davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am writing to demand removal of late payments from my account in accordance with us law. The FCRA reserves my right to privacy and in 15 usc 1681 section A2ai specifically states transactions and experiences are to be excluded from the report. I ask the all applicable laws be followed to preserve my right to privacy and credit worthiness. Thank you for your time and attention i hope you are well.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to demand removal of late payments from my account in accordance with us law. The FCRA reserves my right to privacy and in 15 usc 1681 section A2ai specifically states transactions and experiences are to be excluded from the report. I ask the all applicable laws be followed to preserve my right to privacy and credit worthiness. Thank you for your time and attention i hope you are well.
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PROVIDENT FUNDING ASSOCIATES (WA)

This is regarding the property located at XXXX XXXX XXXX XXXX XXXX WA, XXXX. {$80000.00} in insurance proceeds being held by XXXX XXXX and now Provident should have been dispersed to me when requested in the middle of XXXX. I have been waiting two months to receive the funds for a process that should have been completed within a week. For some context/background : This loan was previously with XXXX, XXXX and was transferred to Provident, XXXX XXXX. I had a burst pipe in XXXX at the house which required extensive repairs and mitigation. My insurance company ( XXXX ) wrote a check to myself and XXXX XXXX back in XXXX. XXXX then dispersed $ XXXX to me to begin the project. The project was completed in early XXXX and I paid for all remaining repairs out of pocket. I ordered an inspection through XXXX XXXX at the beginning of XXXX. It took over two weeks to even get a response from an inspector who wasnt going to be in my area until the middle of XXXX. The inspector completed the inspection on XX/XX/XXXX evidencing the project was 100 % complete and sent that report to lower. I followed up with lower a few days later to inquire about my funds and was informed, they couldnt find the inspection. After speaking with a supervisor, they managed to find the inspection and were going to overnight me my funds. Nothing arrived so after a few days I called back to then be informed they also needed an updated adjusters report as well as XXXX waivers ( without my prompting I can only assume they would have done nothing ). Both were sent to lower the same day. Adjuster sent them an email directly on the same day as well. On XX/XX/XXXX, they had everything they needed to send me my funds. 13 days later my loan was sold to Provident, still no funds sent to me. 

I now call provident and am informed that they do have my funds, but none of the accompanying documentation. I was told I should just continue to wait and eventually XXXX will send over the documents and Provident will process my payment. Obviously, that hasnt happened, and Provident has not received the documents from lower. I have called XXXX XXXX many times with no success of gathering the information required to have my funds disbursed to me. They no longer take phone calls. 
This has caused financial duress as they have held {$80000.00} in funds for over two months now in a process that should take less than a week.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TN)

XX/XX/XXXX, I signed up for a Chase business account in person with a bank representative, XXXX XXXX  This included a checking account, savings account, and chase Ink preferred credit card to help with purchases. I engaged in multiple conversations to affirm the requirements needed to qualify to the bonus and knew it to be XXXX XXXX  spend in the first 3 months as is listed on their website. 

There are multiple cards available which all offer sign on bonus, contingent on spend amounts. The Ink preferred seemed the best fit and within my reach of predicted spend so I decided on this. 

After completing the spend over the XXXX within 3 months ( XXXX XXXX XXXX XXXX I anticipated receiving my bonus points in the following statement period. I understood it usually takes an extra month to receive this so I didn't think anything of it that it hadn't appeared in XXXX, but became concerned in XXXX when I still had not received my XXXX bonus points from reaching my spend. 

I have since had 3 separate calls and meetings with XXXX to investigate including opening a case with Chase credit cards. They claimed to have sent a letter in the mail with a decision. I had not received a letter for 2 weeks and followed up with XXXX to better understand what the outcome would be. He refused to engage with me in any meaningful conversation to explain, rather deferred to calling Chase customer service and waiting on the phone with me during business hours for extended periods of time ( 30+ plus ). Once we got a hold of a customer service rep, she vaguely claimed denial with no further explanation referring to timing of the bonus spend not applying during the time I signed up. I asked for writing/further proof and explanation of this and was met with silence and we can't help you any more. I'm at a loss of explanation because I've always had such a good experience with Chase across the 6 years of business I have done with personal banking/credit cards. 
This was the first time where they didn't honor or provide exceptional customer service. I feel completely gaslit and have yet to be shown proof or fair explanation for what I was told originally when signing up for credit card and what I have not received so far.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc (NY)

Open the account up in XXXX set up direct deposit with my social security check setup that my cell phone bill automatically be paid each month on the XXXX of each month out of this account XX/XX/XXXX came took {$48.00} out of the account button didn't pay the cell phone bill had to pay the bill with another account have proof of paying the bill XX/XX/XXXX same thing happened got a copy where I had to use another account to pay bill filed the dispute they closed the dispute said they came to a resolution didn't put the money back from XXXX then put the money back from XXXX and close the account and now my money is just missing and the bill didn't get paid by them and they won't reimburse me my money I want something done about this this is probably terribly wrong and misleading as well as they said if you make if you put direct deposit in you could get over a {$200.00} overdraft fee come to realize that you got to have over {$200.00} deposit I had {$180.00} I didn't qualify doesn't matter I want my {$48.00} from XXXX and XXXX they took my money they didn't pay the bill I could prove they didn't pay the bill and the lady told me they couldn't tell me why they didn't pay the bill why they won't give me my money back and why they close the account
Consumer complaint received 2023-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am Bank Of America account holder and I had a check for {$6000.00} from XXXX XXXX that I needed to cash. The check was also drawn from Bank Of America. I provided the teller with with my passport, my social security card and my drivers license. She pulled my account up and said that in order to cash the check she would need to see my physical debit card or a debit card from any other financial institution, which I could not provide her with because as she could clearly see on her screen, my debit card was still on its way to me in the mail. 
I had no other choice then to go to a XXXX XXXX location and spend {$350.00} for their check cashing services. 
I spoke to several specialists at their customer service center who all told me that I had every right to have my check cashed and that this should never have happened. 
The customer service center suggested that I go directly into the branch where this took place and request to be reimbursed for the check cashing fee from the branch manager. The next day I went back into the branch and sat down with the branch manager. Before I told him why I was there, I asked him a few questions about their check cashing policies for account holders cashing checks drawn by the same bank. 
The branch manager said, " Yes, we absolutely cash checks. We would even cash a check up to {$50000.00} we would just request you call ahead so we can let you know if we have that much cash available " After I told him why I was there, showed him my reciept from XXXX XXXX and explained to him what had happened, he all of the sudden claimed he had no authority to do anything for me whatsoever. He did tell me though that if the system had automatically asked the teller to provide her with anymore ID verification ( like she claimed it had and the only option was a debit card in the mail ), there are actually several options the system allows a teller to choose from, which this teller did not do. 
I feel like I was discriminated against for being a private contractor and for my profession. 
This bank is guilty of Wrongful Dishoner ( defined in 4-105 ( b ), negligence and misconduct. I was embarrassed and left the branch location in tears by the way I was treated. I would like the {$350.00} I spent having to go somewhere else to cash a check because this bank failed to provide me with proper service. These people at the physical branch will take absolutely no responsibility for anything and have continued to make this entire situation as painful as they possibly can for me.
Consumer complaint received 2023-10-16
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. (MI)

in accordance with the Fair Credit Reporting act XXXX XXXX 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 extra credit union
Consumer complaint received 2018-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX, I applied for a used automobile loan with my bank, the XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX, New York. During this process, the bank noted my credit rating had dropped from the 800s to the 700s due to one past due account. I immediately contacted all 3 credit  bureaus. On the first site, I quickly located the problem, which was a credit card listed as XXXX ( translated as XXXX XXXX, XXXX XXXX XXXX ). Since I did not open this account, I filed disputes with the 3 bureaus. XXXX 's on-line process was completed in minutes, as well as XXXX. However, Equifax proved to be impossible. After two attempts at filing an on-line dispute, I was unable to tell if my request had been processed. The other bureaus gave me a file or confirmation #. This one did not. On XX/XX/XXXX, attempts to reach Equifax by phone ( XXXX ) were met with continuous instructions to use the website, with no option to reach a person. After a while, I finally located a different number ( XXXX ), and reached a person. This representative was difficult ( and at times impossible ) to understand, asked most questions twice after they had been answered and was generally robotic and unhelpful. I had to twice ask her to spell words that she could not pronounce. After 10 minutes of answering security questions over and over again, she advised me my answers were wrong ( they weren't ) and I will need to fax my license, a copy of my SS card and a letter to them. 

My credit rating has remained above 800 for decades. This fraudulent credit card was opened in my name and I want it corrected. Two of the three companies were able to do their jobs. I am filing this complaint against Equifax because I am very concerned about the level of professionalism and their inability to perform a basic function of their mission. My credit rating still remains very good, and this did not prevent me from getting a loan, but it did raise the interest rate I was offered for the loan. This obviously needs to be rectified and Equifax seems to be unable to help me. Thank you for your anticipated help.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

My student loans should be marked as paid in full or paid as agreed. They are not. This is very frustrating because when they close my loans, they were supposed to have the correct remarks on the account and it incorrectly affected my credit because although the loans were on the account, the loans were not supposed to be in a negative state as they never were and they were always paid.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (ME)

On or around XX/XX/, there was a fraudulent transaction on a checking account owned by XXXX XXXX As a result of the fraud BMO Harris Bank closed the checking account and the related savings account and blocked all access to the accounts and the account information. 
I, XXXX XXXX in this time period had telephone conversations with BMO Harris Bank requesting that the funds be released. At some point, BMO Harris became unresponsive to XXXX telephone calls or promising to research the matter and not following up. 
I estimate that the funds in question, between the checking and savings accounts, may be in excess of {$3000.00}. 
In late XXXX XXXX  XXXX asked his father, XXXX XXXX to help resolve the matter. XXXX authorized his father to act on his behalf in a letter dated XXXX XXXX XXXX 
In XXXX XXXX XXXX XXXX attempted several telephone calls to BMO Harris Bank spending several hours on hold trying to get additional information on the status of the accounts. 
The closing of the accounts, the loss of funds, and the unresponsiveness of BMO Harris Bank resulted in XXXX being evicted from his apartment and becoming homeless. In XX/XX/ XXXXXXXX XXXX XXXX  in XXXX for 4 days. This series of events forced XXXX to return to his family home in XXXX XXXX XXXX XXXX XXXX 
Having been frustrated with trying to communicate with BMO Harris Bank, XXXX XXXX with formal written authorization from XXXX XXXX sent letters to BMO Harris Bank on the following dates : XX/XX/ by USPS Certified Mail XX/XX/ by USPS Certified Mail XX/XX/ by XXXX Copies of all correspondence are attached as a PDF file. 
The formal correspondence asked for specific information on the fraud and an accounting of the money involved. To date, BMO Harris has been silent. Please note that all correspondence includes full and complete contact information.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (TX)

The information reported is inaccurate. It is hurting my credit and in turn, hurting my lifestyle. Please get the following hard inquires removed. 

XXXX XXXX inquiry date : XXXX phone : XXXX XXXX XXXX inquiry date : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date Phone : XXXX
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXXXXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXX I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2023-02-26
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: Affirm Holdings, Inc (NY)

My identity was stolen and two consumer loan accounts were made in my name. The lender 's name is Affirm. The first account was opened on XX/XX/XXXX for {$130.00} and the second on XX/XX/XXXX for {$310.00}. When I saw these fraudulent accounts on my credit report, I contacted Affirm, submitted a dispute with the credit bureau, and filed and submitted a police report. Not only did Affirm demand that I pay off the fraudulent accounts, they also refused to remove the fraudulent accounts from my credit report. When I contacted Affirm, they said I needed to pay off the accounts because they were in my name. I did so because I didn't want any more negative impact on my credit report ( there are months of late payments on the two accounts because I was unaware of the accounts/ I didn't open them ). I've since paid them off and they both have {$0.00} balances. Can you please remove these two fraudulent Affirm accounts from my credit report. It's frustrating to have my financial life impacted by something I didn't do. And I've gone above and beyond to fix the issue. I contacted the creditor ( Affirm ), submitted a dispute with my credit bureau, filed and submitted a police report ( attached ), and even paid off the accounts even though I didn't open them.
Consumer complaint received 2023-04-27
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

There is a hard inquiry on my report from Capital One where it looks like someone attempted to obtain a credit card in my name. This action dropped my credit score XXXX points, I did not authorize this inquiry because I do not wish to ever obtain a credit card.