davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-18
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. (GA)

On XX/XX/XXXX - I applied for an auto loan at a local Car Dealership and I received a good loan. However, as is standard practice I agreed that the dealer could contact multiple lenders in order to obtain the best loan possible. 

Today is XX/XX/XXXX - seven months later and according to CFPB Auto loan applications submitted within a 14 - 45 day time period should be treated as " One '' inquiry on the credit report of the applicant. 

I plan to submit an application for a mortgage Loan and I would like my Credit report inquiry to reflect or treated like I applied for " One '' Loan. My credit report is being negatively impacted because all XXXX inquires are shown and treated as XXXX different inquires which diminishes my overall credit score. 

Equifax lists XXXX inquires XXXX list XXXX inquires XXXX list XXXX inquries Thus, I am not being afforded the rights that I am entitled to under FDCRA - See the reference below : Ask CFPB Auto loans UPDATED XX/XX/XXXX What effect will shopping for an auto loan have on my credit? 

Shopping for the best deal on an auto loan will generally have little to no impact on your credit score ( s ). The benefit of shopping will far outweigh any impact on your credit. In some cases, applying for multiple loans over a long period of time can lower your credit score ( s ). Generally any requests or " inquiries '' by these lenders for your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry, depending on the credit scoring model used. You can minimize any negative impact to your credit by doing all of your shopping in a short amount of time. You could save hundreds or even thousands of dollars by shopping for the best rate and terms on a loan. 

For example, let 's say you are looking around for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as XXXX inquiry. If you shop for a mortgage loan at the same time you are shopping for an auto loan, the shopping you do for those two loans should count as XXXX separate inquiries. 

And do n't worry about all those promotional offers for credit cards impacting your credit score ( s ). These promotional offers do not affect your credit score ( s ).
Consumer complaint received 2017-11-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NJ)

I dont understand how my private loans 2 weeks ago had a balance of {$100000.00} And today it is at a balance of {$110000.00}. I dont understand, and furthermore, I dont understand why my son was made a co signer when he was never listed on the website and when I asked that he be removed, he was then added to website. I placed a complaint a while back about this. Im not satisfied with this response since there is already a primary co signer to this account, XXXX XXXX. Even though my payments have not been late for the past 24 months, I have not been able to remove my son, XXXX XXXX. The reason is because Im paying the interest off. I am sorry, but currently that is all I can afford.
Consumer complaint received 2017-11-18
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: JPMORGAN CHASE & CO. (FL)

My identity was stolen. At the early part of 2016, I started to receive telephone calls from several credit card and a exercise equipment company stating that I had taken out credit and had began to go delinquent in my payments. I filed a police report and provided it to all the creditors that I did not recognize on my report. While some companies have removed the fraudulent accounts from my report, Chase is one company that has refused to do so. I hired an attorney to handle this matter for me. He stated that Chase would only agree to settle the balance that had now charged off. I made all the installments to pay it in full. However, the impact of identity theft is still affecting me because this shows as a negative entry on my credit. I would like for Chase to take in consideration all of the documentation I 've provided on identity theft and the great lengths I 've gone to get this rectified. I have disputed this in writing and directly through the bureaus but no one will listen to me! I have even agreed to pay money back that I never received. I want them to remove this from my credit report because we NEVER were in business on this account and they have come out the victor by getting money from me anyway.
Consumer complaint received 2017-11-19
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: Clarity Services (CA)

I contacted the companies to ask for proof that I authorized this inquiry and have not been provided proof to date. Two accounts were for I believe rental property and XXXX XXXX XXXX XXXX have ignored my request for proof of my authorization.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Consumer complaint received 2017-11-18
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. (PA)

I have notified XXXX several times over the past year about accounts that are not mine however they keep saying they are my accounts and refuse to remove them.
Consumer complaint received 2017-11-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

We just went through a period where we were making extra payments due to my having been out of work earlier this year without pay. Now we are trying to make our normal payment but we ca n't reach anyone at the phone number, they are no longer open after XXXX EST and when calling during normal business hours, no one answers the phone. I 've seen numerous complaints online from other customers as well about the same thing. I 'm afraid that if we ca n't figure this out, we 'll lose the house. I ca n't even make the payment online. The mortgage company is HFC, the phone number is XXXX. Thank you.
Consumer complaint received 2016-10-13
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Ad Astra Recovery Services Inc (TX)

I borrowed a short term loan in 2015 from XXXX XXXX in the amount of XXXX. I made payments of {$140.00} every 2 weeks for almost a year for a total of {$2100.00}. It turns out NONE of the fees went to pay down the loan or toward interest and it just turned into one long vicious cycle. Now they are harassing me sending threatening emails trying to make me lose my job. They say in the emails that a court case was filed but the court said none existed. I received a text from them recently that said be at my house at XXXX to be served papers. No one came to my house. I am very frightened of their tactics and not sure if they are sending someone to threaten me in person. Then I received two letters from a couple weeks apart with one backdated to XX/XX/XXXX and another dated XX/XX/XXXX. The XX/XX/XXXX letter references a letter a never received and the XXXX said I had run out of time to validate the debt which is a violation of the 30 days allowed under FDCPA Section 809. I think they have done this as a form of harassment. I feel as if they are loan sharks capable of doing whatever they want to me.
Consumer complaint received 2017-11-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP (MN)

On XXXX XXXX of XXXX around XXXX to XXXX am I called us bank online and asked to talk to someone on the loan department, then they transferred me to a lone officer, and I told them i want a personal loan of XXXX dollars. then he went through the application with me online, on that process this banker was asking me all kinds of questions I 've never been asked before when applying for a loan. like where I came from and where i am spending the money and all that, am i spending the money in the united states or what. So i told him yes i was spending the money in the US after everything he told me to give him a minute to submit my application and i did. After he came back he told my i was not approved. why i am saying this is because this U.S bank is discriminating me because he knew i was XXXX. why i am telling you is that the united state is equal lending opportunity because my credit score is XXXX or more, with that i see no reason why this guy would deny me my right and secondly i have been banking with us bank since XXXX till now, there was an inside that happened XXXX when i got a credit card from us bank after awhile i went into hardship and i could n't afford the payment and interest anymore that was in XXXX about XXXX to XXXX i was still struggling to pay the credit card, i got into the credit consolidation assistance, so the credit card was forgiving about {$8000.00} or more, on that year income tax XXXX they reported the forgiving of the money to the IRS , and the IRS told me that i did n't complete my income, that the money they forgiven was part of my income, so they sent me the for and i had to pay the taxes on the money forgiven, after that my credit was bad, but i started working hard to build my credit till now so once i found out all this when the Us bank denied my right, i quickly called my other bank and gave them my information and everything, they ran my application online and i was approved and i should come and take the money right away. Then i strongly believe that U.S bank was bias about me, I am going to attach my  banking statement with U.S bank so you can see, my direct deposit is split in 3 ways and the largest portion goes to U.S bank, I don ; t know what the problem is because i am very very worried about this, sir or ma'am look into this matter so i can know how to proceed. The U.S Bank portions are at the very end of the 2 payslip.
Consumer complaint received 2017-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Someone using Bank of America Credit Card Services signed up for E-Statements using my Email address instead of theirs. 

I contacted Bank of America by phone and email several times to alert them to the obvious privacy issues. The instead treated me like a criminal and no corrective actions were taken. 

I am still receiving someone else 's E-Statements. There is no unsubscribe link. 

If someone was getting my E-Statements they alerted my bank to this blatant issue, I would hope that my bank would try to correct this.
Consumer complaint received 2017-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC. (OH)

They will not let me close my bank account. 
I tried closing it on the phone just now but can not reach a customer representative. 

I just sent a message on the website but I have no idea how that will work out.
Consumer complaint received 2017-11-19
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: Experian Information Solutions Inc. (NY)

Experian has proven their incompetence several times. Now again they did n't correct an error on a XXXX account showing closed by credit grantor, which I contested it that it was closed by consumer, although they acknowledged proof I have sent they still not correcting it. They forcing me to start litigation! this company is not complying with FCRA guidelines.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

I 've tried contacting Equifax over 4 times across multiple days to remove a credit report control lock from my credit report and each time, the representative was unsuccessful because of some " system glitch '' causing the system to not process the request. 

On Wednesday XX/XX/XXXX, I called Equifax to remove what I thought was a freeze on my credit report. Long story short, it turned out that it was actually a credit report control lock and took a few departments to figure out who I needed. Once I got to to the right department, the representative told me their system was having issues and to call back in 45 mins. After I called back after then, I was told their system was still having issues and to try again in 2-3 hrs. After calling back after then, the person was supposedly able to submit a request to remove the lock and said to call back in 2-4 hrs to confirm that it was removed. I called back after 2 hrs and the lock was still on and a representative said she 'd try to remove the lock again herself. She tried removing it, but apparently their system was still having issues and told me to try calling tomorrow after waiting for at least 10 mins for the system to process. 

On Friday XX/XX/XXXX, I went to apply for a loan and was denied the loan because a lock was still on my account. I called Equifax again that afternoon and another person tried to remove the lock, and yet again their system was having a glitch so much that after waiting on hold for 45 mins for the system, the person said to try calling again after a day. 

Equifax should be able to process a simple request to remove a lock on a credit report and system issues should n't run across multiple days. Also, I should n't have to continually waste time calling them to make new requests when they know I want to remove the lock ; they should put it in their queue to try again and call me back when it is complete.
Consumer complaint received 2017-11-18
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: JPMORGAN CHASE & CO. (VA)

Hi my problem is not that the company chase doesnt know what to dispute! Rather, they dont want to dispute! 

So I need your help to find out why and who would like to risk the chase brand name and reputation to willfully abuse its customer! 

I am the chosen one on their radar! So it should be fairly straightforward to bring the issue on the table and listen to their side of stories! 

Thank you very much XXXX XXXX XXXX
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

On XXXX XXXX XXXXXXXX AND XXXX XXXX WAS REMOVED FROM MY CREDIT REPORT. NOW AS OF XXXX/XXXX/2017, THEY WERE PUT BACK WITHOUT NOTICE FROM EQUIFAX
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

Bank of America has a section on its website where you can " check for customized offers. '' I did and based on the wording, the website made it seem as though the bank was pre-qualifying me for a credit card, and with this confidence I applied and was denied adding a hard inquiry into my credit report. The wording for the " check customized offers '' section makes it seem as if consumers searching for credit are pre-qualified for the credit cards listed because one is not able to see the credit cards until entering information such as name, social security number, date of birth etc. This is very misleading for consumers and costing them a hard inquiry which then affects their credit score! Bank of America must stop this misleading practice, essentially billing a " customized offer '' as a pre-qualification offer of sorts.
Consumer complaint received 2017-11-19
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. (CA)

I have sent two sets of letters to have inquiries removed that I did not authorize. XXXX inquiries are concerning property rentals which I didnt authorize and live in a house and wasnt looking to move. XXXX from a credit card I didnt solicit and declined their credit offer and they closed the account when I contacted the creditor and lastly a inquiry for a car purchase when I had my financing in place.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I WAS RECENTLY NOTIFIED THAT MY INFORMATION WAS INVOLVED IN A DATA BREACH AND SOMEONE TRIED TO OPEN A BANK ACCOUNT IN MY NAME. I PULLED MY CREDIT REPORT AND NOTICED INQUIRES THAT I DID NOT AUTHORIZE, AND I DIDN'T TRY TO OPEN ACCOUNTS WITH ANY OF THESE COMPANIES. PLEASE REMOVE THE FOLLOWING INQUIRES AS THEY WERE NOT AUTHORIZED BY ME. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-11-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

XXXX XXXX lease was At the end of my lease of 39 months. I called and extended my lease for 6 months and was told me it was month to month and i can turn it in any time and pay for keep making payments as i go along. Well 3 months later my wife and i decided to cut our cost so called and asked for end of lease inspection and since i made payment for following month i asked them to to hold that payment for lease turn in fees. So after run around to get lease inspection took them two weeks due third party company over booked. After calling and keeping them updated about the inspection and making sure my payment will go towards the turn in fee and not another month of payment. They confirmed me that information couple times that will once finale bill is posted and will take a month. Got my last bill shows i owe {$350.00} for lease end fee. So I called told them i have paid them {$500.00} for month that I did n't have the car was turned was told by their staff that it will go towards my lease turn in bill they claimed they did n't have any notes of such. My lease was on month to month and they took my payment even when my car was turned in.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (OR)

In XXXX, I applied for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to reduce my monthly mortgage payment. During a trial period of XXXX  months, I made a new payment amount of {$760.00} as stipulated. It was less than my regular monthly payment of {$1300.00}, and I later found that my credit report reflected as 60 days delinquent. 

Since I had complied with the XXXX terms, I disputed my credit record with XXXX in XXXX, XXXX, and the determination was that Wells Fargo had reported my account status correctly. In XXXX, XXXX, I disputed my delinquent credit history again, this time with XXXX and directly with Wells Fargo. Both determined that my credit history was accurate. 

In XXXX, XXXX, I received a letter from Wells Fargo stating that my account had been incorrectly reported as delinquent to the credit reporting agencies during the XXXX trial period. I filed a complaint with Wells Fargo to ask what remedy there would be for this XXXXyear-old error. Delinquencies remain on a credit history for XXXX years ; correcting the error with the credit reporting agencies at this point does nothing to repair the damage already done. In fact, the timing of Wells Fargo admitting their error only after the delinquency period had passed is suspect. 

In XXXX, XXXX, Wells Fargo declined my request for financial compensation or any remedy other than notifying consumer reporting agencies of their error.
Consumer complaint received 2017-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I ordered 120 checks from Bank of America delivered to my address. The tracking information indicated that the checks were delivered to my address on XX/XX/XXXX. The checks never came. On XX/XX/XXXX, I contacted Bank of America to void the checks. The representative declined, stating that they could only issue a 12-month stop payment on the checks, after which they could be used by anyone who had access to them. I would then be able to issue another 12-month stop  payment ( assuming that I remembered in a year that I had these checks floating in the ether through no fault of my own ) for a {$30.00} fee ( again for a problem that occurred through no fault of my own ). I said that I wanted the checks voided. They declined. I asked for the situation to be escalated to someone higher up. The representative declined, and instead offered that I could also close the account and reopen a new one -- which would mean that I 'd have to reprogram any automatic payments associated with the account and routing numbers. This is preposterous, because it is common sense that banks should have a way to void checks they failed to deliver to paying customers.