davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (DE)

I ordered what I thought was a free credit report from Experian on XX/XX/XXXX.  Their website says, " Get your official Experian Credit Report Plus FICO score for just {$1.00} and at another portion of their site it says, '' Free Credit Report updated every 30 days. '' Today I got my credit card statement and their is a charge for {$21.00} from Experian for a credit report. I called XXXX XXXX, my credit card company and we could not speak to a real person at Experian. They have started a dispute about this with Experian. However, I believe that they are involved in false advertising. I did go back to their website and found a couple of paragraphs about free 30-day trial membership in Experian IdentityWorksSM Premium. To get the credit report I had to give them a lot of personal information and that is how they got what they needed for that membership that I did not sign up for. They just automatically put me in their monthly thing. I would never pay that much money for a credit report as there are many ways to get a free one. If you XXXX " free credit report '' Experian comes up
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

In the previous Complaint number : XXXX - I sent to XXXX I said the following : " Please reach out to the credit bureaus as well as XXXX XXXX to remove 4 people from receiving offers at my address. These 4 below people DO NOT live at my address and are not associated with me or any of my family members in any way. Please remove from getting unsolicited offers from these people specifically for any bank as well as XXXX XXXX. I received 4 pre-qualified offers in the mail for these 4 below people. We do not want to receive these again, please. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' I did never say in any way that I wanted myself to be removed from pre-screened offers ... I said I do not want to receive pre-screened offers for those 4 people specifically. So now theres a separate issue. I myself, XXXX XXXX want to receive pre-screened offers. But i do not want to continue to receive those 4 people information to our address.
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I never applied for credit at XXXX XXXX XXXX XXXX. I am seeing an inquiry on my credit report as well got some deny letter on XX/XX/2018. I called Immediately and spoke to XXXX XXXX from XXXX XXXX XXXX XXXX. He advised that he would have it removed. 
As of today I still see the inquiry on my credit report. I need this off asap.
Consumer complaint received 2018-07-19
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. (TN)

This XXXX XXXX XXXX account XXXX is paid-in-full. It is closed. However, Experian CRA continues to incorrectly report the account as " Open ''.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (GA)

Ok. I will make this the last time that I make a complaint about this matter. I called and left a message for you on today ( XX/XX/2018 ) Ms. XXXX. Didn't get a call back. I also received a from XXXX XXXX thoroughly explaining no record of an attempted payment on today, the letter is attached. It has already been confirmed that I gave you my correct account and routing number ( that is attached as well ). With that being said, If the late payments that Discover reported as late is not removed by XX/XX/2018, a lawsuit will be filed.
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/2018 I Submitted to the CFPB Case # XXXX regarding my inability to obtain a free credit report from TransUnion. 

On XX/XX/2018 the Company responded and stated the following : In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. 

It is now XX/XX/2018, nearly 60 days later, and I still have not received my credit report from TransUnion. It was never sent to me. I never received the free credit report as promised.
Consumer complaint received 2017-10-01
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. (MA)

Transunion has credit inquires that I did not authorize on my credit report XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX. 
XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I initiatied a transfer through my Bank of America account to my wife. The number entered for my wife was incorrectly entered by one digit. Bank of America apparently leverages a third party, XXXX, for these types of transactions. I sent the amount of {$550.00} to an incorrect mobile number but in the name of my wife. The recipient received the payment even though the name was incorrect. When I attemplted to cancel/ dispute the charge with Bank of America they notified me that there was nothing they could do other than ask the recipients bank to return the money as a courtesy but that there were no guarantees. There is no disclaimer of any sort on the website or when going through the process that as a consumer I would not be protected in any way if I made a simple factual error when submitting the transfer. This is an extremely misleading and deceptive practice by the banks and by XXXX and offers no protection to consumers. This should be illegal without explicitly displaying the risks associated with these types of money transfers.
Consumer complaint received 2017-10-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (OR)

I notified ERC twice about an alleged debt owed to original creditor " XXXX XXXX XXXX '' for the amount of XXXX. 

I sent them a letter by regular first class mail back in XXXX of XXXX asking for verification and reporting dispute. They did not respond. I sent a second letter by Certified Mail Return Receipt Requested in XXXX of XXXX requesting a settlement in which I agree with pay a partial amount and they agree to remove the account. They did not respond. 

They have failed to respond either time and have since changed the " Date of Last Activity '' on the account on my credit reports to a more recent date -- harming my credit score. 

I have contacted XXXX XXXX XXXX directly and no one can validate that any debt belongs to me under my social security number or name. 

The company has now violated both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by 1 ) Never sending me an original DUNNING letter that such a debt existed 2 ) Not responding to official requests for validation of said debt nor reporting the debt as disputed 3 )  Updating or " re-aging '' the account on my credit report to make it look current and harming my credit score. 

I am in the process of trying to get a mortgage and this score damage has caused me to not be eligible for the best rate. This constitutes actual harm.
Consumer complaint received 2018-10-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

On XX/XX/18 I applied for a new mortgage to refinance my home with Quicken loans. They charged me {$500.00} as an application fee. 

On XX/XX/18 Quicken arranged for an appraiser, XXXX XXXX to appraise my home. 

That appraiser, supplied a report to Quicken that was full of flaws resulting in an appraised value of at least {$300000.00} lower than the fair market value of my home. 

I complained to Quicken and they refuse to refund the money I paid them. They say a third party arranged the appraisal and they paid {$610.00} and there is no money to refund.

Either Quicken or me will be out the {$500.00}. It shouldn't be me. It's not my fault their appraiser didn't measure the square footage correctly or consider recent sales comparables that would have resulted in an appraisal of over {>= $1,000,000} instead of {$870000.00} as supplied by XXXX XXXX. 

Now, as of a half hour ago, Quicken has obviously sold my information to another mortgage broker, XXXX XXXX, XXXX XXXX  XXXX ( XXXX ) XXXX. He called telling me that he got my name as someone that applied for a loan at XXXX and it didn't work out. Asking if he could work with me on a loan. 

I have heard from XXXX XXXX, Lead Resolution Advocate at Quicken Loans several times, stating they're sorry I'm not happy with the appraised value and they won't refund my {$500.00} fee. She can be reached at XXXX QuickenLoans.com
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

I am a XXXX member ( XXXX ) therefore I make lots of purchases on a weekly basis, I tried in the past to open credit cards ( Chase ) on the XXXX website and every time Chase Bank deny every application so far, yesterday I did a test and worked!! I tried to open a credit card with chase on the XXXX site and the application was denied. 

Went to a different card holder company and application was approved on the spot, both applications were done on the XXXX website, first one with Chase was denied and second one with a different banking institution was approved. 

I have a Chase checking, savings and mortgage account at the moment, used to have another mortgage which was transferred to XXXX, bottom line if I have a history or pattern of been financially responsible why every time I submit an application Chase bank always deny process. 

Few months ago I submitted a discrimination complaint against Chase, They send few letters from their headquarters, in those letters They asked me to get in touch with them to follow up, I tried to get in touch with them, most of the cases nobody was available or They will always try to defend themselves saying They were no doing anything wrong. 

They also keep sending letters saying that They are doing everything correct and therefore I have no right to complain.
Consumer complaint received 2018-07-19
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 — Their investigation did not fix an error on your report
Company: Nicholas Financial Inc. (FL)

To whom it May Concern, I have disputed Nicholas Financial with XXXX  and XXXX, each month for 3 months starting back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding a account being unverified each dispute Nicholas financial has came back as verified. Nicholas Financial has been recording account as date opened XX/XX/2013 with the amounts {$6600.00} listed on the credit report. On XX/XX/XXXX XXXX sent a debt validation letter for Nicholas financial to verify the debt regarding what was sent based on my credit report. I have attached the letter that was sent by Nicholas Financial company regarding validating the debt.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (MI)

I have a credit card with XXXX XXXX, provided by XXXX XXXX. I've had this card since XX/XX/2017 and received several increases and had those increases then taking away because the bank is stating I should have never received them because they were done manually. when the the bank constantly does this it takes a big hit on my credit score and it's very shameful to try and make a purchase and later find out during check out the funds have been taken away. one minute my limit is XXXX the next XXXX and now XXXX. I have always paid my credit card bill on time never late not once and the bank has even stated I have a excellent payment history with them. This bank is horrible not only with constantly decreasing credit limits but also stating you have other accounts with them that you never opened in your name. A couple months ago I contacted them about an account I noticed on my credit report called woman within and told them I never had an account with his company and the charges were not mine, they still have not removed this item from my credit report. I'm at all wits end ... ... .. I Don't understand how this is considered acceptable. Another thing that really bothers me is, when they decrease the limit I call to bring it to there attention, they then say if you agree to apply for an increase we can do an application to see if we can approve you. The sad thing is, when you choose to agree to that it lowers your credit score. When in fact if they would just leave your limit where it is, you wouldn't be calling in the first place!!!! I Have other credit cards and never have this problem with them going back and fourth on my limits.
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

After the Equifax data breach debacle, I undertook steps to order credit freezes with all three credit bureaus. Experian has refused to accept an online request from me for a freeze. They have refused to accept an upload of documents they require to implement the credit freeze XXXX their system XXXX giving either an explanation of system is not available or else can not upload documents in spite of them being in the correct required format ( PDF ) and below the size limit. This occurred on XXXX XXXX, XXXX and on XXXX XXXX, XXXX. Additionally, I tried to order a credit report, and received a message that I could not be identified in spite of supplying my legal name, social security number, and address at which I have resided for the last 12 years. 

Additionally, all requests for freezing accounts have been followed by offers for security monitoring to be purchased through Experian. They can not find my account to issue a credit freeze but seem to be able to do so to sell me a product they are offering. 

The only resolution to this problem is to send Experian the required personal information, including social security number and date of birth, through the XXXX Mail. I have completed this process and am now awaiting a response from Experian where I will supposedly be sent a pin to be able to access my account in case I need to temporarily issue a credit freeze lift.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I contacted HSBC now to apply for a new credit card, MasterCard Gold,  to transfer a balance. Their offering states that there is 0 % interest on purchases and 0 % transfer fee for 18 months, the best in the industry presently. I was transferred to credit card agent when I asked inquiried about the maximum transfer limit. I explained to the next agent that I wanted to transfer {$21000.00} from a credit card that was charging interest to the new card. The agent stated that there was a 4 % transfer fee. I reread their offering to him and inquired whether a cash advance was a balance transfer. He agreed that it was not. Either HSBC is engaged in fraudulent deception or the agent was ill informed. I made this inquiry before I made the application. Last night I applied for an XXXX XXXX XXXX card. I explained my plan to transfer a {$21000.00} balance to the new card. The application was granted but the balance transfer was {$7500.00} and credit limit was {$25000.00}. I contacted XXXX  today and was advised that there is {$7500.00} maximum on balance transfers. The agent should have advised me of this maximum prior to completing the application. I did not want to make the same mistake twice.
Consumer complaint received 2017-09-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OH)

Unacceptable sharing of other persons information with me, while corresponding on my dispute. 

On cfpb complaint XXXX of application XXXX, I was mailed a correspondence document that not only included my 3 page letter but also a two page one to XXXX XXXX XXXX XXXX and XXXX XXXX, picture attached. Im sure the XXXX would be very disappointed in this disclosure to me, a third party. I am happy to share this with them but am going through proper channels so you can notify them of this breach and penalize wells for the breach as allowed.
Consumer complaint received 2017-09-30
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 — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC (NJ)

I am a former student of XXXX XXXX XXXX XXXX XXXX. I graduated in XXXX of 2016. A few months ago I check my credit report with XXXX and saw a late payment added to my report by XXXX. The total for that loan was {$120.00} broken down into increments of {$39.00} per month. I was shocked, to say the least because I was not aware of any student loans that I did not have an account and payment plan already set up. I contacted XXXX knowing this must be a mistake. I was transferred to the student account headquarters in XXXX where I spoke with a representative and her supervisor. They informed me that this was a federal loan that needed to be paid to XXXX. I questioned why I needed to pay them for a federal loan when I already am paying with a federal account setup and I was told I have no choice. They told me this payment needed to be made to XXXX XXXX XXXX XXXX, a third-party company that they use to collect payments. I questioned why I was not informed of any of this prior to the beginning of the payment term, no letters, no emails, yet late payments were reported to my credit. The representative apologized and mentioned that her supervisor said if I pay the amount in full and dispute the late payment through the credit bureau, then XXXX and XXXX XXXX XXXX XXXX would remove the late payments from my credit report. I have done exactly that, however, they refused to remove the late payments. I have contacted both organizations and they still can not explain why I was not informed of this loan payment 's expected date. They lied about their willingness to remove the late payment from my credit report after I paid in full. Throughout my communication with them, their representatives have sometimes been very rude and disrespectful. XXXX has proven to be a very dishonest organization. They were recently sued by the federal for XXXX XXXX dollars and they continue to be dishonest. Those late payments were the first ever on my credit. My credit score has dropped tremendously as a result and I am unable to do the necessary things to establish my life as a young professional.
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (MI)

I received a debt collection letter from XXXX XXXX XXXX, XXXX for a debt that does not exist. The letter stated that they were collecting a debt on behalf of PayPal. 

I know that I have no account in arrears with PayPal. I contacted PayPal customer service. They verified that not only do I not have debt in which they are attempting to collect, the account number provided by the debt collector does not exist in their system.
Consumer complaint received 2017-09-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE CENTER, LC (MI)

In XX/XX/XXXX I contacted Mortgage Center LLC, as advised by XXXX XXXX XXXX, in regards to a mortgage pre-qualification. When I met with the loan processor I explained I had a foreclosure and that my mother, who lived in Minnesota at the time, and I were purchasing the property. I provided documentation of the Sheriffs sale, as well as a letter from my mother 's insurance company documenting where the down payment was going to be paid from, and was provided a pre-qualification letter from Mortgage Center LLC. 
By XX/XX/XXXX we had identified a property and began the purchasing process, looking to close in XX/XX/XXXX. Throughout the process we were asked for the same documents multiple times. As we approached our closing date, but had not received a clear to close, I was contacted by our loan processor stating she had filed the wrong mortgage application. She filed a conventional mortgage application, but stated she needed to file a FHA mortgage application due to the foreclosure, which was over four years past, on my credit report. She also explained the appraisal that we paid for was not valid through FHA and that we needed to secure another appraisal. 
The FHA appraisal was completed and there were still multiple issues with regards to communication with the mortgage company. My realtor, my mother 's insurance agent, agents of the title company, myself and mother worked very hard to complete the process with the mortgage company, only to have terms change repeatedly. When we finally secured a closing date, we were advised by Mortgage Center LLC staff to pay closing cost with the funds they could validate in our personal accounts and apply for a loan reamortization once we received our funds from the insurance company, as the title company would not accept a third party check. 
The funds were secured from the insurance company and sent to Mortgage Center LLC. We were later contacted and informed they would return our funds as our mortgage could not be modified because it was an FHA loan. We were instructed to apply for a modification in two years and pay all associated fees. The entire process has cost my mother and I additional funds, unnecessarily, due to Mortgage Center staff 's lack of knowledge about their business and professionalism. I am concerned about possible fraud and unethical lending practices.