davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NC)

Quicken Loans contacted me on or about XX/XX/XXXX and asked if I would like to close my purchase loan before XXXX and close in XXXX. I said sure and we began the process of the paperwork etc. XXXX XXXX ran the file through automated underwriting and he said he got an accept. If it were not an accept we wouldn't have gone any further as Quicken does not do manual underwrites. So I gathered all documents and geve them everything they could want and more. They did not follow the guidelines set forth by HUD, and they had no overlays. Mr. XXXX kept telling me very rudely that he was waiting for my rapid rescore on my fico. How could that be when my score was a XXXX and the required score was a XXXX. He was definitely discriminating against me for my XXXX. He would not follow the rules of XXXX borrowers who have returned back to work. I didn't like the way things were progressing and I withdrew the file. Quicken never sent me an adverse action letter or denial until I requested one several times. I finally got it on XX/XX/XXXX. It said judgements, bankruptcy, foreclose, or slow credit. None of which I have and if there were any of these things I should have been contacted and made aware so I could have the opportunity to fix the problem. They continue to insist there was a judgement. I am telling you there was no judgement. Then I am looking closer at my file to see what possible reasons I can find and it states : { EXTERNAL ] { POSSIBLE FRAUD SCAM ] DENIAL and then my loan number. So my intelligence tells me they had my loan marked as some sort of fraud or a scam. They need to be able to back that up as to where this information came from as it is not true at all and I am demanding they provide whatever source this is coming from. I have been denied unjustly and if I am on some list I need the opportunity to get myself off this list.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NE)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-07
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NC)

During XXXX, I was given XXXX deferred payments, which were supposed to be added to the back of the loan. On XX/XX/XXXX, the loan reached its full original maturity, but the company demanded full payment, despite the XXXX deferred payments. I made my regular payments in XXXX, yet they reported to the credit bureau that I didnt pay on time, which is incorrect. I made a payment in XXXX and paid the entire remaining balance of {$720.00} on XX/XX/XXXX. 

I spoke with the compliance XXXX about the XXXX payment being reported late, but she refused to acknowledge that both payments had been made. I also emailed the CEO but received no response. In retaliation, the compliance XXXX then reported to the credit bureau that I was late for the XXXX payment as well, even though I had paid the full remaining balance on XXXX. This is poor business practice, and I have all my receipts proving that the payments were made on time.
Consumer complaint received 2024-10-27
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Chime Financial Inc (NC)

I currently live in XXXX North Carolina and was recently displaced due to XXXX  XXXX. XXXX has deposited disaster assistance funds into my chime account on XX/XX/year>. Since I received a new phone, chime needed to validate my identity which I promptly did. After regaining access to my chime account. I no longer had access to my virtual card number while my physical card comes in the mail. I'm going on a week of not being able to access any funds and after being logged into the account for a few days, chime suddenly restricts my account and placed a hold on it. I have since validated my identity multiple times to get their restriction lifted and they say the system isn't satisfied with my validation. I can and will provide any sort of document to prove I am who I am.
Consumer complaint received 2023-02-07
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: JPMORGAN CHASE & CO. (AL)

JP Morgan Chase sent me a XXXX form reporting Other Income of {$800.00}. When I called to inquire for an itemized summary or year-end summary of how this {$800.00} was derived and what from, I was continuously transferred ( 7 times ) to multiple departments where no one could give me an answer ( XX/XX/XXXX ). I am ASSUMING this might be from points that were transferred to XXXX XXXX for hotel redemptions but no one can confirm or deny this. If a large bank is issuing Federal tax documents and reporting to the government, the bank must be REQUIRED to also provide an itemization of the said value of which they are reporting and claiming to have given. A quick summation of during XXXX you redeemed XXXX points valued at $ XXXX $ XXXX which is what is being reported on the Form 1099-MISC would satisfy all questions XXXX For the consumer to just take Chases word for the income they are reporting with XXXX documentation of what was received in exchange is ludicrous. I want to know specifically what I received ( specific # of points valued at what amount ) that prompted a reporting of {$800.00}. This needs to be fixed for ALL customers who receive this form from Chase.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report.
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: FISERV INC. (CA)

I received the middle class tax refund, I activated my card and the same day I received an email from money network to open an account to keep track of my spending etc... 
so I did, I did not use the card for about a week, and when I did there was XXXX XXXX on the card. I called money network and filed a claim that my money was stolen, waited 3 weeks and contacted money network again and the agent told me that my information was entered wrong and that she would have to refile my claim and not to call back until XXXX XXXX i am a tax paying american citizen, I earned that refund and because of the shoddy handling of peoples information, and no security in place my money is gone. I have been waiting since XXXX XXXX XXXX XXXX was ruined I was counting on that money. can you please help me get my money.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (SC)

On XX/XX/year>, I received a letter from my creditor, Barclays, advising that they had reduced my available credit limit. On XX/XX/year>, I reviewed my credit score and found that this change had reduced my score by XXXX points on XXXX and XXXX points on XXXX. I contacted Barclays and was told that this was an internal change and should not affect my credit score. I was told that I could reinstate my original limit with in 60 days. 
Even with this adjustment my credit usage is at 5 %. 
I am concerned by such a large decrease in my score.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/year> I made XXXX purchases at XXXX XXXX. 

One for {$5400.00} One for {$5400.00} These two items were shipped and never delivered. In fact I have proof that both were returned to sender and signed for back at XXXX XXXX. As provided on the tracking numbers I received from them with XXXX. 

I have talked to general manager at the store and he said that without the item in hand he can not refund the items. 

I have told him the situation and he said that I will have to dispute the transaction with my bank for not receiving the items. 

I did that with my Chase account and they sided with XXXX XXXX. Even after me providing paperwork and forms of proof. 

This is a complete theft of my account and from corporations its unacceptable. 

Myself and my business are now out {$11000.00} on equipment we needed and are out of luck now.
Consumer complaint received 2024-10-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Line Financial, PBC (PA)

On XX/XX/XXXX I was approved for a XXXX dollar cash advance that had to be paid back on the next payday which is XXXX. This information was on the app, and I had two more days to pay it back. XXXX fraudulently took XXXX of the only money I had in my checking account out this morning ( XX/XX/XXXX without authorization and left me with a XXXX balance. I was embarrassed at the gas station and needed the last few dollar to get me through until payday. I had a repayment date for XXXX as I had to connect my bank account through plaid which states when deposits are in my account. I ended up receiving some money through another means and it was in my checking account. Beem ended up taking the money out without notification or authorization and stated that was in their terms because I did not have a scheduled pay due date. This information is false and I want my XXXX back as well as the account closed, and also I would like compensation for the unethical practice and fraudulent activity they did on my account.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CO)

I am attaching the documentation I have regarding the duplicate charges from XXXX XXXX for a utility sink ordered XX/XX/2022. XXXX XXXX charged the USBank card 11 times. 2 charges on XX/XX/XXXX, one charge on the XXXX, two charges on the XXXX, one charge on the XXXX, two charges on the XXXX, two charges on the XXXX and 1 charge on the XXXX for the exact same amount of {$220.00}. These charges were in a Pending status on the USBank online activity site. 

I called XXXX XXXX and they said that their system will continue to charge, then credit my USBank card every day until the sink came in so I canceled the backordered utility sink and I ordered another utility sink. To date, I have not been credited for 4 of the charges of {$220.00} for a total of {$900.00}. 

I have battled between you and XXXX XXXX for 5 MONTHS! I finally got XXXX XXXX to send me proof of their claims that I was credited back on the charges that they did which were only 2. I am sending you their documentation along with mine to resolve this situation.

It appears to me that you owe my account 4 credits of {$220.00}. This needs to be resolved. I really dont want to bring attorneys into this but quite frankly, 4 months of this battle has taken its toll. 

Please resolve this matter immediately so we can continue to have a proper, secure working relationship.
Consumer complaint received 2023-02-07
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. (GA)

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 # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # 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 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 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

Chase bank is changing the terms of our credit card agreement, but the terms are all in legalese and written for lawyers. From what I can make out, they are arbitrarily assigning some things to be counted as " cash transactions '' but it's unclear what those are, in what circumstances that might apply, and so for. 

They state that I have the right not to accept the changes, but when I call in as directed they say they will close my account and destroy my credit. I've been with Chase since they bought Washington Mutual bank in the XXXX financial crisis and have otherwise not had issues with them ( and opted out the last time they changed the terms to force arbitration instead of class status for a dispute ), so I'm trying to figure out this opaque notice and them threatening to close my account if I don't acquiesce. 

Now I'm afraid because I contacted them and said I wasn't comfortable accepting the new terms that they will close my account anyway. What I really want is clarity but the phone operator couldn't provide it at all.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MS)

I had a credit card that was sent to a collection agency by the card issuer. The collection agency that they chose to collect this debt sent me a letter offering a settle for less than full balance. 
I paid this amount and requested the amount be corrected to a XXXX  balance on my credit report through XXXX credit reporting agency. They responded with a statement showing that the original creditor states that the balance is correct.
Consumer complaint received 2024-09-06
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. (GA)

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 Account Number : XXXX and list of Inquiries. 

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 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Please research then remove the following hard inquiries made to my credit reports : 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized 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 XXXXXXXX XXXX
Consumer complaint received 2021-01-28
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: CITIBANK, N.A. (AR)

We have a CITI Double Cash credit card and prevented from obtaining Cash Rewards earned. We access information at CITI website and learned 1-we have {$33.00} in cash rewards but unable to access or use cash rewards earned and 2-noticed a bogus charge of {$10.00} from unrecognized vendor but, again. no practical way to contact CITI. Have tried to phone numbers from CITI website, XXXX and then tried XXXX. Neither responsive to problems above, i.e., cash rewards of {$33.00} nor bogus debit on our account {$10.00} charged by unrecognized vendor. Cards issued to XXXX and to XXXX XXXX both ending in XXXX. Back of cards : " World Elite '' and Mastercard. 
XX/XX/2021 email : XXXX XXXX