davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
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: Self Financial Inc. (NJ)

re : XXXXSOUTHSTATE BANK late payment XX/XX/year> Account number XXXX I have sent XXXX previous letters to you, certified mail asking you to remove inaccurate information from my file. Because of my request, you all have failed to provide me a copy of any ORIGINAL documentation ( a consumer contract with MY signature ON THE CONTRACT ) which is REQUIRED under Section 609 ( a ) ( 1 ) ( A ). 


According to the FCRA, your failure to reinvestigate is an intentional and negligent FCRA violation. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate this account, Not only that, but you have also failed to provide, per my request, the method of verification as required under Section 611 ( a ) ( 7 ) and under 15usc1666 ( a ) proof I received each periodic statement required by section 1637 ( b ) of this title was mailed or delivered to me no later than 21 days before the payment due date. I am due {$1000.00} per violation : 15 U.S. Code 1666 ( a ) Time to make payments Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681b Permissible purpose of consumer reports IN GENERAL-Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : JPMCB CARD SERVICES XXXX, JPMCB CARD SRVICES XXXX
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, I sent an email to the XXXX XXXX, XXXX of Capital One, and was contacted by a representative regarding a late payment from XXXX. They informed me they are reporting accurately however this is grossly incorrect. Back in XXXX I contacted CapitalOne in advance to enter a forbearance for credit card payments due to XXXX XXXXXXXX and was approved. I should not have any missed payments as I was in forbearance during the time a late payment was reported. This late payment is in violation of 15 USC 1681s-2 ( F ) and should be updated to report as ON TIME and the XXXX XXXX Late removed. 

Additionally, as per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1681i ). Furthermore Capital One is reporting the date of delinquency inaccurately across all XXXX bureaus. I request that you conduct a thorough investigation into this late payment to verify its accuracy. If this late payment can not be verified, it should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). The FCRA grants me the right to request the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I would like to also note that I have been banking with Capital One since XXXX and out of my XXXX credit cards with them, I no other late payments, including during XXXX. 

Enclosed please find communication from Capital One verifying my forbearance in XXXX and noting my due date for the next payment would be XX/XX/XXXX. I would like swift and immediate action to correcting this as inaccurately reporting on my credit report has disproportionately impacted my financial stability over the past XXXX years.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (SC)

XX/XX/year>, someone got cash using my account number {$220.00}. I only had {$5.00} because I had received New Cards because of my account was hacked. 
I was in the Bank talking with XXXX XXXX. I did not get any cash of {$220.00}. I was not given a receipt. I have asked XXXX XXXX XXXX for a receipt, who gave me the money, and the name of the teller or the teller number who in the world would give the customer {$220.00} when they only had {$5.00} in their account? Who could not get the receipt for the money. He said he could not provide that information to me. I asked to see me on Camera, he said that I would need a Court order. I closed my account in XXXX. 
All of the accounts are closed and all my Direct Deposits was closed. Now they have put the {$220.00} in my mom 's name, telling her that she has an overdraft of {$220.00}. 
Which she did not owe them. She had a {$5.00} Fee. It was paid on XXXX XXXX. All of her Direct Deposit was transferred. I had XXXX XXXX on XX/XX/year>. This was the only day we were not in the bank. We have been getting phone calls every day, they do not leave any messages. They just call any time of day, night, and weekends. We just need help with this situation. It is making our lives miserable. We did not do this. Thank You.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi! 
I have been having a recurring issue since XXXX of XXXX up to now XX/XX/XXXX. I did file a previous complaint, and I believe that I was misunderstood. 

TransUnion has a broken login system. I have been unable to log in online to look at any of my data, including the credit freeze I unlock for specific life events. Even after spending over an hour on the phone with a customer service agent, I have been continuously locked out of their system, and TransUnion is doing nothing to correct this. 

After reading Consumer Reports this month, it has become clear that the problem is impacting more than just me. According to their report, more than 25 % of Americans are dealing with login problems with credit reporting agencies. It's not just me, or people who use iOs, it's 25 % of all users having this issue with TransUnion among others. Given the impact TransUnion has on daily lives in the US, that login issue definitely needs government intervention.

I did get my credit report from them, but what I need is my log in, and what XXXX needs is the entire login system properly fixed. 

I appreciate your time and attention to this matter. 

Warm regards, XXXX XXXX
Consumer complaint received 2024-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

Hi there. 

I attended the art institute of XXXX XXXX XXXX XXXX XXXX 

The federal government, including current secretary of education, has found this school guilty of fraudulent behavior including predatory and fraudulent recruitment tactics and number reporting. This led to discharge of all FEDERAL student loans from this school. This also led to applications for discharge of PRIVATE loans. My application was denied by navient without any explanation. According to many many other victims of the art institute, their applications have also been denied en masse without explanation. 

At the very least, Navient should be investigated and demanded a thorough and logical explanation of WHY they are denying Everyone, despite overwhelming evidence against the art institute, including public court statements from the federal government.
Consumer complaint received 2024-06-03
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. (NC)

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 XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-12-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I sent a dispute registers mail with return receipt on XX/XX/2022. The credit reporting agencies did not do an adequate investigation within XXXX days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2022, and the dispute still has not been initiated nor finished
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I applied for an extension of credit through XXXX and was denied for many reasons, most I do not agree with but one of the biggest issues I see is that TransUnion was used to make adverse actions against me. I've never done business with TransUnion and thusly never consented for them to to share my information, let alone have my information. I am confused how they acquired my information. How can a company have and share my personal, private information without me ever speaking with them?
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: United Shore Financial Services, LLC (PA)

On XX/XX/XXXX an appraisal was done on my home in XXXX, WY to assess the current value to release the mortgage insurance. The value came back less than the purchase price in XXXX, from the same appraiser, in a market that had increased considerably, year over year in market value. I submitted a detailed dispute on XX/XX/XXXX, the appraiser used comps that were not comparable, and I detailed why in my dispute, with historical data, and if she were to be allowed to use those comps, then other adjustments needed to be made for age and location. The adjustments she was using were pushing over 30 % or more which already signaled they were not true comps. This is a very small town and I heard first hand accounts in which this particular appraiser was known for appraising the purchase transactions to just work but appraise refinance transactions very low for second homes. I will also be filing a complaint with the state of WY in which she is licensed. UWM did not respond to the dispute until XX/XX/XXXX, which seemed an excessive amount of time based on the appraiser 's revisions. I have included the original appraisal, my dispute, her revised appraisal with no change to value, my response in which I tell UWM I will report them to the CFPB, and then a second revised appraisal in which they suddenly made her change her adjustments to marginally increase the value. I don't believe UWM advocated appropriately for this appraisal since it's not in their best interest for me to get out of my MI, but this is supposed to be fair lending, and this appraisal was egregious. I have emails with dates, and all supporting documentation. I am unable to upload the appraisals as the files are too big, but the emails have the information of value, and the appraiser 's response
Consumer complaint received 2023-07-23
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. (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 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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (OK)

Thank you for your quick response with the first dispute. This is a continuous of that. While you addressed one thing you completely ignored the rest. 

Again, I do not know you. I dont have a signed contract with Transworld Systems Inc XXXX Please reply with a signed contract between me and Transworld Systems Inc. Please reply with a purchase agreement. Please. Reply with certified mail receipts for the notices that you were supposed to send before reporting to my credit report.Reply with any other document you have pertaining to the alleged debt Again this is a continuous of the first dispute and Im asking for *proof of a signed contract between me and Transworld systems inc XXXX 
* The purchase agreement * Proof of required notices sent out before you report
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (VA)

On XXXX I was looking for a flight on XXXX XXXX website. At check out there is an offer for citi platinum XXXX XXXX XXXX credit card with {$200.00} statement credit and XXXX miles. I click on the only link for more information and complete the application in a pop up window. At the approval screen, there is a button to get a card number now before the actual card comes in the mail 7-10 days later. I click on the link because I want to apply this new credit card to my purchase and receive the {$200.00} credit and miles. The link to get card number now errors out and I can not get back to the screen. I call Citi and am told no other opportunity can be provided if the screen errored out. Now I can not make my purchase now and they recommend I wait 7-10 days for the physical card. I now have a new credit card processing but did not get the offer I click on for the amount off and miles. I am now trying to have the account closed by the bank before it is even sent out to me since I now have no need for it.
Consumer complaint received 2024-06-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: JPMORGAN CHASE & CO. (AZ)

XXXX : Chase informed me, before signing mortgage documents, that I could re-cast my loan as often as I wanted. When I applied to re-cast, they denied it. 

Chase egregiously misinformed me ( whether through willful negligence or reckless negligence ) that some third party investor had a policy change which prevented them from re-casting my loan. 15 months later Chase finally confessed that they are the investor, not a third party, and it was their own policy that they changed and are now enforcing regardless of our agreement. 

DETAILS : Around XX/XX/XXXX, I was in the process of buying a new home and selling my old one. However, I would not sell the old house in enough time to apply the money toward the new home 's loan. I spoke with XXXX XXXX from Chase regarding their mortgage loan benefits. From XX/XX/XXXX through XX/XX/XXXX, XXXX XXXX, on behalf of Chase, informed me that Chase would allow me to re-amortize ( re-cast ) my loan if I signed my mortgage loan with Chase. The mortgage loan was signed in XX/XX/XXXX with the understanding that I could later apply the lump sum gained from selling the previous house and then re-cast the new loan with Chase. When I applied for the loan in XX/XX/XXXX I was denied. Chase stated there was a policy change. They have never told me which policy they're referring to, even after a direct request by me. At first, Chase claimed the mortgage contract itself prevented my re-cast. I read the contract thoroughly and there is no such language. I pointed this out to Chase, who then attempted to blame the VA on the change of policy. I contacted the VA and confirmed they had no handling or policy implementation. Chase continued to blame the VA, so I requested a written letter from the VA as evidence to Chase. Chase ( for the third time ) altered their claim that it was the investor, XXXX, who had the policy change. On XXXX XX/XX/XXXX, I was notified by Chase that they were previously incorrect and that Chase, themselves, were, in fact, the investor. Chase changed their own policy after I signed the documents and will not allow me to re-cast my loan. 
To this day, Chase still will not show me what policy they're implementing. They did not tell me of the policy change. Chase and I had an agreement and now Chase is no longer following that agreement. Chase has every opportunity to provide a path to allow my loan to be re-cast, which they agreed they would, and they are not choosing to uphold their end of the agreement. 

I would like my loan re-cast options restored. And I would like the money lost from this ( around {$15000.00} ) to be applied directly to the principal of my loan. 

Please feel free to contact me with any questions or concerns. 
XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-03
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

I noticed several unauthorized inquiries on my credit report : XX/XX/XXXX -- -- -- - Capital One XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX  XX/XX/XXXX -- -- -- XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX XXXX XXXX XX/XX/XXXX -- -- -- - Capital One Bank USA XX/XX/XXXX -- -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Entered into a loan agreement with Credit Acceptance Corporation ( known as " CAC '' ) in XXXX, missed a few payments due to loss of income. CAC indicated they mailed correspondence to my mailing address, which I never received. CAC violated Florida State law, which requires them to send " Notice of Right to Cure and Redeem '' They also are hiding the true cost of credit : Setting up borrowers to fail, since XXXX, Credit Acceptances loan agreements nationwide have said that consumers would pay interest at an average 22 % APR, the interest rate on my loan was 22.99 %. They work with a network of dealers who inflate the sale prices, sell add-on products and manipulate CAC software, which they are required to use and get the best possible cash price for themselves. This is known as the " CAC Payment '' to the dealership, which in my case included my {$1500.00} down payment. In XXXX, Massachusetts Attorney General secured more than {$27.00} XXXX for thousands of families harmed by Credit Acceptance, and this very agency, along with the New York State Office of the Attorney General sued the predatory auto lender , Credit Acceptance Corporation, for misrepresenting the cost of credit and tricking its customers into high-cost loans on used cars back in XX/XX/XXXX. ( see XXXX XXXX XXXX XXXX XXXX XXXX )