davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-28
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: EQUIFAX, INC. (TN)

XXXX  and Equifax is not allowing me to get access to my mortgage credit scores. I recently made an application to get a first time buyer 's home mortgage loan. When I received my scores from the lender I was not aware of the scores they sent me, a copy of the scores XXXX and Equifax provided them. These score are XXXX 's XXXX XXXX XXXX and Equifax 's XXXX XXXX XXXX model scores. I was able to get a copy of XXXX  's XXXX, XXXX XXXX XXXX score from a membership subscription they provide to me. My mortgage score from XXXX  and Equifax seems to be impossible to obtain. I need access to these mortgage scores from these two credit bureaus to know what they are before applying for a home loan. They are using different models with XXXX XXXX XXXX XXXX XXXX  XXXX ) which is easy to obtain, but this is not the scores used to get a mortgage loan. I recent had an issue with XXXX  not updating and report accurate credit card information. I believe this caused me to be denied over one point ( XXXX  ) with XXXX 's XXXX XXXX XXXX due to not reporting accurate account information on my credit report. Yet, without me having access to the correct credit score model for a mortgage, I am in the dark of when and how this score is updated/calculated. I have a monthly membership subscription with Equifax with the XXXX XXXX  XXXX score of ( XXXX ), but they are not providing me with the XXXX XXXX XXXX score to know my mortgage score. The same issue with XXXX  's XXXX XXXX  XXXX of XXXX. This is very confusing because these two credit bureaus agencies are not being fair on the access to the mortgage scores that the mortgage lender pulled with the application I submitted on XXXX XXXX, 2020. If XXXX  can provide access to my mortgage credit model score, I should have the same fair option to obtain these hidden score from XXXX  XXXX XXXX XXXX XXXX XXXX and Equifax XXXX XXXX XXXX XXXX ).
Consumer complaint received 2020-11-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

This company is dodging their duties and telling me that my complaint wasn't sent by me. I am submitting the letters along with a selfie of myself holding my ID to verify my identity.
Consumer complaint received 2020-11-29
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (AZ)

Sallie Mae has over 3 accounts showing closed on my cras with incorrect payment records that are adversely affecting my credit scores during a pandemic. The CARES ACT was supposed to help but sallie Mae refuses to remove the old closed accounts or remove the late payment statuses
Consumer complaint received 2020-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

XX/XX/2020 at Huntington Bank XXXX XXXX, XXXX  XXXX opened XXXX XXXX check account. Personal banker Mrs. XXXX took information, deposited initial deposit of {$12000.00} which would be half of balance needed for requirements to receive a {$500.00} bonus. We did a {$.00} test deposit so I could go to my account online and make deposits and manage my account. Followed up a couple days later, still no account, unable to manage account or make a deposit. Not even able to locate an account online. Called bank, no answers as to where my account was in this institution. Returned to this bank 's branch in XXXX XXXX, Illinois to receive my initial deposit of {$12000.00} after several calls and confirming with my banks that checks had cleared for the {$12000.00}. After several calls and waiting was able to receive my deposit. Filed a complaint with Illinois AG Office. On XX/XX/2020 received a call from a Mr . XXXX XXXX of Huntington Bank who basically stated " His bank could refuse to open an account with anyone for any reason they deemed necessary ''. I asked for a reason in my case, he claimed he did not know. 
I asked why he called, he stated just to inform me. I I have 800+ credit score, bank relationships with XXXX XXXX and XXXX XXXX . Purchased a home, mortgage from XXXX XXXX in XX/XX/2020. Why no account with Huntington??? I want them to pay the {$500.00} promotional amount that I was prepared to meet the requirements to obtain.
Consumer complaint received 2020-11-29
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX NOT CORRECT ^^^ADDRESS, REMOVE ALL ADDRESSES ABOVE ^^^ XXXX XXXX XXXX Closed. {$530.00} past due as of XX/XX/XXXX. 
{$8300.00} XX/XX/XXXX Recent Payment XXXX XXXX XXXX NEVER LATE XX/XX/XXXX XXXX XXXX XXXX Closed. {$480.00} past due as of XX/XX/XXXX. 
XX/XX/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 2020-11-27
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)

This is a complaint against JP Morgan Chase and the credit cards it issues. Specifically on XX/XX/20 I decided that I no longer wanted to possess an annual fee product called the Chase XXXX XXXX XXXX XXXX card. That evening I spoke to customer service and terminated that product. 
I indicated to the agent that I wanted a similar Chase product without an annual fee and I would apply directly. On a recorded conversation the agent acknowledged the conversation and closed the account but never warned that I would not be eligible to apply myself for 48 months. Based on that the next day XX/XX/20 I applied directly for the no annual fee Chase XXXX XXXX product and in writing was FALSELY told " You already have a XXXX credit card account with us '' - ( Ref # XXXX ). In a XXXX/XXXX/20 letter from the Chase Executive office ( Ref # XXXX ) they claimed that the computer system at Chase did not update in a timely fashion believing that I was applying twice for the same or similar products when in fact I had none. There confusion about a false positive was used as an excuse to deny me consideration for a new product-the first time. In the XX/XX/20 letter ( written as a response to former CFPB Complaint ID # XXXX XXXX Chase Executive Office staff wrote " ... however you can submit a new application if you would like and we will make our decision based on your qualifications. You won't be eligible for any new enrollment offer ... ''. Based on that I reapplied on XX/XX/20 for another Chase XXXX XXXX product and without considering my qualifications was rejected for the second time and told " You earned a new account bonus on a Marriot card in the last 24 months ( Ref # XXXX ). This letter negated the representation of the Chase Executive Office that " ... however you can submit a new application if you would like and we will make our decision based on your qualifications. You won't be eligible for any new enrollment offer ... ''. Regrettably any outreach to the Chase Executive Office became futile. Specifically the XX/XX/20 letter XXXX XXXX XXXX # XXXX XXXX suggests that ... '' If you have any questions please call Txxx at 1-877 ( -omitted confidentially ) - extension # omitted for confidentially. Sadly I placed two calls on XX/XX/20 to Txxx - ( name omitted ) -with one documented voice mail and never the courtesy of a returned phone call. On the second call I asked if anybody at the Chase Executive Office would assist but all inquiries were directly routed to Txxx ( name omitted ) with a resulting non response- If she had returned my call I would simply have asked about an application for a Chase XXXX XXXX with no reward as suggested in the XX/XX/20 letter but she nor anyone else in the Chase Executive Office demonstrated no interest in speaking to me about this concern! Based on these systemic failures by JP Morgan Chase I am requesting third party intervention.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts. I believe that i was victim of Identity Theft, someone stole my personal information and applied for all these companies.
Consumer complaint received 2020-11-29
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. (FL)

Upon checking my credit report I found a delinquent account for {$1800.00} that was not mine. It was at in XXXX XXXX hospital in XXXX XXXX XX/XX/XXXX on XX/XX/2016. On this day I was actually in court. Proof and documentation that was submitted to original creditor debt collector as well as the credit reporting agency. Upon asking where this bill came from, where this account came from, who do you original creditor was, XXXX XXXX XXXX told me that the original creditor was XXXX hospital XX/XX/XXXXon the date of XX/XX/2016. I worked extensively with XXXX XXXX and XXXX XXXX of XXXX hospital XXXX XX/XX/XXXX Eating them their investigation in supplying all the different reports police reports and documentation needed. Both XXXX XXXX XXXX and Miss XXXX verified that this was not me it was a fraudulent account and that it should not be reported on a credit bureau agency again. They told me that they reached out to everybody that they could to inform him of this year vacation. But XXXX XXXX and Experian both kept reporting it and said that it was a dollar discount. Even XXXX XX/XX/XXXX who I also submitted all this documentation along with the letter from the hospital said that they had submitted it for removal it would just take a break and out of time. However XXXX XXXX and Experian decided they wanted to keep it on there even with it being verified from the original creditor And debt collection agency that it was not mine it was fraudulent that it was deemed to be removed.I mean they had the LETTER from the original creditor saying that it was not mine! I find this very irresponsible especially in with the Covid pandemic we were all struggling beyond Our wildest imagination.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (NJ)

Friday XX/XX/2020 I received an unsolicited debit card from Bank Relia. 
I phoned them but could not get to an agent without entering private information. There was one phone number for complaints and activation.
Consumer complaint received 2020-11-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have filed disputes against XXXX for reporting an inaccurate balance to XXXX, XXXX and XXXX, 4 times in XXXX and 3 more times in XXXX, each of those times the credit bureaus claimed XXXX confirmed the accuracy of the balances they have been reporting. However, that is not possible as XXXX themselves have admitted reporting the wrong balances to the credit bureaus starting from XXXX through XX/XX/XXXX. They have even sent me a check reimbursing me for the amount they claimed I owed which I did not. I have attached the letter which states the following ; Were writing because we discovered that you were not reimbursed for finance charges as part of a previous credit card dispute. To correct this error, we have issued you a refund for the finance charges and any applicable fees and interest associated with the failed reimbursement. 

For the record I have not and do not intend to cash this check as I believe the amount XXXX owes me is far greater. However, XXXX admissions clearly confirms they have been reporting wrong information to the credit bureaus and have wrongly denied my disputes. As a result and per Federal and State of Michigan laws, XXXX, XXXX and XXXX must delete these tradelines immediately. If XXXX attempts to deny my request they are recklessly and deliberately breaking the law for the sole purpose of causing me harm. This dispute will be followed with a lawsuit against XXXX to recover damages. The letter I have provided is a material fact.
Consumer complaint received 2020-11-28
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-11-30
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: GOLDMAN SACHS BANK USA (AZ)

Marcus advertised that we can open a joint account with myself and my husband. I successfully opened the account in my name, but received an error when adding my husband after having transferred XXXX of our jointly held funds. We called Marcus, and the customer service agent tried to add my husband but the system prevented her. She said to try again online in 24-48hrs and call if that does not work stating there is a manual process requiring additional documentation. We tried again online and it failed. We called Marcus again, a new customer service agent tried to add my husband and the system once again failed. I asked about the manual process, and she was not aware of one. I requested a supervisor who verified the information and suggested we try again in 24-48hrs. He also stated there is no manual verification process to prove identity. Our money is now sitting at Marcus in my name only. Beyond the frustration of Marcus not being able to do what they advertised ( open an joint account ), there are potential legal and tax ramifications. If I die, my husband would not be able to readily access money that he had full ownership of prior to us trying to open this account.
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

I applied for a vehicle refinance loan for a new vehicle purchased in XX/XX/2020. I completed the application accurately and was told my loan was approved. I called the toll-free number provided by Bank of America to complete the process. The loan officer confirmed some information but informed me there was a question about my address. He put me on hold and spoke to underwriting. The underwriter told him they could only verify my previous address and therefore would not be declining my loan. Here is the base of my complaint : 1. They originally approved my loan and provided me instructions on what to do next 2. I have lived at my current address for almost 3 years 3. My wife and I have credit cards with Bank of America at this current address 4. I routinely receive credit card offers from Bank of America mailed to me at this address 5. I have multiple loan products at this address - including the car loan in question as well as my mortgage ; as well as the credit cards with Bank of America 6. They provided no remedy for my situation - the car registration and payoff letter they require for the loan has my current address on it Their process is antiquated and misleading. My credit is accessed and a possible inquiry against my credit has occurred. They initially approved the application then decline it with no reasonable method available to resolve the issue. An address discrepancy is easy to rectify against the documentation they require for the loan in the first place ( registration and payoff letter ). I understand bankXX/XX/XXXX XXXX, and fraud mitigation processes as I have been in the industry for over 20 years. However, their practice of approving a loan then denying it due to misinformation within their own system is unacceptable. Being approved then denied even though they have the correct information on file is misleading. A credit inquiry for a loan denied for the reason they provided is harmful to consumer credit ratings.
Consumer complaint received 2020-11-28
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: Experian Information Solutions Inc. (NV)

I found a notice on my credit report from Experian Credit Reporting Agency of a debt of {$270.00} to XXXX XXXX for an account opened on XX/XX/2015. Because when I picked up the mail I remember that my previous roommate was always receiving mail from XXXX  XXXX/XXXX, and I made the deduction that this must be something that belonged to her. I submitted a notice of disagreement, explained to Experian what I thought could be the problem, and informed them that I have never had an account with this company. A few weeks later I received a notice from Experian that the debt had been checked into and the debt was mine. I then called Experian and I was told that the only one who could remove the charge was XXXX  XXXX. I then asked for a telephone number which I was given. I called the number given and received a recording that the number was no longer in service. I then started a computer check for the company, and after many calls, I finally reached someone in the fraud department of XXXX  online shopping. She informed me that there used to be a XXXX XXXX XXXX, but it had been acquired by another bank. I asked if she by chance had a phone number, which she did and I called the number. I explained to the female who answered the call and she asked me for
Consumer complaint received 2020-11-27
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. (LA)

On XX/XX/2020 I found an inaccurate and unknown accounts on My credit report. Its over 30 Days today But No Response. I was a victim of XXXX  Data Breach. I want to delete those accounts ASAP or I will file a litigation.
Consumer complaint received 2020-11-27
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. (LA)

On XX/XX/2020 I found an inaccurate and unknown accounts on My credit report. Its over 30 Days today But No Response. I was a victim of Equifax Data Breach. I want to delete those accounts ASAP or I will file a litigation.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Block, Inc. (TN)

Square INC and or its subsidiaries and banks have maliciously put my business name and my name/social security number on the MATCH/TMF list, hence marking myself and or my business XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX blacklisted from obtaining a merchant processing account. 

I do have knowledge of my previous SQUARE INC account under the email address of XXXX ; where a foreign imposter gained access to credit card processing and attempted to process several fraudulent credit card transactions. These fraudulent transactions were unknown to me until after they had occurred, furthermore, now I am blacklisted I have a business where I potentially can bring in {$28.00} Million in credit transactions per year but I am being blocked from doing so. I never intend to ever do business with SQUARE INC since this egregious action by SQUARE INC was committed. 

Hereby the legal team at XXXX XXXX and its executive officers DEMAND SQUARE INC remove me, and all companies from the MATCH/TMF list promptly. This will be the final warning before federal litigation will occur. 

/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2020-11-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (SC)

I have attempted as indicated by CFPB complaint ID XXXX to inform Convergent that this debt is invalid and possibly fraudulent. The company has yet to provide me with an accurate accounting of the debt. And in speaking with them approximately three weeks ago, I wanted to get rid of this issue so I called to research the debt yet again and discuss settlement options. During the call however, the agent asked if he could stop the recording which I found extremely suspicious. He then began to ask if I had returned all of our phones, to which I replied yes. I used the shipping information and packaging I was sent from XXXX. Then I asked, " is that what this debt is related to? ". Then he began to try and distract me from that issue, and I pressed him to give me the real reason for the debt again with the recording on and he would not so I ended the call.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

My loan on a finance vehicle as a cosigner with XX/XX/XXXXXXXX is being reported in accurate several times after trying to resolve with the company, I was a part of a multi state settlement with XXXX XXXX XXXX and my New Jersey attorney generals office, my account is in litigation and is to not be posted to my credit report because the account was paid off and closed, XX/XX/XXXX my account was showing paid off with a XXXX balance, also received a letterFrom the attorney generals office of New Jersey on XX/XX/XXXX confirming, will attach documents