davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Privacy — 
Company: U.S. BANCORP (MO)

I received an email from US Bank stating that I was past due on my credit card. I have always paid my balance off in full every month. I called on it, and US Bank somehow changed my address on my account. They were sending my statements to an old address ( XXXX, XXXX, MO ). Then, they hit my card with late fees and interest, and they said the address could only be changed by us calling or the post office. I NEVER authorized my address to be changed. Then, they have hit my card again with a late fee and more interest charges as we have been trying to resolve the problem. Now, my privacy has been disclosed and my card # has been given to whoever lives at XXXX, XXXX, MO. I called them again tonight to see what is going on, and now they have reported it as a late payment on my credit bureau. I have perfect credit, and now it is going to take forever to get this situation resolved. I asked for a letter from US Bank stating this was their error and that I wanted it to be taken off of my credit. But, the manager ( XXXX ) stated that I would have to write a letter to their dispute department even though it was their fault my private information was being sent to an old address. Then, I asked how do I file a complaint with the CFPB, and they did n't know. 
Anyway, I just want this cleared up where it does n't show on my credit history as a late payment and a letter from US Bank stating this was their error.
Consumer complaint received 2023-06-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear Bank of America, I hope this message finds you well. I am writing to express my interest in re-establishing a banking relationship with your esteemed institution. In the past, I had an account with you which, due to certain unforeseen circumstances, was placed under the care of the recovery team. I want to assure you that I have since settled this debt in full and have strived to rectify any past discrepancies. Despite this, I have been informed that I am not eligible to open a new account. This is confusing, as I've previously consulted both your recovery team and the general customer service department, who have advised me that I am eligible to apply for a new account, provided it is done in-branch. Given these circumstances, I kindly request your assistance in this matter as I am eager to rebuild my financial standing with Bank of America. 

Best regards, XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing to file a formal complaint against Capital One regarding their lack of support and unwillingness to provide financial hardship assistance for my Capital One Quicksilver Card. I have been facing significant financial difficulties, making it increasingly challenging for me to meet my financial obligations, particularly in paying my bills. I have been a loyal customer of Capital One for over 10 years and have always made my credit card payments on time. However, due to unforeseen circumstances, I have encountered a series of financial setbacks recently that have severely impacted my ability to maintain a stable income and meet my financial obligations. As a result, my monthly income has decreased significantly, making it difficult for me to cover even my basic living expenses, let alone my credit card payments. I frequently contacted Capital One 's customer support team to ask about possible options for financial hardship aid because I was aware of the seriousness of my situation. I was shocked to find the individual I interacted with to be unhelpful and uncaring about my situation. Despite my explanation of my financial problems, they offered no workable alternatives or support to help me get through this difficult time. I requested information regarding potential programs or options available to customers experiencing financial hardship, such as a temporary reduction in interest rates, a payment plan, or an extension on payment due dates. Unfortunately, the representative informed me that no such assistance was available and suggested that I should continue making minimum payments or face the consequences of late fees and possible damage to my credit score. I find this lack of consideration and understanding from Capital One deeply concerning. The company 's refusal to provide any form of financial hardship assistance leaves me feeling abandoned and disregarded as a loyal customer during my time of need. I have always prioritized meeting my financial obligations and maintaining a good credit history, and it is disheartening to be treated with such disregard when I require assistance the most. I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Capital One adheres to its responsibilities and obligations as a credit card issuer. I believe that credit card companies should be obligated to work with their customers during periods of financial hardship, providing reasonable options and assistance to help individuals overcome temporary financial difficulties.
Consumer complaint received 2023-06-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/2023, I applied for an extension of My credit at State Employees credit Union. I was denied for credit history and basically I didnt make enough. I am devastated. After speaking with loan officer, I asked was she the underwriter, she told me No. After She spoke with her supervisor supposedly. She said it was my credit history and recent chargeoffs. I told her someone was working on my credit because someone fraudulently used my social security number. I then asked to speak with the underwriter. She replied I am the Underwriter. I then mentioned 12 Cfr 1002.4. I felt discriminated against. I also mentioned Title 15 subsection 1611 faults and misleading denial of credit. I asked for all the factors that played a role in this consumer transaction. She than said she didnt know what I was talking about. She havent heard those codes before. I told her if she was an underwriter Im sure someone mentioned them one time or another. I asked for a printout of the factors the played a role and denying me access to an extension of my credit. She said it would be mailed to me. I told her I was denied so it should be on the screen. I asked to speak with a manager who may know these codes. She then brought the bank manager in and she said we are sorry your denial is because of charge off and credit History. At this point I was heartbroken. I told her if its charged off they were paid so it shouldnt be on my credit and gave her my spill about fraudulent activity on my social security number. The manager told me something will be mailed to me. After leaving the bank, I thought I left my phone and four employees were huddling talking about this matter. Later that day I received a call that I can pick up paperwork Tuesday morning and She spoke to Vp of company and I was still denied. It was a Friday XXXX XXXX and it was a XXXX Monday.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-06-04
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: EQUIFAX, 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. 

Account name : XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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 2023-06-02
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. (MN)

This is XXXX of my numerous complaints that 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.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 some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-06-02
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SHABANA MOTORS (TX)

SHABANA MOTORS After taking out my first vehicle from this business, i stayed up to date with my payments until I got wrecked and paid off the remainder of the loan to this company. After my settlement ( wasnt much after I paid my balance with this business ), i decided I needed a car so I put down {$2600.00} as a down payment. After I saw how much they were charging per month for a used XXXX XXXX with XXXX miles ( $ XXXX, {$30000.00} total value, plus their XXXX insurance ) - might as well be a truck- i wanted to back down but it was too late. I wanted a car, I signed paper after paper and put myself in a predicament that i couldnt get out of. I had a great job up until they decided to cut down on my hours so that there set me back so much. I tried explaining to Shabanna about my situation and they dont seem to care one bit. I lost my job because they decided they want to disable the car. So now they repossessed my car and have no transportation what so ever. These guys are XXXX. I want something to be done about this great company. Always XXXX  in low income XXXXXXXX and ruining their life.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Equifax is reporting a new XXXX XXXX account without specificity. They are not showing the credit line/limit. Its blank. And they are reporting the account is only XXXX months old when in fact, it is XXXX months old. The last four digits are of the account number XXXX.
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-07-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

We contacted Wells Fargo when my wife lost her job and become XXXX, in the hopes of being proactive to any money problems. They refused to work with us unless we defaulted. We explained we wanted to do the right thing but they offered no help. We kept up mortgage payments as long as possible and decided when we knew we could n't continue, to call the bank and tell them we would sell the house. They asked us to fill out hardship documents which we did, we received many letters asking for more information or claiming we were being reviewed. Ultimately it ended with them offering no help. We continued to try to get them to work with us to no avail. They avoided our phone calls/never returned them. Never responded to emails. We tried many times to get a payoff amount for the house so we could put it up for sale. After no communication from our numerous calls, we went to a local branch and tried to get help with them. We were looking for a payoff amount so we could sell the house. In the end they told us the bank manager put the letter in the vault. The employees insisted they could n't get the papers, only the manager could ... after a few phone calls/days, it turns out there were no papers for us. We finally got the house up for sale, it was up for sale for 90+ days and was not selling so we tried to do a Short Sale or Deed in Lieu. They kept changing our contact at the bank and still ignored our calls and emails. It was n't until we contacted an outside agency for a Short Sale that they finally responded/reacted. We got an offer on the house for approx {$4000.00} short of asking price and went into contract. The bank denied the offer claiming the seller wanted sellers assist and they cant do that. Within a week, they lowered the sale price by approx {$10000.00}. ( so ... .why deny the high offer? ) No sooner than they denied the offer, we got papers that we are back in foreclosure and have received several legal/court documents. Our Short Sale representative has also tried to work with the bank to no avail. In addition when she requested a deed in lieu they said we were ineligible even though I have several letters from the bank with them suggesting that route. I have a documented timeline of calls and letters. This is such a short version of the events. We have tried so hard to work with them and do the right thing. They do n't want to know anything other than foreclosing, they make all other options impossible.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-02
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (OK)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-02
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-06-02
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. (GA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX