davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

Credit card is  the Gold c ard fr om Barclay.      i am a military member and the know this. when i signed up  XXXX   XXXX  for the card it was a 0 % apr and the annual fee were waived for the duration that you are  XXXX   XXXX . this has since change and was done so in a way that does not seem sufficient or appropriate. prior to deployment (  XXXX   XXXX   )  the company changed the policy for new members but and informed me ( when i called to notify them that i would be deploying and using the card overseas ) that i was grandfathered in and had nothing to worry about.  Barclay knows that i am  on deployment since  XXXX   XXXX  to present and that everything that i do is done online or via email. yet they decide to change there policy again and are no longer grandfathering the annual fee for members and provided a letter sent to my home address stating that  XXXX   XXXX  my card with be charged the annual fee. since i received this information via my spouse, i immediately logged into the website, while on   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and attempted to verify that this letter was official or a prank. i had no messages on the web site and no email had been sent to the email address on the account. still concerned that t his may  become an issue for me, I called barclay as soon as i could which was in  XXXX   XXXX  over a month later. they informed me that they had changed their policy and that was it, there is no way to get back.     I believe that this company has used military member to get there card seen by the public. once they felt that there cards had received sufficient publicity they decided to changer there policy. this along with the fact that the only message received from the company about a major policy change was letter mailed to my address, seems fishy to me. i would assume that any well established company would at least post a message on your account and send you an email alerting you to the fact that " a major policy change had been placed into affect, please log on and check your messages and my effect your account ''. All they send out is a written letter to the address. i am not the only military member affected by this policy change. most were not even given as long as i was before they were to be charged. i have  XXXX  officers i  deployed with  who were only given less then 2 months by the time they received the notice.  XXXX  of them never saw the letter because he is single and does not have anyone read his mail while he is  deployed. h e was forced to call the company and found out a few days before he was to be charged.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (NJ)

I am writing to inform you of unauthorized inquiries on my credit report that I would like removed. As per the Fair Credit Reporting Act ( FCRA ), unverified and unauthorized items must be removed from the credit report. Therefore, I request that you remove the following items from my credit report : XXXX account that shows closed on XX/XX/XXXX XXXX  XXXX XXXX that shows closed on XX/XX/XXXX Hard inquiry from XXXX XXXX XXXX Inquiry : XX/XX/XXXX Additionally, I noticed that Experian is reporting an incorrect address on my credit report. The address mentioned is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, but that is not my address. 

Furthermore, there are inquiries on my credit report that I did not authorize, such as : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX I request that you investigate these inquiries and remove them from my credit report as they were not authorized by me. 

I appreciate your prompt attention to this matter and look forward to your reply. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

Recently I was looking at my mortgage and trying to work out how I could pay my loan off faster then the remaining 15 years. The amortization calculator was not adding up right and I was thinking it was because Id had different levels of interest rates during the first 6 years of the loan. I contacted Mr Cooper, who is my current loan service provider, to request an amortization schedule. I was devastated to discover that at the end of the mortgage period I will owe {$170000.00} plus {$22000.00}. There is a line in the contract that says If on the Maturity Date Borrower still owes amounts under the Note and Security Instrument, as amended by this Agreement, Borrower will pay these amounts in full on the Maturity Date. I mistakenly assumed that this amount was the deferred principle balance of {$22000.00}. There is another line on a different page the again states The loan is payable in full at maturity. You must repay the entire principle balance of the loan and unpaid interest then due. There is a payment schedule showing different interest rates and the payments amounts for years 1-5, year 6 and lastly years 7-22. There is not a balance due listed at the end. No where else in the contract does it say that that balance is going to be almost $ 200K. The language If on the Maturity Date should have been When on the Maturity Date. I feel like I was deceived or intentionally misled by XXXX. I didnt think I would need to pay an expert to look over a mortgage contract that was through a government assistance program such as HAMP, but obviously I was wrong. If Id been made aware that this was the contract they were asking me to sign I would have either tried to negotiate it or at least have been prepared to try and pay my mortgage down earlier. At this point I will be XXXX years old when my mortgage matures and will have to try to figure out how to pay $ XXXX.
Consumer complaint received 2023-11-18
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: EQUIFAX, INC. (TX)

I REQUESTED VALIDATION FROM EACH BUREAU AS I RECEIVED THAT THIS ACCOUNT WAS VERFIED AS MINES I FILED A COMPLAINT ON XX/XX/23 WITH XXXX CONSUMER FINANCIAL PROTECTION BUREAU AND GOT A RESPONSE THEY VERIFIED ON XX/XX/23. I THEN SENT AND ASKED FOR A METHOD OF VERIFICATION OUT TO EACH BUREAU ON XX/XX/23 WHICH I HAVE NOT GOT A RESPONSE TO MY DISPUTE. PLEASE RE-INVESTIGATE AND SEND METHOD OF VERIFICATION OR DELETE ASAP!!!! 

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy. XXXX 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. 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 2023-03-14
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: Experian Information Solutions Inc. (MS)

Im accordance with the Fair Credit Reporting. The list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States that I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent or instructions. 
15 U.S.C 1681c ( a ) ( 5 ) Section States that 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 or to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-28
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. (NC)

I have ( 3 ) accounts that are inaccurate on my credit report.

( 2 ) accounts from XXXX XXXX XXXX ( loan and credit card ) ( 1 ) account from XXXX XXXX  ( loan ) 15 USC 1681A ( 2 ) - I didn't give written permission to have those accounts furnished on my report
Consumer complaint received 2023-03-14
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (VA)

I'm seeing suspicious accounts on my report that I never consented too, and I believe this cant be legal because I've been denied to get credit and I'm confused if you don't mind taking a look at it thank you. I have both reports from XX/XX/XXXX and also the newest report for XX/XX/XXXX.
Consumer complaint received 2017-05-03
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. (TN)

having problem with credit bureau and their reporting method on credit report on my credit file it state that i have  XXXX  public record that has been reported inaccurate this file is not accurate according to the fair credit these file is missing information on these bankrupt these reporting agency saying this account has been verified but the agency want provide for me their verification method i ask several of times this public record is missing information for as which date this account was dismiss, the amount place under bankrupt per fair credit account that on credit must be accurate or account has to be remove when thirty dayfair credit state that the reporting agency supposed to have a copy of all document on file im asking this reporting agency to provide me with copy of all document that suppose to be on file i have ask before i have n't received any information next step will be civil action for discriminating because the area i live im provide lower credit scores and defamation this credit bureau action is damaging to good of my reputation.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXXXXXX Account Number XXXX XXXX, Account name : XXXX XXXXXXXX Account Number : XXXX XXXX Account name : XXXX XXXX Account Number : XXXX XXXX Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXXXXXX Account Number : XXXX, Account name XXXX XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, has violated my rights.

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

he 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 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 convi
ctions 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 2023-11-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I attach with this complaint a prior summary submitted to CFPB concerning the fraudulent withdrawal of ~ {$91000.00} from 2 JP Morgan Chase bank accounts that belong to my mother, XXXX XXXX. I am a joint tenant on these accounts, and I am communicating on behalf of my mother. 

JP Morgan Chase claimed that the responsibility for safe-guarding this account was ours, because we were not aware of the sequential withdrawals from the first of the two defrauded accounts from mid-XXXX XXXX until XX/XX/XXXX. JP Morgan Chase stated they provided my then XXXXXXXX XXXX mother with monthly electronic statements, so the responsibility was hers, except for the first 60 days of the fraudulent withdrawals. We repeatedly told JP Morgan Chase that my XXXX XXXX XXXX mother did not agree to get her statements electronically. 

I have recently been preparing to work with social media and press consumer watchdogs to mount a campaign against a legal system that shields banks and harms consumers in the event of electronic bank fraud. 

I found two new pieces of evidence which I believe places the responsibility for safe-guarding the account with Chase.

1. With this report I am also attaching a signed request for PAPER, NOT ELECTRONIC, STATEMENTS. Although this was for a different account than the two that were defrauded, it does demonstrate what our directives and preferences were. Im certain that if JP Morgan Chase searched their records, an identical directive would be found for the two defrauded accounts. 

2. In addition, since my last communication, XXXX, CA police arrested the perpetrator of this bank fraud, who I have been told, pleaded guilty. The case number with the XXXX, CA Police Department is XXXX. If you have questions or want more details about the arrest you can reach XXXX XXXX at ( XXXX ) XXXX. 
Taken together, Chase failed to provide paper statements, further failed to protect the accounts from fraudulent withdrawals, failed to restore the defrauded funds, and refused to work with my family to reach out to the vendors who received the stolen money so that we could receive full compensation. 

SHAME ON YOU. 

Hopefully, with these new facts, JP Morgan Chase will restore the roughly {$76000.00} in defrauded funds that it failed to protect.
Consumer complaint received 2023-07-06
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. (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC1681 SECTION 602H VIOLATED MY PRIVACY ACT 15USC1681 SECTION 604 SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

Unfroze my credit report online through Equifax on XX/XX/XXXX of 2023. Applied for a private XXXXXXXX XXXX XXXX on XX/XX/XXXX of 2023 and was given a message that my credit report was still frozen. I called XXXX and they told me that they had tried to run my report through Equifax and that it was still coming back as frozen. When unfreezing a credit report online, it should've unfrozen my report within an hour.
Consumer complaint received 2023-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IL)

My credit card was locked by the Citi Bank on XX/XX/XXXX. I tried to resolve this problem by calling the customer service to verify my identity and unlock my credit card, but the customer service responded to my request quite passively. They promised to send me a verification letter and to call me back after conducting a survey on my case. But none happened after a whole month, and my credit card is still locked
Consumer complaint received 2021-10-15
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: LEXISNEXIS (NC)

XXXX is reporting via 3rd Party ( reported to be LexisNexis ) a Chapter XXXX Dismissed Bankruptcy allegedly report to be in XX/XX/XXXX. I contested this reporting directly with XXXX in writing ( XX/XX/XXXX ) and they responded that it was reported by a 3rd Party ( LexisNexis ) to them. I then filed a Complaint ( XX/XX/XXXX ) in writing directly with LexisNexis after being told this was the reporting 3rd Party by XXXX. Initially they gave me the " round around '' asking for identifying personal information that they had already been provided. I provided this info again as well as filed a Complaint ( XX/XX/XXXX attached ) against them with the NC Attorney General 's Office Consumer Protection Division. LexisNexis then responded that the contested Bankruptcy information had been deleted from my file with them. I then in writing ( XX/XX/XXXX ) relayed that information along with another contest of the reporting to XXXX and included the document ( attached ) from LexisNexis stating that the Bankruptcy filing had been removed from my file with them. XXXX as a result started a " new '' Dispute investigation and on XX/XX/XXXX notified me that it was complete and the the 3rd Party had " verified '' the Bankruptcy information. That's not true or possible as LexisNexis themselves verified in writing that the information had been removed from their files just two weeks earlier. 

In addition the Federal Bankruptcy Clerk of Court as per US Bankruptcy Court Policy does not verify or report bankruptcy cases to any credit bureau 's or other such 3rd Party 's.
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AutoNation Enterprises Incorporated (TX)

I purchased o vehicle from XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I used my XXXX XXXX XXXX as a trade in for the new vehicle. They offered me {$60000.00} for my trade in and told me I needed {$15000.00} as a down payment. They told me once I bring in the title from my trade. They will give me the remaining balance of {$45000.00}. I brung my title in XXXX week later and they refuse to give me my money. I told them to give me my trade in back and they can take the Nee car back. I wanted out the deal and they refuse that as well. They just keeping the money and havent even put it towards my new car at least.
Consumer complaint received 2023-11-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: All State Credit Bureau, Inc. (MI)

You are listing on my credit report without my authorization or acknowledgment. This unauthorized access to my social security number without consent constitutes identity theft. What's even more concerning is the absence of a letter from you, providing me the opportunity to review the purported debt. Additionally, I haven't received any notification from you claiming that I owe you money.