davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (AZ)

I am applying for the U.S. Bank XXXX XXXX XXXX XXXX  on XX/XX/XXXX, since I receive a mail inviting me to open the account. I am also a US bank checking account customer and a customer for Fidelity Rewards Visa Signature Card which is part of US bank. I have a credit score of over XXXX. In the US bank card application, they don't set any rule for how many recent accounts I should have in order to get the card approved. I applied for the card but the application gets turned down because I have too many recent accounts, however, I only have 3 credit card hard inquiries ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) in the recent 12 months and 1 hard inquiry ( XX/XX/XXXX ) for the recent 6 months, and after XXXX this year, I will only have 2 hard inquiry in recent 12 months, and 0 hard inquiry for recent 6 months. I have attached the credit inquiry from both XXXX and XXXX credit reports in this complaint. This is should not be counted as too many recent accounts in any scenario. If a US bank has any hard rule for how many recent accounts you want to see, like XXXX has a XX/XX/XXXX rule, you should clearly write it up before I send my application, rather than waste one of my hard inquiries and lower my credit score. Now I really think this is unreasonable, and I know several people have more recent inquiries than I did and get approved for this credit card. I feel I have been treated differently and unfairly. When I call the US bank underwriter service for manual review, they just keep repeating like a robot that I have too many recent accounts, and are very impatient and rude. I feel very uncomfortable as a US bank customer now. I would like US bank to treat me fair and equally and manually review my application again. As I have explained before, I don't have too many recent accounts and this is not a valid reason to turn down my application.
Consumer complaint received 2022-06-23
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. (CA)

XXXX ACCT XXXX XXXX {$10000.00}, XXXX XXXX ACCT # XXXX {$3800.00}, XXXX XXXXXXXX XXXX ACCT XXXX XXXX {$8900.00}, XXXX XXXX XXXX ACCT XXXX XXXX {$8300.00}, XXXX XXXX XXXX ACCT # XXXX-XXX {$9200.00}. ADDRESSES NEVER LIVED AT ADDRESSES : XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX MI XXXX
Consumer complaint received 2022-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

XXXX XXXX, self purporting to represent Bank of America, is actually boldface asking the bankruptcy court for 2nd extension of time to respond to my complaint of wrongful foreclosure by XXXX XXXX XXXX, a self purporting trustee on a XXXX deed of trust, that filed non judicial action against me, not against the bankruptcy trustee or against the trust estate, telling the court that hes is engaged in private dealings with the local US Trustee contractor XXXX XXXX, behind my back, so he doesnt have to engage in dispositive briefing regarding BOA time-bared non judicial action under AS XXXX, which also violates RESPA 6a mandatory direct mitigation efforts with the homeowner before any foreclosure action, and also violatioing AK statute XXXX which clearly prohibits the non-judicial process from parties that have already litigated the mortgage before in court.
Consumer complaint received 2024-08-20
Product: Credit 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: NAVY FEDERAL CREDIT UNION (MD)

1st order was placed on XX/XX/XXXX via XXXX XXXX I returned the item see tracking number via XXXX XXXX package was received by you on XX/XX/XXXX I than placed another order with Navy Federal Debit card. Same item same price {$89.00} on XX/XX/XXXX when that order was cancelled with Navy Federal and funds were placed back into my account your company assumed that was the refund for the first order which was attached to XXXX XXXX  Any refund should have been returned to the original form of payment which is the XXXX XXXX order. As God is my witness I have not received a refund if I am lying I hope to XXXX but if you refuse to give an innocent man his hard earned money may you receive XXXX  upon your doors. You are lying I am not requesting a refund of {$140.00} I am simply requesting my {$74.00} thats it thats all..
Consumer complaint received 2022-06-23
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)

In accordance with the Fair Credit Reporting act, XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-06-23
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. (FL)

XXXX XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX  He told me it was going to be a soft inquiry and not hit my credit score. he was very misleading
Consumer complaint received 2022-06-23
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. (CA)

I have been aware for a long time that i have been a victim of identity theft. The bureaus have been no help. I have been trying to remove these negative, fraudulent accounts on my credit report and the bureaus refuse to budge. After a while i got in contact with a nice lady in the credit bureau an she instructed me to get a police report. That's exactly what i did and i have now included it in my complaint.
Consumer complaint received 2022-06-23
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. (TX)

i didn't ask for these companies cards and don't know where they came from XXXXXXXX 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
Consumer complaint received 2022-06-23
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

As of XX/XX/2022 between the hours XXXX XXXX and XXXX XXXX, I was contacted by a person who disguised himself as my first sergeant, named XXXX  XXXX XXXX. This person informed me that I was paid incorrectly, specifically a lower amount than what I should have been paid during my recent training at basic training for the XXXX. This person then instructed me to forward via XXXX my past three paychecks in order to assist him in repaying me the proper compensation. In all honesty, I was reluctant to believing this person. So then I forwarded four payments to the XXXX user, named XXXX XXXX, as instructed by XXXX XXXX XXXX. The payments I sent are in chronological order, beginning with the earliest to the latest payments : {$300.00} ; {$540.00} ; {$870.00} ; {$280.00}. After XXXX XXXX XXXX verbalized over the phone that the payments were successfully transferred via XXXX, he hung up. I tried contacting his phone number multiple times and could not get through the line with him. I then contacted Chase to cancel these XXXX payments, which I was then informed by Chase that they can not assist because I authorized the transaction via XXXX. However, I was mislead, and now I lost the above amounts without any assistance despite me being evidently scammed. I believe this is unfair, and I am deeply scarred and financially threatened. I request assistance on this matter.
Consumer complaint received 2021-08-24
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: Bridgecrest Acceptance Corporation (FL)

Recently I looked at a copy of my credit report and noticed this account. I feel that this account is adversely affecting my credit report I have disputed and contact them numerous times in reference to this account I've also provide them with a identity theft report this account is hindering me from purchasing my dream home. 

XXXX is the Balance
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OR)

On XX/XX/2022 I received my pension on my us bank reliacard. I tried to use my card but was unable to. I called reliacard and was told I needed to go online and verify my I'd as my card had been defrauded of money, I told them that I did not authorize that transaction. I received a new card and the money back that had been taken. I went online twice to the website to verify my identity on the XXXX and XXXX of this month, I also sent a copy of my oregon drivers license front and back with the information they require in the mail to the address they gave me. I have been calling reliacard periodically to see if the block has been removed from my card each time I'm told that they havnt received anything or any proof that my identity has been verified. This is my only income, I'm looking at eviction, my bills are very late I also ca n't drive my truck as my insurance policy was cancelled due to nonpayment. I've done everything reliacard has asked me to do and when I call they are not helpful at all. Then I was told that there is no guarantee that the block will be removed from my card if and when my identity is verified. Please help!
Consumer complaint received 2022-06-23
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX, Transunion, and XXXX has been violating my rights : 15 USC 1681 sec 602b I have a right to my privacy 15 USC 1681 sec 604a communication. reporting agency can not furnish my information without my written consent XXXX XXXX  XX/XX/XXXX I don't know of this account that is paid - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I don't know of this account that is paid - XXXX
Consumer complaint received 2022-06-23
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. (IL)

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave XXXX any written consent to report anything on my consumer report, No consent is Identity Theft.
Consumer complaint received 2022-06-23
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. (TN)

I applied for Car and they said was going to just pull for XXXX. But on my Credit Report, I had XXXX hard inquiries on my report.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX I received a text from Citibank asking if I was making a purchase from EXXON. I logged onto the mobile app and noticed an alert and I called and said no. I then noticed additional charges for 3 other purchases that were not mine and I advised Citibank. A hold was placed on my debit card and a replacement was sent and received XX/XX/XXXX. On XX/XX/XXXX I received a call from a person stating his name was XXXX and was calling from Citibank. The number was the same as the Citibank XXXX. He asked is I was making a purchase from an XXXX XXXX in California for {$6500.00} I advised no. XXXX sent several one time codes to confirm actions and reset my account and the wire transfer feature. He placed the name XXXX XXXX and when I asked him about the name he said it was fictional just to reset my information. Later that day I logged into my Citibank mobile app and noticed that there was a wire transfer for {$6500.00}. I called and was told fraud was closed. I called XX/XX/XXXX and spoke with XXXX for unauthorized wire transfer and then spoke with an XXXX and received a report number XXXX. I was again issued a new debit card. I noticed the name on the payee of the wire transfer as XXXX XXXX. I filed a police report XXXX and FBI report XXXX. On XX/XX/XXXX. XXXX I received a claim notification and affidavit of unauthorized wire transfer dated XX/XX/XXXX from Citibank on XX/XX/XXXX I completed and notarized and returned XX/XX/XXXX within the 10 day period required and verified it was delivered XX/XX/XXXX. On XX/XX/XXXX I received a response dated XX/XX/XXXX from Citibank that my fraud claim has been denied stating I did not take adequate steps to safeguard my account which compromised the security of my account information. I have been a customer since XXXX when my account was with California XXXX XXXX XXXX and Citibank took over. I have never done a wire transfer or used my Line of Credit which was used for the wire transfer. I have an outstanding history on my checking account and would never wipe out all of my funds including my social security check. I was left with no rent money, utility funds or grocery money, I live in Arizona where there is no Citibank branches. It is 100 plus degrees and I cant use my air conditioning as I can't afford the bill.
Consumer complaint received 2022-06-23
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. (FL)

in accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Maury Cobb, Attorney at Law, LLC (CO)

Repetitious phone calls from a supposed law office the Law Offices of Maury Cobb 's calls are received from a XXXX XXXX at XXXX XXXX with intent to annoy me, she spoke in a abusive demanding tone when speaking with me, and when I requested no further contact, after our conversation I was left feeling threatened XXXX XXXX XXXX, she would not provide a first name or an employee identification number for reference.
Consumer complaint received 2022-06-23
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: JPMORGAN CHASE & CO. (CA)

I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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 — Personal information incorrect
Company: EQUIFAX, INC. (FL)

After reviewing a copy of my credit report i noticed fraudulent inquiries on my credit file and also an address i have never lived at or been associated with is listed on there. Please remove this fraudulent information from my file.
Consumer complaint received 2022-06-23
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)

I have a XXXX XXXX overdraft line. Recently I received a report from the credit bureaus that XXXX XXXX reported me late to the credit bureaus. When I login to the XXXX Bank online banking platform, the bank is clearly communicating there is NO balance due ( See attached screenshot ). It was only because of my son, however, that we were able to figure out that if I click " Pay Now '' ( again, the balance and everything on that page gave no indication a balance was due ) I could then see that there was an absolutely minuscule {$6.00} balance of interest that had to be paid. No mail was sent to me alerting me of this past due balance, either by paper mail, email or phone call. The only attempt that I saw come through was lodged in my spam folder from a XXXX XXXX on the XXXX day of being late. Here is the message : " XXXX XXXX, I hoping to speak with you. Could you please call me back at XXXX or at the XXXX XXXX XXXX? Thank you. '' This message does not convey any urgency, nor does it say I should contact XXXX XXXX to avoid any negative credit reporting. It could be a marketing request for all I know.
Consumer complaint received 2022-06-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Dear Sirs, My issue is with Freedom Mortgage. I have an escrow account with this mortgage servicer. This is the second year that I have had my mortgage with this company. My insurance carrier is XXXX. XXXX provides my hazard insurance policy and my earthquake insurance policy alike. 
In XXXX Freedom Mortgage paid both of these policies together. This year, XXXX Freedom Mortgage paid hazard insurance in a timely fashion. These funds were extracted from my escrow account. I later received the bill from XXXX inquiring payment for the earthquake insurance. 
Upon due diligence on my part I came to find out that Freedom Mortgage had not paid the earthquake insurance. Freedom mortgage stated that they will not be paying the earthquake insurance due to the fact that it is a not needed insurance to satisfy my loan requirements. My earthquake insurance policy is {$210.00} per year. Upon payment of my hazard insurance there was a balance of {$350.00} in my escrow account. All other funding has been satisfied for the fiscal year of XXXX. Through telephone calls I requested that Freedom Mortgage send me a check for the balance of the earthquake insurance, {$210.00}. This request was made on XX/XX/XXXX. On XX/XX/XXXX. I called Freedom Mortgage to inquire the status of my request. I was informed that a check for less than {$98.00} was mailed out to me on Friday, XX/XX/XXXX. 
Here is my complaint : Throughout the past year Freedom Mortgage collected funds from my monthly payments to supplement the two insurance policies. There was enough money in my escrow account for a total refund to cover my earthquake insurance policy. Total amount per year that my escrow account needs to cover his less than {$1.00}, XXXX. With a refund of less than {$98.00}. The buffer in my escrow account is a little over {$200.00}. For a escrow account to pay out {$1100.00} per year I do not believe a 20 % buffer is necessary. A 10 % buffer would be adequate. If they had refunded me to {$210.00} freedom mortgage would have a 10 % buffer in my account. I do want to reiterate that this was money collected throughout the year to fund these policies. And there was two adjustments done to my escrow account to satisfy the policies throughout the XXXX fiscal year. In today 's time finding {$110.00} extra dollars ( {$210.00} - {$98.00} = {$110.00} ) is not the easiest task to overcome. 
In speaking with Freedom Mortgage I never had a chance to speak with anyone from the escrow department. All I could speak to was PSR 's who was able to read a computer screen detailing my account history. 
Can the CFPB retrieve the balance of my funds? My Freedom Mortgage account number is XXXX. 
Thank you in advance for your time in this matter. 
Sincerely, XXXX XXXX