davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

I have a ShopYourWay Citi Credit Card I opened a few months back. I was able to use it and make purchases fine for a few weeks but then it was locked for potential fraud. I called customer support and got that issue resolved, providing my info and verifying my transactions as requested. Card worked for another few days, then was locked again. I called customer support and this time was placed on hold on one line, while receiving a second call to verify my identity. Card was successfully unlocked and I requested that they please stop locking my card, and make note that this card was going to be see a high volume of transactions. Card was locked again within a few days, and was unable to be unlocked. Customer support was not willing to verify my information any more over the phone, and advised me that they would call back within XXXX hours to provide a pin of some sort to unlock my card, OR that I would receive a letter in the mail with the necessary info to fix my account. Neither such method of communication was received. I waited two weeks, more than enough time for either method of communication, and then called back and tried to get the hold removed, with no luck. Customer support advised that they would be sending a letter or calling me once again, however it has been another two weeks and I have still received no communications from Citi Bank. This is incredibly frustrating as no attempt to resolve my issues is being made by the bank, and support staff are unwilling to verify my card even with me willing to provide any info required.
Consumer complaint received 2024-01-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

Hello, I am writing to request your immediate attention and assistance regarding my home loan application process with First Citizens Bank, which commenced with an opening of escrow on XX/XX/XXXX. Despite satisfying all contingencies associated with the application, I have encountered significant obstacles and lack of clarity, specifically concerning the final and critical loan contingency. 

My journey with First Citizens Bank 's first-time home buyer program started promisingly, with an initial pre-approval. However, the ensuing process has been marked by inefficiency and a lack of transparency, leading to considerable distress. A recurring issue has been the repeated requests for documentation that had already been submitted, highlighting a concerning disconnect in communication between my loan officer and the underwriting team. 

The loan, necessitating detailed scrutiny, has been delayed significantly, particularly regarding an inquiry into my past payday loansa debt category I have responsibly cleared. The anticipated closing date of XX/XX/XXXX has passed without any definitive update on my loan 's status. Despite my proactive efforts to communicate with both the loan officer and their manager, I have been met with evasive responses and no concrete information regarding the underwriting decision. 

Moreover, the discovery that the loan is now deemed unwarrantable came as a shock, especially after incurring expenses of nearly {$2000.00} on inspections and appraisals. This revelation is alarming, considering all other aspects of my application have been satisfactory. It raises serious questions about the banks due diligence and the integrity of their process. 

This experience has left me with undue stress and XXXX. Therefore, I am seeking the CFPB 's intervention to facilitate a prompt and transparent review of my application. I respectfully request a clear and detailed update on my qualification status, and if there are grounds for disqualification, I ask for a comprehensive explanation consistent with First Citizens Bank 's official policies and procedures. 

Your intervention is crucial in ensuring that my consumer rights are upheld and that the principles of fairness and transparency in the home loan application process are maintained. I trust that the CFPB will address this matter with the seriousness it warrants. 

Thank you for your prompt attention to this pressing issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have noticed a lot of emails and transactions on my credit report recently. I was exposed to a data breach where my personal information was taken and used fraudulently. I am certain that someone is using my identity to open accounts and make charges to existing accounts. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-01-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Happy Money, Inc. (IL)

ood afternoon! I must say I am very frustrated with THESE COMPANIES. I have been trying to get a loan with THEM for years. Even when I had a XXXX to XXXX XXXX XXXX, I could never get loans with you. I have been wondering for many years that maybe it's just me and maybe it's my credit. I have been going years and years with disputing things off my credit and getting my credit as high as ever. I have done everything to try to make my credit manageable, and I have still BEEN turned down for a loan every time. So now we are gon na do things my way! Let me inform your company of some Laws protecting consumers. XXXX cfr part XXXX talks about the Equal Credit Opportunity Act. Consumers by law can not be denied credit. By law you all can not deny me credit transactions for any applications. Please see the screenshots below I am a CREDIT WORTHY APPLICANT. Individual accounts can not by law deny me credit. This is DISCRIMINATION. I have many adverse action letters even from when my credit was even in the mid XXXX and I was still getting denied. So it makes me think who is responsible for this, the credit bureaus or your company.. Please refer to the other screenshot below. Adverse actions are illegal amongst consumers. Adverse action : ( ii ) does not include ( I ) information solely as to " transactions '' or experiences between the consumer and the person furnishing the information; or ( II ) information in a consumer report. These are transactions that I have applied for for years and I was turned down everytime. This is {$1000.00} per violation if I pursued this towards court. This is 15 u.s. 1681m. Please view that as your company has broken this law and has resulted in me being denied for credit over and over. My SSN is my credit card which has been unauthorized by your company, bureaus etc. So you all can make money off my ssn but I can't benefit from credit transactions which are illegal!! Loans, Mortgage, car notes etc are extensions of credit transactions! There is civil liability for violation of these laws! Please see 15 usc XXXX. I posted the screenshot below I have been denied credit from you for years and I refuse to be denied again. Please forward this to your manager or corporate and have them contact me immediately! I want a loan of {$50000.00} or higher. I deserve that amount for all the years of frustration your company has caused me!!! I also want to get some credit cards to improve my credit asap! Please don't make me go to higher authorities and take you to court like I may soon do with the credit bureaus. If I take you to court, I have consumer rights attorneys waiting for a case like this. Keep in mind, this is {$1000.00} per violation and I have years worth of denial letters from you so you do the math Thanks! XXXX XXXX
Consumer complaint received 2023-01-10
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. ()

In XX/XX/XXXX i was approved for a used automobile loan with a lender named XXXX XXXX, which is located in XXXX XXXX, XXXX. 
In the contract that i signed at the dealership where i purchased the automobile there was included a powertrain warranty. the powertrain warranty entaled that if the engine or transmission in that automobile i purchased ever failed then the dealer and the lender that i purchased the automobile through had the responsibility of either replacing the failed mechinism in that automobile or the automobile loan would therefore be terminated. 
In early XX/XX/XXXX i noticed on numerous occasions that the automobile was not operating the way it was supposed to, or not the way it was when i puchased it less than two months prior. in the third week of XX/XX/XXXX i tried to contact the dealership where i purchased the automobile. without success i then successfully contacted a loan officer at the XXXX XXXX XXXX XXXX XXXX, located in XXXX XXXX and told them the problem and the contract was voided. but this matter is still showing on my credit report as unresolved please fix this matter for me please asap thank you sincerely XXXX XXXX XXXX
Consumer complaint received 2023-01-10
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. (NC)

I have noticed a lot of emails and transactions on my credit report recently. I was exposed to a data breach where my personal information was taken and used fraudulently. I am certain that someone is using my identity to open accounts and make charges to existing accounts. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OH)

I was notified that Chase Bank approved a XXXX Credit Card in my name without my permission. I requested they cancel it and provide me root cause. I wanted any documentation providing the reason this card was opened in my name. I want the timeline of events and any information that will help me identify the person who stole my identify or I want them to tell me they did it by mistake. They refuse to do so unless I go out to multiple websites they own and fill out multiple pages of requests. I said I can not do that and made a verbal request and they refuse. It should be the sole responsibility of Chase to provide all information pertaining to this error, regardless of what format the request was made, until I am satisfied. I should not having to jump through hoops designed to fatigue people into just giving up. I want a documented account of the investigation so I know how this occurred and can decide what to do next. THis is fraud. This is illegal, I deserve answers without having to go to multiple websites, credit bureaus, and down right disregard for what is right. Furthermore, if Banks should not be allowed to provide such cumbersome process to get information based on mistakes they made. They should be required to provide any assistance needed, in any way or format, to rightsize the issue. I have already submitted a complaint with CFPB but they called and did not provide what I needed still. they are still refusing to provide what I want only give me email and websites to go out and fill a bunch of paperwork out. No resolution at this time.
Consumer complaint received 2023-01-10
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. (CA)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX CA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5900.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00}, XXXX XX/XX/XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have disputed two hard inquiries on my Equifax credit report : ( 1 ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) Inquiry Date : XX/XX/XXXXXXXX  XXXX XXXX XXXX  XXXX I have contacted Equifax a total of 3 times for the purpose of disputing these inquiries, as I have never had any contact with these two businesses or given them permission to make hard inquiries on my credit files. I first contacted Equifax on XX/XX/XXXXXXXX  by filing an electronic dispute. Equifax completed this " investigation '' within 7 days with their determination being that the inquiries was valid and would remain on my credit report. I then wrote to Equifax on XX/XX/XXXX requesting that they provide documentation to support this, but never received any response or confirmation that my information was received. Finally, I filed a second electronic dispute of these two hard inquiries on XX/XX/XXXX. This time Equifax claimed to have finished their " investigation '' in less than 24 hours with the result being the same as the first dispute. As I have stated, I have never had any contact with these businesses and these hard inquiries should be deleted from my credit report immediately. I previously requested that Equifax provide me with proof that these companies were given the proper authorization to conduct these hard inquiries, by providing a signed contract or other supporting documentation. Equifax has failed to do so. Furthermore I believe that Equifax has failed to conduct reasonable investigations into this matter in violation of the FCRA and US Code 1681i. 

Equifaxs response from XXXX is absurd. Equifax has provided zero documentation proving these were valid inquiries to my credit report. I will be escalating this further until I receive said documentation.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

ON XX/XX/2022 THERE WERE 2 UNAUTHORIZED XXXX TRANSACTIONS THAT OCURRED FOR {$300.00} AND {$500.00} ON MY WELLS FARGO ACCOUNTS. UNDER REGULATION E THE BANK HAS THE OBLIGATION TO REFUND ME THE MONEY IF THERE WAS AN " ERROR '' THAT OCURRED. THERE WAS IN FACT AN ERROR BECAUSE I DID NOT COMMIT THESE TRANSACTIONS. I AGREED WITH THE BANK TO CLOSE MY ACCOUNTS AND OBTAIN NEW ACCOUNT NUMBERS. THEY NEVER REFUNDED ME MY XXXX DOLLARS AND TOLD ME IT WASNT A SCAM AND IM THE ONE WHO DID THE TRANSACTIONS. THESE WERE IN FACT A SCAM AND MY INFO WAS COMPROMISED. I REPORTED THE INCIDENT ASAP TO WELLS FARGO BUT THEY LOOKED THE OTHER WAY AND NEVER REFUNDED ME THE MONEY. I AM WRITING TO YOU FOR A SOLUTION BECAUSE I WANT MY MONEY BACK.IT IS NOT FAIR THAT A BANK IN WHICH YOU PUT TRUST INTO TO KEEP YOUR MONEY DOES NOT WANT TO GIVE IT BACK WHEN IN FACT IT WAS STOLEN BY A CRIMINAL. I ATTACHED THE DENIAL LETTER FROM THEM IN WHICH I DONT AGREE ON
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The website does not allow any login after updating my password several times, and the security freeze I have place on the account is no longer working. There is a problem with updating my email address, and my last email address is compromised, someone else is reading the emails.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NJ)

My own mother ruined my credit when I was younger she would always make me get on the phone and tell companies I agree and I never knew what it was for until later in life when I tried doing this with credit and was denied and I checked and saw so many debts left unpaid from companies she would frequently purchase from, she denied and then eventually told the truth but in true narcissistic fashion she blamed me saying it was my fault because as a child I asked for things that were expensive so instead of saying no she committed fraud using my name and ruined my credit with no intention of ever paying it back or fixing it, I was finally able to move away and when I did I realized just how bad it actually was I am denied from everything and struggling with my own child because I have this large debt that was not my fault.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (FL)

I applied for the Chase - United Airlines XXXX  card on XX/XX/2924 during our trip. When we returned home, the welcome packet and our card was there waiting for us. As we were looking through the information included, I noticed that there was a misspelling of my XXXX  instead of XXXX honest enough mistake. I called in to have the correct spelling put in my profile. I was informed by the representative that it couldnt be corrected by him, and in turn, he would send me forms to fill out along with corresponding copies of Driver License, documents from a court showing the legal name change ( which there isnt XXXX because I didnt change my name ), and a copy of my Social Security XXXX. Called in today when I got the letter from Chase to explain that I shouldnt have to go through all the paperwork and documents and sending them back. All I asked for was the energy needed for XXXX keystrokes. XXXX to remove the XXXX and replace it with an XXXX  No help - cant be done - the representative I spoke with ( XXXX ) read by from her script my steps need before I could exist. So I asked for her supervisor. I was transferred to XXXX. I explained my request and again was told that I needed to go through the process. I explained that I SHOULD NOT be doing this. She apologized, but just cant happen. I then asked for retention. Got transferred to XXXX in the checking department oops. She sent me to XXXX in retention. Again I asked him to please correct the problem. Nope. Gave me the address in XXXX, Ohio when I asked who I could contact next. I asked if I was liable for any charges on my statement since the name on the account isnt mine. He said XXXX would be able to call back to dispute all charges on my statement.. REALLY???? A loophole????? I can buy but not pay???? Again I was told I was correct. 
We hung up frustrated. 
I explained to my wife what happened and what I was informed of. She had me call back to retention this time I chatted with XXXX. I asked her to PLEASE change the XXXX letters she tried, but it couldnt.. And AGAIN was told how to fill the form for the name change- so I asked her the same question I asked XXXX XXXX She also said that I wouldnt be liable for the charges. Doesnt make sense.. I would never go down that road, but I could- the crazy part is that they know of the issue- see and acknowledge the loophole,, but refuse to just change the 2 letters. Doesnt make business sense.
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (CA)

Company is withholding {$13000.00} from an insurance claim. I have completed all repairs. They will not send an inspector to my house to verify work has been done. I have requested an inspection many times. They are the worst company I have ever dealt with. Customer service people are on mandatory overtime. They take 24 hours to even return a call when I call. I have provided all information multiple times.