davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (NV)

I received a Visa Gift Card. The first time I tried to use it at XXXX store I had to call the XXXX and was told it was flagged as fraud ( even right out of the Visa GC package! 

The customer service rep unblocked it and let the transactions through, and said I should not hv any problem anymore with next purchases. But not true, I was not able to use the card at all. 

I called the and they told me I hv to proof I am the legal owner by sending a copy of my drivers license? This is an overseas call center and they are asking me to fax it. I didnt do it I called again today and they asked me to go to the website to report card lost and do it that way. Well the card was blocked by them right out of the package, and still blocked, so the website immediately returned with invalid card. So I called again they said I hv to fax my Drivers License in order for them to unblock the card?? 

I have a balance of {$190.00} ( they confirmed that on the call ) - and I cant use it XXXX searching this, it seems US bank is doing this a whole lot, people not able to use their gift cards. I believe this is a big fraud. I definitely dont feel comfortable faxing my drivers license to an overseas call center Pls help guide me on this? They need to be removed from the market!
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I logged into Chase bank online portal and I couldn't find my checking account. Upon calling the customer care, I was informed that my account has been deactivated and I can't access the account. I asked the customer care to confirm the reason for deactivation, and they could not provide any reason. Per customer care, my account has been in good standing but they don't know why my account was deactivated. I then asked them to close my account but customer care denied closure of account.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp. (TN)

I have an auto loan with First Investors account XXXX XXXX and its almost paid off. I owe about {$4300.00} on it have been making payments to pay it off. Recently I checked my credit report and they have reported my XXXX  charged off and I dont understand how or why. I just spoke to a rep last week when I set up a payment and they never said my account had been charged off except I was XXXX days late. So how is my XXXX  being charged off?? This happened after I disputed my XXXX being XXXX days past due which was incorrect and I guess they didnt like that and decided to charge my XXXX off even though they were getting payment and my XXXX wouldve been paided off this year. My XXXX XXXX had went down on XXXX for them reporting my XXXX  charged off when it shouldnt be. I proof of sending payments and I had just spoke to a representative last week when setting up my payment. My XXXX wouldve been paided off this year and I wouldve had the title. I dont understand how they can do this to me.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I already have a active complaint, XXXX still does not allow me to even view my credit score, today I received a paper stating that I looked into a line of credit called thrive and I did not give them permission to do that. I cant see the inquiry but I have the paper. This is getting outrageous just last year. I had my credit fixed nice and good now all of a sudden Im getting all kinds of inquiries not one thing on my credit report that is showing delinquent is accurate none of the reports match each other and when asked to dispute the reporting agencies just say, its verified well I want to see 100 % without a doubt verification that I opened something because I did not just like I did not ask for an inquiry today. This is Atta control these companies just do what they want and people suffer The fair credit reporting act is just a joke to them well, I would like all of the negative items on all three of my credit reports disputed for inaccuracy and identity theft, because none of them are accurate. Theres a bunch of missing spots and all of them and its ruining my ability to obtain credit much less, put a roof over my familys head, in accordance with the fair credit reporting act and consumer law, if they are not able to fix all of the inaccuracy on my credit report, then I demand that they shall delete all inaccurate and delinquent accounts present on each of their respective reports thats including XXXX, Equifax, and XXXX if they are unable to do this, I am prepared to sue over and over again Until this is rectified, and if they think I am not capable or that, I wont do it, they can go ahead and test the water, but I am tired of my reports being screwed up in accurate and full of whats potentially somebody running around with my Social Security number, and lets not forget child support I would like that removed as well because they have it listed as a loan and it is in fact not a loan not that its inaccurate and way behind so once again, I ask that all late payments be corrected to pay on time or removed from my credit report any open accounts that are showing a late payment or a balance should be removed posthaste any hard inquiries that are on my credit report. As of now were not authorized and should be removed. Any collection accounts should be removed because they all bare in accuracies any delinquent closed accounts that are on these reports also have inaccuracies should be removed, there should only be a XXXX card listed on each of these accounts other than paid in full closed down old accounts I have over 274 screenshots of inaccuracies, and I am prepared to sit here and upload every single one of them if thats what it takes to get everything fixed and if thats not enough, Ill show all the inaccuracies in a court of law And then I wont need credit. This is ridiculous that these companies can get away with this and these debt collectors just post stuff without even verifying it 100 %
Consumer complaint received 2024-04-27
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. (TN)

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.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company (TX)

am in the middle of a loan modification review and my lender is dual tracking. I was advised that I do need to pay a lien off the property with my HOA. I have been in contact with my HOA and the amount is a little over XXXX. My file is with underwriting and they stated that they need the release of lien from the courts. They did not bother to advise me of the amount. I was told by the receptionist at the hoa as i was not able to reach the person t provide the fullo amount owed that even if I do pay that it can take up to 30 days for the loi3en release. Meanwhile, I have a sale date. Meanwhile, Im in review. Im doing what I need to do working with my HOA and this freedom mortgage is trying to still sell my property at the same time while Im working on paying and clearing up my title issues. That is absolutely dual tracking. dual tracking is status on the consumer protection website bureau as. My File is with UNDERWRITING yet they are tyring to take my home without giving me the time allowed to settle things.

Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. To give borrowers reasonable time to submit such applications, servicers can not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent.

My File is COMPLETE. I am in the process of clearing title.

I am demanding my cell they be postponed due to the negligence, lack of work ethic I feel like Im being discriminated against. Why would you guys put my property up for sale if Im in underwriting and Im trying to clear the title lean as you guys advise me too it takes at least 30 days to get the lien release..

this is completely unacceptable and this is why so many properties get foreclosed on because people do not stand up for their rights. I will not allow this. I need my cell postpone so I can continue the review of my file in the appropriate manner by people who can do their job properly. I am a XXXX  XXXX father, and it is very apparent that they would rather foreclose my property than assist me because why would you not allow the lien release to go through if you know it takes up to 30 days via the court. In the meantime {$7000.00} is a lot to spring on me. I was not expecting that but I have majority of it to pay them and they are very well made aware of that. I
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MO)

XXXX XXXX venmo I had money put into my account and for some reason they suspended my account with no explanation tell me that their account specialist is supposed to email me back which never have even though they verified my identity they still suspended my account for some reason
Consumer complaint received 2022-11-19
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. (DE)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-28
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. (AR)

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, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX - XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$2300.00} ; XXXX XXXX XXXX XXXX. XXXX, XXXX.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Adjustment Service, Inc. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, + consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : DIVERSIFIED ADJUSTMENT SERVICE , INC .
Consumer complaint received 2024-05-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I have a Citibank Checking Account, Savings account and multiple credit cards with them for the past 30 years. I recently requested a wire transfer for a large amount to perform house closing. The wire transfer gets cancelled by their Fraud Prevention department with no reason. I have tried about 10 times in the past 24 hours. When I keep calling their customer service ( Gold status I have ) and they transfer me to their Fraud department. The Fraud rep asks for a referral number which they claim to be given via voicemail to my mobile phone. I have not received a single call or voice mail from them. Because of this my closing is cancelled and this has caused serious hardship for me, my builder, title company, mortgage lender etc., besides my family. It has been over 24 hours with numerous calls and no resolution so far. Not sure how I get my money back. I have cancellation emails from Citibank when requested.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There are 2 accounts reporting that I am not familiar with. I don't recognize either one. Please help me to get these accounts remove from my credit report. 
XXXX XXXX account with a balance of {$3000.00} and XXXX account with a balance of {$4100.00}. 

Please remove this incorrect address and employer information XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (NY)

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 filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2024-05-30
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: AmeriCollect (NC)

Pursuit to 18 USC 8, I owe no debt. This company is Violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681 4
Consumer complaint received 2024-05-30
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Debt Co LLC (OR)

Through my XXXX XXXX credit card " credit report '' there is a debt collection dated XX/XX/year> with XXXX yr XXXX mo listed as the open time. The collection company is Debt Co XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX The company " XXXX XXXX XXXX XXXX XXXX '' is listed as the company I owe money to. This company name is for a public utility group in Texas! I don't know anything about it! 
I've never lived in Texas! 
I asked Debt Co to explain the debt amount of {$520.00}. They wouldn't unless I gave them all my personal data, which I refused to do. They don't sound legitimate to me. 

This debt does not show on my XXXX credit report but does show on XXXX, which seems to be the credit check that XXXX XXXX uses...
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.
Consumer complaint received 2018-02-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MA)

started a modification on loan 15 months ago they keep putting it off finding excusses why its not going thru. not putting my payments towards mortgage, reporting to credit iam not paying, now sending back my payments, company is nationstar loan number XXXX have been working with XXXX XXXX XXXX for 8 months now and she says she cant figure out whats going on they wont give her a answer, i have reported them to IRS, FHA, AND complaint department and called att, generals office and local news company, iam a XXXX XXXX  with XXXX county, everytime I get all paper work done they say either the notary stamp isn't right or they find something else wrong then cancel again, I just want it done so I can get rid of them, now they say they are going to foreclose on me even though I have made all payments and they are holding XXXX dollars of my money, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX mass XXXX email at XXXX XXXX
Consumer complaint received 2023-07-03
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. (TX)

Despite my previous request, the acccounts i've been disputed still appear late payment in my credit file but the fact is, I am never been late on paying. For that reason, I am asking for your help to correct my payment status or information in my account. It was come to my attention that the 3 credit bureaus have unlawfully disclosed my personal and private information. I demand that they will provide me an updated copy of my credit report immediately. These accounts should be corrected right away : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-05-21
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. (CA)

The information in these accounts is imprecise and, consequently, I insist on their prompt deletion. Furthermore, in accordance with Sections 15 USC 1681n and 15 USC XXXX I request {$1000.00} compensation per inquiry violation, for the damages they have caused me.
Consumer complaint received 2024-05-30
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: TRUHOME SOLUTIONS, LLC (CO)

I have submitted a dispute through XXXX for my previous mortgage loans that have falsely reported to my credit report. The mortgage loans were through XXXXXXXX XXXX XXXXXXXX XXXX and Truhome Solutions. I have bank statements showing when we made payments. We also were trapped by the bank into our XXXX home loan, and falsely lead into a high interest rate that benefited the bank, not us the consumer, but they didn't make us aware of everything when we were getting the loan and they had their " board '' make it work. We feel we were used as a consumer and taken by the bank. We also knew the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and we feel that connection is what got us trapped and used for this high interest loan. We are fighting them through the XXXX  as well.
Consumer complaint received 2024-06-18
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: JPMORGAN CHASE & CO. (OH)

XXXX XXXX XXXX and XXXX XXXX XXXX charged my card numerous times totaling {$8200.00} without my permission. After realizing it and this was fraudulent i contacted Chase bank who had me file a dispute, the dispute was denied because they said it was fraudulent, however i complained and they reopened the case under fraudulent charges. I have numerous emails from the company i thought the charges might be from but its a completely different business name and the company turns out to be a complete scam and not even in business and in multiple lawsuits. I have no idea who XXXX XXXX XXXX and XXXX XXXX XXXX is and why my card got charged so many times. Chase continued to side with them when i have all the proof that these charges are fraudulent
Consumer complaint received 2024-01-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I have had a savings account with Capital One for many years. The account was called Capital One 360 savings. About 4 years ago Capital One started offering a new account called 360 XXXX Savings account. I thought this was just a name change. But it wasnt. It was an account with a higher interest rate. If I wanted the better I would have to open a new account. I think that this was deceptive on Capital Ones part.