davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

I submitted an application for a Discover credit card through their website on XX/XX/XXXX. As part of the process, they noted that they need additional information to approve the card and to confirm my identity, all of which is understandable. 

However, the information they wanted was a hard copy of my Social Security card, which was issued to me ( I believe ) in XXXX or so. There's no way that this helps them in their process, and I can't understand how many applicants would actually have a decades-old card that proves nothing. 

To add to the problem, they requested this information after they ran the credit check on my account - and will now send me a letter saying my application was rejected. 

( And I've been a customer of their banking side for a number of years. ) I've applied for a lot of credit ( including mortgages ) over my career, and I've never been asked for this information previously. 

Discover listened to my concerns and complaint but could/would not offer any resolution.
Consumer complaint received 2024-08-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mr. Cooper Group Inc. (PA)

I applied for a home equity loan from Nationstar Mortgage in XX/XX/year>. The process was protracted and there were multiple increases in the quoted rate. I ultimately chose not to move forward with the loan application. The issue is that in XX/XX/year>, before I had agreed to the loan or signed anything other than my disclosure acknowledgments, Nationstar contacted my home insurer, XXXX, represented itself as the holder of a second, perfected mortgage note on my home, and inserted itself as the second mortgagee on my home insurance policy without my knowledge or permission. It did not call XXXX back in XXXX, after we ended the loan application process, to remove itself. It appears that Nationstar was trying to entitle itself to an insurance payout it did not deserve in the event of a catastrophic event.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I received my latest credit card bill from XXXX ( an aviator XXXX XXXX XXXX  XXXX ) I was notified of an increase in my APR to XXXX. I have had this card since 2015. I pay the balance in full each month. I called XXXX and was told to contact Transunion.I attempted to get a credit report online from Transunion but was unsuccessful because I was timed out? My credit score is XXXX .Perhaps XXXX wants to drop my account since I pay each month in full. They charge XXXX $ a year for the use of the card. Such usury should be illegal if it isnt already. I suspect millions of consumers received a similar rate increase, many of whom are in precarious financial positions.Thanks for any help you may be able to provide.
Consumer complaint received 2024-08-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA (DC)

Mohela has charged interest to my account in XXXX and XX/XX/year>, which is inconsistent with the terms and notifications of XXXX interest forbearance placed on the account. I request that the account immediately be reduced by the amount of interest that was unlawfully collected.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am submitting this complaint on the advice of my local Congressman 's office ( XXXX XXXX XXXX ) where I requested that he take action to initiate a House Committee on XXXX XXXX XXXX XXXX inequity and discrimination in the policies, procedures and customer service training at Capital One Bank XXXX I am not requesting action on my personal account which I finally succeeded in closing in XXXX. 

Here is the cover email that I sent to Congressman XXXX 's staff : XXXX XXXX XXXX you so much for taking the time to talk with me at the XXXX XXXX XXXX XXXX week. 

This is just to confirm that my concern with Capital One Bank is a systemic concern about their inequitable customer services policies and procedures, that clearly discriminate against any customer who is not white, rich, aggressive and articulate in XXXX ( unlike me ). 

As my lengthy interactions showed, their staff are clearly programmed to deny all Capital One responsibility for errors and to tell customers to contact a credit bureau directly. They steadfastly refused my requests to put in writing that they had corrected their error and that they had closed my account. Ironically, the only information that they put in writing was that they had lowered my credit limit. The two letters to CEO Fairbanks that I left with you contain the detailed interactions that led me to this conclusion. 

Lower credit limits and the resultant higher interest rates and damaged credit rating had no effect on me personally, but are a form of " red-lining '' for most of Capital One 's less advantaged clients- and most of your constituents. 

I am asking that Congressman XXXX raise this systemic behavior with the House XXXX on XXXX XXXX and initiate an investigation into Capital One Bank 's customer service policies, procedures and training. 

I will follow up on your advice to also contact XXXX.
Consumer complaint received 2024-06-13
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. (PA)

My recent credit report is showing unverified, and unauthorized inquiries as well as collections that I never had a chance to dispute. The inquiry is from XXXX XXXX, the collections are from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. By law I am owed proper credit reporting according to the FCRA. I am requesting debt validation for the collections because I never received written communication. In this debt validation I am asking for detailed list of my history of payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of title to collect on this debt, also asking to see if there had been insurance claims filed on these accounts. With out providing proof these accounts should be removed from XXXX, Equifax, and XXXX immediately.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (TN)

I started receiving emails from Chime at XXXX ( central ) on XX/XX/2024 for an account that I did not open. I reset the password on the account and logged in to see that they allowed a fraudulent account to be opened in my name for a previous address. When I tried to close the account, they requested my SSN even after I told them it was identity theft/fraud. I told them I am not giving them any information and she said I would need to call and provide this information. They will not close the fraudulent account unless I call and give them my SSN.
Consumer complaint received 2024-08-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I called XX/XX/XXXX to inquire why there was a balance of {$11.00} when I was issued a credit for a late fee? I got XXXX who immediately start asking me what the credit was for and insisted she couldn't help me unless I answer her questions. I had ALREADY told her it was for a XX/XX/XXXX late fee and repeated the confirmation number, asking if she had it on record. She said she was a Synchrony customer service representative and didn't care about the confirmation number. I invite the company executives of Synchrony to listen to the recorded conversation.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/year> I deposited a XXXX  Refund Check issued by XXXX XXXX XXXX for XXXX dollars as a refund payment for my XXXX XXXX. I made the deposit using USAA 's mobile app on my iphone. I waited the 3 days as required and destroyed the original check. I was notified by USAA on the XXXX of XXXX that the image of the check was unreadable, so they had to return the check, and debit the {$1200.00} from my account. USAA informed me that they could reissue a substitute check and I could deposit that, which I did by sending it back overnight via UPS but this time i deposited into my checking account ending in XXXX on XX/XX/XXXX, they turned around and returned that check as well, initially telling me that it wasn't endorsed when in fact I knew I endorsed it. A different representative I spoke with when the issue was escalated, told me that it was the same problem and shouldn't have been issued to begin with, it had nothing to do with endorsements. They told me my only recourse is to have XXXX XXXX reissue the check and after multiple conversations with XXXX XXXX, they have told me they can't reissue a check that still shows cash, when I escalated the event to senior person in XXXX, they told me that USAA has the {$1200.00} she can track the payment via the account numbers on the back of the check. USAA has still refused to pay me the {$1200.00} dollars and says the check was returned, XXXX financial system as of today still shows the check as cashed XX/XX/year> -
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

In XX/XX/XXXX, I received a letter from XXXX  XXXX XXXX and noticed charges for transactions that I did not authorize. I did not have my card in my possession and did not permit anyone else to use it. The last time I had my card was in XX/XX/XXXX, and I suspect it was stolen in XX/XX/XXXX. My card was used for multiple fraudulent charges since XX/XX/XXXX, totaling {$430.00}. After my account was closed, I was not provided with bank statements, leaving me unable to properly address the issue. Despite filing disputes with XXXX  XXXX XXXX, Experian, XXXX, and XXXX several times, none of them resolved the issue or corrected my credit report. I am a victim of both fraud and identity theft, as well as the negligent handling of my case by XXXX  XXXX XXXX, Experian, XXXX, and XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NV)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Transunion will not fix online access since XXXX or so. Can not even do annual credit report for them. Reset online acct and reported to IT to fix access XXXX XX/XX/XXXX @ about XXXX EST per transunion rep. Can't do anything except log in online. Transunion will not fix it. Have mailed for credit report a few times with ID and nothing. Told I should have got one already as requested on phone XXXX. I only get error messages. Able to log in as they even tried delete and re set up acct.
Consumer complaint received 2024-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Concord Servicing Corporation (FL)

I have a solar loan that was originally through XXXX, formerly known as XXXX. I am in the process of selling my house and the loan contains a clause that permits the assumption of the Loan by a qualified third party, subject to the conditions set forth within the agreement. An agreement conducted and executed in accordance with the TILA. I was sent an Assumption form from XXXX on XX/XX/XXXX. The form was completed by my XXXX  and returned on XX/XX/XXXX. We never heard anything back from XXXX about the account. The XXXX XXXX attempted to get access to the account and was unable to get into the account on XX/XX/XXXX. I reached out to XXXX to attempt to identify and resolve the issue to discover that on XX/XX/XXXX my loan was transferred to a different company, the day before my assumption information was sent to me. I reached out to the new company handling my account, Concord Servicing. Concord Servicing handles the account for a company called XXXX, but there is no way to call the XXXX company according to the Concord Servicing call center. After asking Concord Servicing to send an Assumptions packet so we can start the process for the second time, now with the correct company, I was informed that " XXXX has decided to not allow any Solar loan to be assumable. '' In my opinion, this refusal to permit the loan assumption constitutes a breach of contract. There has been multiple attempts to contact and resolve this issue both by phone calls and emails from myself and my real estate team handling the sale of my home. Every time we call we are told to send an email and that they will reply within 7-10 business days. They will not attempt to escalate anything and they will not open the email box and look at any communications that are sent to them. I was told the wrong email address twice during this process. Started Calls to this company on XX/XX/XXXX and emails started on the XXXX.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights.

15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

I am writing to formally dispute the newly reported XXXX charge-off status of {$1400.00} on my credit report by American Express . I request an immediate re-investigation based on several critical points. First, American Express has failed to provide the original signed contractual agreement that would validate the debt and confirm that the account belongs to me. The generic Card Member Agreement ( CMA ) they provided does not pertain specifically to my account, raising legitimate concerns about the authenticity and validity of the debt. Without the original contract, their claims remain unsubstantiated, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S. Code 1692g, which requires proper validation of debt. Furthermore, American Express 's claim that my account does not meet the criteria for issuing a 1099-C form is misleading. The fact that they reported the account as a charge-off suggests they may have claimed a tax deduction under IRC Section 166. If this is the case, continuing to report a balance on my credit report is inaccurate and deceptive, violating both the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 and the FDCPA under 15 U.S. Code 1692e for false representation. The documents provided do not constitute adequate validation of the debt, as they lack the necessary contractual agreement, rendering the continued reporting of this charge-off unlawful. Additionally, I am entitled to statutory damages of {$1000.00} under the FCRA ( 15 U.S. Code 1681n ) for this inaccurate reporting, which American Express has unjustly refused to issue. Given these violations, I request that the CFPB take immediate action to demand that American Express provide the original signed contractual agreement, issue the necessary 1099-C form, and remove this inaccurate charge-off from my credit report. I also request that American Express be fined accordingly, and I be awarded the {$1000.00} in statutory damages. I will also be reporting this issue to the IRS for a thorough investigation into the legitimacy of the tax deductions claimed by American Express while continuing collection efforts. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

TransUnion has not fixed their website to freeze/unfreeze credit in YEARS. Many people also having this problem if you XXXX it. Reps have either refused to acknowledge this or have said they are aware and not working on the problem. 

Phone ( automated ) option had worked up until recently. It now does not accept any input of a " future date '' to start/stop a freeze. This is an instant option with the other XXXX. Even when the phone option did work it was not secure because any identity thief would already have the information to thaw a freeze. 

Very suspicious that this has been for years and they are blatantly ignoring it. I feel it's our right to have control over our credit at any point in time. They offer no other options to control freezes
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Halsted Financial Services, LLC. (FL)

VALIDATION AND CEASE AND DESIST Halsted Financial Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Halsted Financial service : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 

XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 

XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 

XXXX. Proof that the original creditor securitized the debt. 

XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-02-13
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 sending this complaint again to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$9200.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$24000.00}.