davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
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. (CT)

In early XX/XX/year>, Chase alerted me that someone tired to open a card in my name. I called them back and they reported the incident and recommended I call XXXX, XXXX, and XXXX to report and freeze my credit. I did so however I have multiple inquiries on my credit report
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRSTBANK (AZ)

In XX/XX/year> I deposited and verify by the Assistant Manager at the bank {$33000.00}. Everything was going great until ( 4 ) months unto they closed my money and I didn't have any way to have it.

Checking : {$21000.00} Saving : {$4400.00} = {$25000.00} They lied to me. They said they just want to see my Taxes. I DID SHOW THEM MY IRS TAXES. 

I don't know what to do. I have gone to the bank about ( XXXX ) times. They said " I'm not going to send this money to you ''.
Consumer complaint received 2023-11-15
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-15
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

Filed a dispute with Capital One in regards to a transaction that I made and never received the product. Capital One sent a letter stating that the company mailed out the product and that was all the proof they needed to make me pay for the item. I requested proof of me receiving the item. I did not receive a response and I need this transaction removed. I need proof of where this item was mailed to and I need this transaction removed since I have no product.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd ()

Transferwise bank closed my persnol account. In my account have more then $ XXXX also XXXX pounds and XXXX euro. They closed my account without any resason and notification and hold my funds. I need my account and funds asap. Because I have to pay bills. I will be really thankful to you. 
Email : - XXXX Phone no : - XXXX Address : - XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Last transfer number : - XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-11-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch (NY)

On XX/XX/XXXX I was approved for a car refinance loan through an Auto Pay lender. I worked with an agent- XXXX XXXX and had the documents notarized and sent the following Monday, XX/XX/XXXX. XXXX called me on XXXX and noted I missed a signature on one of the pages, then noted I needed additional documents. I told him to send me something in writing so that I could get him the documents. I never received an email listing the documents so I followed up with him the next week and was ignored. On XX/XX/XXXX he texted me and said he sent the email but I responded I never received an email and tried to verify my email address. I was ignored again. On XX/XX/XXXX I wrote the company and email asking for a new agent as the loan process has been delayed due to unresponsiveness. A new agent called me on XXXX and said I would have to start the process all over again and would require another hard credit inquiry. 

I declined applying AGAIN since I did not want another hard inquiry and I don't trust this company. I am concerned my data may have been used inappropriately or stolen. The company refused to give me anything in writing and would only call me to apologize.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2024-04-29
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: AMERICAN EXPRESS COMPANY (FL)

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-12-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Freedom Mortgage Company (AL)

Reference the attached Mortgage Statement from Freedom Mortgage from XX/XX/XXXX shows a payment due of {$940.00} with XXXX balances for late fees and escrow. 

Reference the Final Payment attachment, {$940.00} was paid to FM on XX/XX/XXXX bringing my balance to {$0.00} for the mortgage. 

Reference the FM Fee attachment, FM requested, and I paid {$28.00}, in fees on XXXXXXXX Not really sure what that was for but it seemed like it was worth it to get FM to close out the loan and give me a canceled promissory note, updated deed of trust and certificate of satisfaction. FM has provided none of these. I would like a refund of {$28.00} or at least a description of what I paid for. 

Reference the first unsolicited Payoff Statement from FM dated XXXX XXXX, FM sent me a Payoff Statement showing that my final payment of {$940.00} was placed in " Less Unapplied Funds Balance of - {$940.00} and listed a Total Payoff Due of {$1600.00}. This document clearly illustrates that FM received my final payment and just didn't use it to make my final payment as listed in the attached Mortgage Statement from FM. I asked FM why they are you asking for {$1600.00} for a loan that has been paid in full? 

Reference the second unsolicited Payoff Statement from FM, it still shows that I have an unpaid principal, adds late fees to a loan that has been paid in full, adds Additional Items Due without explanation and no longer accounts for my payment in XXXX of {$940.00}, and requests a Total Payoff of {$1800.00} for, again, a loan that FM 's own records show has been PAID IN FULL. 

I asked FM tp please provide an explanation for why you are asking for additional money, what the fees listed in the Payoff Statements are for, where did my final payment of {$940.00} go in their last iteration of a closeout statement. I also asked that they lease provide a written response and a senior POC and phone number that can explain this mess.
Consumer complaint received 2024-04-29
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: MoneyLion Inc. (CA)

XX/XX/XXXX I got on App with the promotion 2 days earlier to paycheck from my job. I downloaded it call moneyLeon. 
First direct deposit went through. But XX/XX/XXXX rent bill was going to pay. I did transfer from the app to my bank account. On error was made from me went trough an option Investment. Right away I contact them each day since XX/XX/XXXX until XX/XX/XXXX after each morning sending emails same poor answer from them I had fees I did pay on my rent. And unfortunately this company used my own money invested and lost some amount in the market. I got less from an error and plus they add me u a loan that called security credit repair. Something I never got informed well and now there is a loan of XXXX plus late fee and late due payments that I never signed with my Consent and is open and active and is ruining more my por credit after a divorce process
Consumer complaint received 2023-11-15
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-15
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. (ME)

In accordance with the Fair Credit Reporting act Convergent XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under the reference ( 15 USC 1681c2 ) they did not provide documents ive requested with multiple attempts to resolve the issue for the following account listed below. 


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 2023-11-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (CA)

XX/XX/2023 : applied for loan. 
Throughout XX/XX/2023 : XXXX XXXX said I would get tons of emails, texts and phonecards from mortgage companies because I'm applying for a loan and my information is public while a credit check is being done? Voicemails, texts and emails flooded my devices. Wrecked one of my phones with a virus. 
XX/XX/2023 : signed docs with notary, she stated loan looked " funny. '' Then there is a class action lawsuit for a cyber breach against Mr cooper. I had to freeze accounts!
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY (IN)

This man and his colleagues completely ruined my XXXX XXXX as a home owner. I worked six months of overtime after I was pre approved for a XXXX XXXXXXXX XXXX mortgage. This man delayed my closing 3 differnt times and made me resubmit my application 3 differnt times. By the fourth closing attempt with my professional realtor from XXXX Results XXXX Indiana, he completely denied my loan after making me pay for appraisal fees and inspection fees. My realtor tried to get him to reimburse atleast half of my money and they refused. My realtor said it was the worst-case she had ever dealt with in her entire 30 years of realistate experience. I had a conventional loan. After talking with a loan advisor from XXXX XXXX. They informed me that this man most likely gave me bad advise on purpose so he could resubmit my loan information for profit. He also told me that this happens all the time with bad reps as everytime they make you start over they get paid for it. I still have all the confusing emails and emotional outburst of the most humiliating, degrading home buying experience I've ever dealt with. 

This man and his colleagues ruined my new beginning. His manager did not help me or my realtor either, as we both tried to hunt them down after the first rep mysteriously quite in the middle of my loan process. We even had to stoop as low as calling his secretary for answers about my loan information. I deserve justice. I deserve to be in the home that he scammed me out of. The house that was later resold at a higher asking price after my inspectors did all the dirty work. Im giving you his information below. Please vindicate me and my son. We are currently renting an apartment because our new beginning was stolen from us. I was almost homeless because of these people. Please help me. His manager won't help and everything always ended in we are in a meeting and we will call you back. I lost well over XXXXXXXX XXXX and six months of my life with my Son trying to appease this monster. 

XXXX XXXX XXXX Mortgage Consultant XXXX XXXX XXXXXXXX Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX | XXXX, MN XXXX XXXX XXXX XXXX XXXX Ext. XXXX eFAX : XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Every week when my money would hit, I had to pay thing and I would make like two or three transactions and the card would freeeze and sometimes I couldnt unfreeze for some days and as a result it would mess up my automatic withdraws without me knowing and would make my payments delinquent sometimes even cancel service..
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RSH & Associates, LLC (KS)

I received in the mail a notice that my account had been sent to collections. This was the first and only correspondence about the bill going to collections. I received no call from the company or any emails from the company. This was the first thing I get. they gave me no time to correspond with them about making any arrangements or trying to find out information about the cause of lateness. I feel this could have been avoided if they had taken the time to reach out to me. They had all my contact information.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2023-11-15
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: U.S. BANCORP (FL)

On XX/XX/2023, I noticed an authorization on my credit card account for an entity called A Taste of XXXX XXXX in the amount of {$4800.00}. I immediately contacted U.S. Bank, the card issuer, to notify them that no charge was authorized before it even posted as a transaction. A fraud case was opened and a credit was applied. I had recently ordered a card for an authorized user which was never received. I assumed the card was stolen from the mail which was the only possible explanation because I am in XXXX and the other user is in Nevada making it impossible for a card in our possession to be swiped as the bank claims occurred. On or about XX/XX/2023, I received a letter in the mail requesting additional information to be returned by XX/XX/2023. Form copy uploaded. My staff tried over XXXX times to fax it to their number that constantly rang busy and unable to fax the document per their request. Recognizing the deadline was the next day, we were left with no choice but to send the document via overnight mail, tracking information will be uploaded. Much to my surprise, a new statement dropped today and this charge was re-posted. Upon calling the bank, they stated I said the card was in our possession which is a fabrication.Additionally, the authorized users do not have access to my house or the mail which is a locked box making it impossible for any authorized user to have physical possession of a card. I am uploading a screenshot of my flight to XXXX where I departed the US on XX/XX/2023 which is a week before this fraudulent transaction occurred. The only person who has access to the mail or house is my XXXX XXXX XXXX mother who is a XXXX XXXX XXXX This transaction is marked XXXX XXXX and we live in XXXX XXXX. There is no reasonable or possible explanation other than the card was stolen in the mail process and fraudulently used by someone else. I contacted the bank and they said they would have someone contact me for which I explained it must be during their night because I am in XXXX which is XXXX hours ahead of EST. I will not return to the US until XX/XX/2023. I have closed the account because I am not willing to do business with a bank that doesn't take the legal responsibilities seriously.
Consumer complaint received 2023-11-03
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. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX