davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
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: JPMORGAN CHASE & CO. (TX)

I started looking to purchase a vehicle back in XX/XX/2024, while I was browsing the inventory, the dealership ( XXXX ) asked me to provide my information, such as social security and address, I intended to purchase a vehicle, and that's why I provided it. They assured me that my credit would not be pulled before we found a suitable vehicle. 
We found a vehicle on XX/XX/2024 and I wanted to go with XXXX XXXX that's why I asked to go only with the XXXX XXXX XXXX, that's the only inquiry that is valid on my report. The vehicle was defective and we ended up returning it the next day. 
Two weeks later I saw XXXX hard inquiries on my account for an auto loan, which I did not allow them to do. 

Hard inquiries : XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024
Consumer complaint received 2024-02-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (NC)

I made a mortgage payment on XX/XX/year>. It was applied on XX/XX/XXXX. Now Rocket Mortgage is saying that the payment was not made. This company told so many lies to get my business and has done everything after getting it to destroy my credit and I think they would like for me to foreclose on this home. They are disgusting and it never fails every few months they gone with something different. I have never done business with any company more wicked than them.
Consumer complaint received 2023-08-09
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. (MD)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2023-10-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC (CA)

XXXX XXXX sold my XXXX XXXX on XXXX XXXX. I had until XXXX XXXX to pay XXXX. On XXXX XXXX I called XXXX to pay the fee and get my car back. I was then told that my car had been sold on the XXXX of XXXX. 

Prior to this my XXXX was seized at the border for reason of not my fault. I was not charged with any criminal charges. Now I was in contact with XXXX in the whole process of receiving my car back. XXXX paid the XXXX to retrieve my car from XXXX XXXX in XXXX XXXX CA. The car was not reposted for none payment, XXXX I never missed a payment. I received the letter from XXXX about the fees and I request the XXXX extra days to retrieve my car. That made it that the car could not be sold before XX/XX/XXXX. XXXX is still trying to charge me for the loan. I lost my car, all the money I paid towards it, as well as upgrades I had done to the vehicle. This was unlawful and unfair. Please help me
Consumer complaint received 2024-03-24
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)

I checked my credit report and I can still see the fraudulent account that I was requesting to get deleted and blocked. This account is damaging my credit and it's affecting my credit worthiness.
Consumer complaint received 2024-02-21
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: CITIBANK, N.A. (CA)

First, I have previously reported a portion of this issue to CFPB. This is a follow up from what happened since then.Refer to complaint # XXXX. 
As you will see from a review of the record mentioned above, I erroneously sent XXXX to Citibank in early XX/XX/2023. Upon recognizing my mistake I called Citibank for a refund of the XXXX balance on my account- XXXX. They informed me that it would take XXXX weeks. Subsequent to many calls to them and a complaint to you, ( I can provide names and dates of representatives I spoke with throughout this process ) they mailed me a check on XX/XX/XXXX, which I received and deposited into my checking account on the same day - XX/XX/2023. Contrary to my request, they mailed the check instead of direct deposit to my checking account, which they said they could not do. 
Subsequently Citibank, for an unexplained reason, on XX/XX/2023 stopped payment on the check they sent me. XXXX representative said it was because I had requested direct deposit. However, they again needed to investigate whether or not I was entitled to the refund. So it would take even longer to get my money back. The investigation wasn't initiated until I called and informed them of the returned check on XX/XX/2023, when I became aware of the problem. Ultimately Citibank did refund my money on XX/XX/XXXX. They did so by depositing the funds directly into my XXXX account, which they repeatedly said they could not do. 
I speculate that XXXX staff person in particular, who got very argumentative and actually hung up on me, retaliated because of my complaint to you. I believe that conversation took place on or about XX/XX/2023. 
I write now to inform you of this debacle. Hopefully the issue will reach some level of Citibank that can ensure this doesn't happen to someone else. I see no reason why the refund of this money took nearly XXXX weeks to occur. When I need to make a payment, I can have funds transferred immediately. Why is it different for Citibank? 
Lastly, I have delayed this complaint until I felt safe that Citibank could take no further action against me, and I do not intend to do business with them again.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I had some charges coming through that I was doing, someone from the company called to verify with me after sending a text to inquire if I was trying to make said transportation. He access my account once I logged in, he then said he would have to limit the account access so that they couldn't do any more transactions. In reality he locked me out of my account transferred the money I had in my savings and sent himself XXXX. I disputed it several times and have yet to receive my money back but I got the charge he done from XXXXXXXX XXXX returned to me but not my XXXX dollars. They keep acting like their trying to dispute it and send stuff to my email but don't.
Consumer complaint received 2024-02-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (MD)

I applied for a loan but did not accept it. I wanted to report this company for the XXXX  that they are charging in interest. I believe that they are a loan shark company. The loan I applied for was for {$750.00}. The amount of repayment was {$100.00} XXXX for XXXX weeks. That would mean that the total repayment would be {$4400.00}. I did call to verify this information that I found unbelievable was true and it was. I don't think legally they can charge that much interest.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: P&B Capital Group, LLC (NC)

I have no knowledge of this account I am not liable for any debt with P & B Capital Group LLC collection system I do not have a contract with this company they did not provide me with the original contract as requested they continue to report negative and inaccurate information on my credit report which violates the FCRA
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2024 at XXXX I called Chase to inquire about applying for a new credit card. Two of my accounts had been closed the previous month without my knowledge by Chase. I called customer service XXXX to find out if applying for another credit card at Chase would be an issue. The rep told me that she did not see any blocks on my profile and that i should apply and that I would be approved. But she said ultimately would depend if your credit score is high enough. My credit score is above XXXX. XXXX confirmed to me that I was not blocked from ever having a Chase credit card and that I could apply as many credit cards as I wanted. But I told her that two of my credit cards had been closed recently. She said you can not have those same credit cards but you can apply to other credit cards we have online and we have many. This rep deceived me and provided misleading information because a week later I got a letter from the fraud department stating that my account was closed at Chase. I had just been approved for a Freedom Flex Chase card with a limit of {$13000.00} approved on XX/XX/2024 at XXXX. But my account was quickly closed. I am upset for being misled and lied to about applying and knowingly they knew that I would be rejected in the end but good for their numbers. Now my credit score is ruined and it went just below XXXX due to this application. I think that if Chase knows that they don't want you apply to any credit card they should state so. Providing misleading information does not help us customers and it ruins our credits. Chase should just state you can no longer apply to any Chase credit card period. Now my chances of applying to other credit cards is limited since my score went down. But nevertheless XXXX XXXX took my application and approved me for a new credit card same day. But the damage by Chase has been done and I wish they would have been truth full and not misleading and using deceptive tactics to entice consumers to apply when they know the application would not get approved in the end.
Consumer complaint received 2024-02-06
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. (MO)

Marking 30 complaints as duplicate does nothing but show this fraudulent crooked company will cheat anybody and try there best not to fix the problem SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2023-04-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX XXXX 2023, I received several e-mails notifying me that I had been enrolled in Online and Mobile Banking with Bank Of America who I have never had an account with. I also received e-mails asking me to verify my email address, that my online application was being processed and was approved. Then I received an e-mail that my e-mail address was updated with them. None of this was done by me so I immediately called the Bank Of America fraud department to report this and at approximately XXXXXXXX XXXX I had spoke to a representative named XXXX to investigate this. Upon reviewing my first and last name and state of residence, I was assured by the representative their was no account open with my name and that they werent sure why I was getting those e-mails. However on XXXX, XXXX 2023, I had received an alert from XXXX credit monitoring about an inquiry from Bank Of America that my SSN had been used to open a bank account with Bank Of America but oddly received an e-mail from Bank Of America again today that my application for an account with them had been denied based on information they received from XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Subject : Urgent Complaint : Violation of Credit Reporting and VIP Journey Membership Terms I am writing to express my deep dissatisfaction and frustration regarding the ongoing issues I have encountered with XXXX XXXX XXXX XXXX specifically as a VIP Journey member paying {$99.00} per month. 

Despite being promised expedited credit reporting to TransUnion, XXXX, and XXXX, it has been nearly 90 days, and my tradeline is still not reporting to XXXX and XXXX. I have reached out to your company via email on multiple occasions, but the matter remains unresolved. 

Furthermore, the tradeline reported to TransUnion does not accurately reflect the promised {$30000.00} credit limit for VIP Journey members, as stated on XXXX 's website. I deliberately increased my bills to {$30000.00} in anticipation of this reporting. However, the credit limit reported to TransUnion is " No Info, '' which contradicts the commitment made as part of my VIP Journey membership. 

This discrepancy not only misrepresents my creditworthiness but also violates my consumer rights and the Fair Credit Reporting Act ( FCRA ). I have brought this matter to your attention via email, yet the issue persists, and my attempts to resolve it have been unsuccessful. 

To exacerbate the situation, I recently filed a dispute with TransUnion regarding the inaccurate credit limit information. Shockingly, TransUnion informed me that XXXX XXXX confirmed the accuracy of the information, which is patently false and adds another layer of concern regarding compliance with the FCRA. 

This situation is not only frustrating but also damaging to my credit profile, and I believe it is imperative that XXXX XXXX addresses these issues promptly. I am left with no choice but to consider this a serious violation of my rights as a consumer. 

I request immediate action to rectify the following : Prompt reporting of my tradeline to XXXX and XXXX, as promised. 

Accurate reporting of the {$30000.00} credit limit to TransUnion. 

Resolution of the dispute with TransUnion to reflect the accurate information. 

I trust that XXXX XXXX takes this matter seriously and swiftly rectifies these issues to uphold the standards promised to its valued customers. Failure to do so XXXX compel me to explore further avenues to address these violations.
Consumer complaint received 2023-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Holloway Credit Solutions (AL)

I visited the emergency room at XXXXXXXX XXXX XXXX  XXXX on XX/XX/XXXX. My primary insurance was billed. They paid and left a {$170.00} patient responsibility. My secondary insurance was billed for this amount. They initially paid but later revoked payment due to the hospital not submitting the EOB from primary insurance. I spent the next 1.5 years trying to get this issue resolved. Despite countless attempts by both myself and XXXX to resolve the problem, the hospital never submitted the needed document. They instead sent me to collections. I submitted the needed document to XXXX several times, however there were issues with processing it as it should have come from the hospital rather than me. XXXX finally processed and approved the claim on XX/XX/XXXX. They stated payment of {$170.00} would be sent to the provider within 7-10 business days. However, the hospital continues to claim they have not received payment. They refuse to investigate the problem with receiving the payment from XXXX. They continue to pursue payment through a collections agency even though I have provided a copy of the EOB stating patient responsibility is {$0.00}.
Consumer complaint received 2024-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (AZ)

My mortgage through Specialized Loan Servicing has a PMI requirement until you hit 20 % equity in the property. This is normal for a mortgage company to require PMI up until XXXX  %. However, once that happened, I tried to get the PMI removed. I had a number of difficulties in this process and was ultimately told that it couldn't happen unless I was willing to pay a fee. This did not strike me as fair. 
In XXXX of XXXX  when I had surpassed 20 % equity, I called the company to learn the process and was told by a representative that he could take care of it. I had previously received mail letting me know that I would need to submit a written request so I asked the rep about it and he said it was no problem and he could take care of it. However, by XXXX I was still being charged PMI. So, I called again to figure out if just writing a note and mailing it to the company ( which were their only instructions - I couldn't call or email, which is very frustrating ) would be sufficient as a " written request ''. I was then informed that I had to print off a specific form, sign it, and mail it in and then I would have to pay a variable fee ( depending on what Specialized Loan Servicing found for a professional in the area ) to have the property value assessed and they would consider removing the PMI. This struck me as a burdensome and unnecessary evaluation, since I have property value assessment information for free from the city. I then asked if I could just pay additional principal to get to the 78 % of " Original Value '' and was told that Specialized Loan Servicing will ONLY use the original amortization schedule in calculating that value. WHY? It seems to me that Specialized Loan Servicing is unnecessarily making the process difficult so they can make more money even though the true equity that I have in the property was way above 20 % more than a year ago! This is not a fair situation. Do I have any other recourse?
Consumer complaint received 2024-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO. ()

On XX/XX/XXXX l tried to send my brother XXXX and my bank ( chase ) put my account on hold to verify the transaction, they asked where l got the money from and they needed proof, l have them all the proof they needed and they saw everything they needed b it til now my account is still on hold if l call them its doesnt help or mess them they dont reply
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TD BANK US HOLDING COMPANY (CA)

General Information Incident Type Identity Theft Tracking Number XXXX Report Date XX/XX/XXXX XXXX XXXX SSN XXXX Reporting Person Information Name XXXX XXXX , XXXX Home Address XXXX XXXX XXXX, XXXX , CA XXXX, US XXXX Email XXXX Work Phone XXXX Race XXXX Gender XXXX Date of Birth XX/XX/XXXX Driver License No XXXX Licensing State CA Incident Information Incident Location XXXX XXXX XXXX , XXXX, CA XXXX Enter the date/time your stolen identity was first used. XX/XX/XXXX XXXX XXXX Enter the date/time your stolen identity was last used. XX/XX/XXXX XXXX XXXX Date Discovered XX/XX/XXXX Location Type Residence - Single Family Amount Lost? XXXX Type of identity Theft Credit/ Debit card or Number Incident Description I have received a credit card from XXXX XXXX and it was in the mailbox that someone opened and stole the credit card along with my SSN information. I was notified by bank of this incident.
Consumer complaint received 2023-11-16
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: JPMORGAN CHASE & CO. (CA)

I Just got got fraud alert on my XXXX account and on XX/XX/, I received a message saying my information was exposed to the XXXXXXXX XXXX and I had a alert for a inquiry to chase bank
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (CA)

Hello, This company XXXX XXXX XXXX are continuing to attempt to collect a debt that I am not liable for. I have attempted to rectify this problem thru the bureaus but they are still reporting and continuing to report negatively toward my credit. have attached a letter from the XXXX XXXX of the apartments that show that I left out of my lease with no balance attached to me. I lived in the apartments from XXXX. I paid rent on time and never missed a payment. 

When I moved out I left without owing any debt and no responsibility was due to me with the apartments yet the collection INNOVATIVE RECOVERY is reporting to my credit that I owe a balance of {$2500.00}. 

I a not liable for this debt as I have expressed several times so therefore I do need to make a formal complaint.