02-20
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. (AL)

Fraud inquiries as follows XXXX  XX/XX/2019XXXXXX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 andXX/XX/2019XXXX XXXX XXXX XXXXXX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019
Consumer complaint received 2023-09-08
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: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing to express my extreme frustration and dissatisfaction with Wells Fargo Bank in the ongoing dispute I have with them. I recently had a 50-minute conversation with them in which they claimed to have initiated the processing of four disputed transactions and provided claim IDs : - XXXX - XXXX - XXXX While this might appear to be progress, a significant concern remains. When I inquired about whether I would be required to make payments for these pending claims next month, Wells Fargo 's response was utterly unsatisfactory. Instead of providing a clear answer, they shuffled me between multiple departments, leaving me without a resolution. Eventually, I was told that these claims are still pending due to missing documentation. 

It is crucial to emphasize that I have diligently followed Wells Fargo 's process, reporting each claim over the phone and providing all requested information based on their inquiries. Despite my full cooperation, they persist in delaying and evading the claims ' processing. Their claim that I haven't provided the necessary information is confounding, especially when I possess the claim IDs as evidence. 

This situation clearly indicates the bank 's intent to procrastinate and allow these claims to linger indefinitely. It is evident that Wells Fargo 's actions are not aligned with their purported commitment to promptly and transparently resolve disputes. Their inability to address these claims raises serious concerns about their practices and their dedication to customer service. The potential for them to profit from unresolved claims, particularly when they possess the necessary information, is both disheartening and unjust. 

In light of this distressing situation, I implore the relevant authorities to intervene and closely monitor Wells Fargo 's activities. Their behavior warrants a comprehensive investigation and appropriate measures to ensure that the bank adheres to ethical practices and treats its customers with the respect they deserve. 

I deeply appreciate your attention to this matter and your role in safeguarding the rights of consumers. 

Sincerely, XXXX
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

Regarding to my original complaint about the fraudulent withdrawal of {$15000.00} that was supposed to be a deposit of {$17000.00} from my account. I would like to express my disappointment with the resolution provided. 

I want to bring to your attention that in my initial complaint, I mentioned a deposit of {$17000.00} which I have evidence of, including video documentation. However, your response does not acknowledge this deposit or provide any explanation regarding its absence. This is concerning as it contributes to the discrepancy in my account balance. 

Additionally, when I requested a copy of the withdrawal slip, the document I received appeared to be altered and lacked crucial information. The absence of my complete name, the inconsistency in handwriting and signature, and the lack of location details for the transaction raise doubts about the authenticity of the withdrawal. I believe it is imperative for you to thoroughly investigate these discrepancies to determine the credibility of the transaction. 

Furthermore, my bank statement only displays the date of the fraudulent withdrawal without indicating the location of the transaction. This lack of information makes it difficult for me to verify the validity of the withdrawal. Additionally, the missing {$17000.00} deposit should be reflected on my statement, as it directly impacts the overall balance discrepancy. Youve attempted to use against me in your response.. 

It is distressing to note that despite reporting these unauthorized withdrawals and fraudulent charges, I have not received any reimbursement or refund for my missing funds. As a customer, I expected Wells Fargo to take this matter seriously and ensure that I am properly compensated for the financial losses I have incurred. With the unauthorized withdrawal of {$15000.00} that was supposed to be a deposit of XXXX which makes a total of {$32000.00} that is due to me.
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

XXXX needs to be removed as an authorized user. I have called multiple times trying to get him removed as a user. Every time they tell me they are not allowed to remove him because the account is closed and they can not and will not remove him. This is not his card this is solely my card and my responsibility and I would really like him removed from my account. Every time I called I was on hold for at least 30 mins and  kept being redirected only to get the same end result.