davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (AL)

I received an email related to a XXXX package being delivered to my address. I received the package and found it to be a JetBlue credit card I did not apply for. I checked with the XXXX XXXX and found that JetBlue Barclay Bank did a hard credit inquiry with XXXX on XX/XX/2023. I called JetBlue and they had, not only my name and address, but my social and DOB. I explained the situation to the representative 1 and I inquired about who had authorized a check on my credit and why had I received the card. I was placed on hold for the Fraud unit ; however, after Representative 2 answered, I had to go through the entire explanation again. Representative 2 advised I would need to speak with the Fraud Unit, advising the their office was closed.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for a new Capital One 360 Checking Account - the account was offering a bonus if you made two direct deposits of {$250.00} or more. I made two direct deposits from the exact same brokerage account - yet Capital One told me one of the deposits was ineligible. I called up to ask for an explanation and they were unable to provide one except that their app may have caused the problem. Capital One sent me an offer - I signed up - then they didn't fulfill their terms. This is fraudulent activity.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (CT)

I am in bankruptcy as of  XXXX   XXXX . As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all   XXXX   bureaus ) shows a CAVALRY PORTFOLIO SERVICE account. I never had a cavalry account. there is a memo that states it  may be a   XXXX   XXXX   a ccount which was included in my bankruptcy.  Calvary is rep orting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has cru shed my credit score and needs to removed ASAP. This is double hitting my credit score  : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  Calvalry  reports : Collection as of  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  and Filed Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.
Consumer complaint received 2024-03-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal credit union I have 2 personal loans I applied to combine both loans loans been paid on time lately this would benefit just paying one loan just got denied for something I thought good for me and Navy Federal credit union also got denied for auto loan my credit with XXXX at more
Consumer complaint received 2023-09-10
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)

There are XXXX hard inquiries on my credit report that I did not authorize or consent for. The Fair Credit Reporting Act clearly states that the only permissible purpose for pulling a person 's credit report is for : XXXX ) a firm offer of credit XXXX ) insurance XXXX ) an application for employment, or XXXX ) a court order The items listed above are not related to XXXX of the allowable purpose, as it have been reiterated from The Fair Credit Reporting Act.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1631 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also stales a consumer reporting agency can not furnish a account without my written instructions ] I want the CFPB to publish this description on consumerfinance.gov
Consumer complaint received 2023-03-29
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WA)

On XX/XX/2023, my card was unauthorized used at XXXX XXXX for XXXX and some change. I had no knowledge of this transaction taking place. My wallet had been stolen on the XXXX out of NY car and my card and wallet was in there. 

On XX/XX/XXXX I filed a dispute XXXX with chime XXXX XXXX. I let them know the urgency of my situation as I am a single dad and the money taken was our rent money. I sent two emails as well as a filed police report to ask if my provisional credit could be expedited. Instead chime sent me a generic email twice and refused to let me speak to anyone in the investigation unit. This has been frustrating as they will not issue any updates or respond to request for expedited credit.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (FL)

n 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AR)

Company has stated that I re opened a loan in XXXX when I did not. Also they keep reporting different amounts and payment dates over time for the last 5 years. I have requested documentation and proof and then they re-hit my credit with more negative notes and different payment information. I show several different balances since XXXX when I originally began to try to fix my credit. I offered to see what repayment options I had to help pay the debt originally though the loan was a third party or straw purchase loan for someone else. The loans were for an ex I had for several years but she had limited income and could not get approved. I attempted to call and was always threatened with being sued, once I lost my job and we separated I wrote the loan off as something I would attempt to resolve should they ever allow me to and provide an accurate amount owed. The biggest issue is that the company never provided accurate information and the time lapse for the loan to fall off of my reports has passed. But instead of taking it off my reports they continue to change, alter, miss represent, fictitiously claim I made payments, and other malicious acts to continue to keep the infractions on my reports so they can continue to harm my credit. It is not ethically right and should be or possibly even could be illegal. Please help me resolve this issue so I can continue on with my life, they have written the loan off for a profit loss years ago and it does not harm them at all any longer, has not in over 8 years. Attached I have added several random different credit reports I can pull from different apps and statement stuff I have available from XXXX to XXXX, you can see major reporting differences and even were one recent shows my balance at {$160.00} and one recent shows I made several payments in XXXX, XXXX, XXXX and even XXXX? From my understanding the credit agencies all should benefit in my favor over this with the proof that I am sending. This account should be deleted in full and taken off of my reports. It is not fair at all that I continue to suffer and have major issues because this false reporting and lying that has been done.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the resulIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigationts of the reinvestigation
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Opened a fraud claim on XX/XX/2023. For the amount of XXXX. I had instructed the countless representatives that I had tried to get in contact with the service provider and they told me that they would not give me anything back. I contacted Citizens bank and disputed the charges and let them know what happened and also that I found that my phone was stolen and XXXX payments were made without my knowledge or consent ; so I disputed those as well. Ive waited for XXXX weeks and the bank closed my claim because they said I needed to reach out to XXXX XXXX and XXXX directly, but I had already instructed the representatives probably 5 or 6 times previously that I had done my due diligence several times, and no one would speak to me and no one would return my money. But I did reach out to them already and they kept advising me to contact my bank. I left numerous notes with the bank and they just cast me to the side and the supervisor told me to go to small claims court. But the whole thing is I cant get ahold of the merchant so small claims court is not an option and I cant locate them. And the representatives I spoke with did not listen to me and I was told that whoever filed my claim previously had disputed other transactions like direct deposits and other things that I did not tell them to dispute. That just shows me that the bank did not do right by me and did not care that I am struggling and did not listen to me.
Consumer complaint received 2023-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (FL)

Paramount Recovery SyS is a third party debt collector who is not registered to do business in Florida. Which is violating code 15 usc 1692 b ( 2 ).

Second, This is also identity theft because know one got my consent to do anything with my debt.

Last but not lease they also have reported inaccurate things on to my credit report. For example investigate : XXXX doesnt even have it reported at all, column last reported is inaccurate, as well as column last active.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I opened brand new account. XXXX  XXXX with Chase Bank . I funded {$500000.00}. I moved the money from XXXX XXXX. Since there is a promootion at Chase bank which stated that to qualify the bonus, I need to have the new money from other institution, and the funds need to be held by Chase. After 90 days, I should get the {$3000.00} bonus. 

Today is already XX/XX/XXXX, Chase still did not give me the bonus and Chase closed my bank account. Chase said they can not open my account. It is rediculous!!! On XX/XX/XXXX, I got bank statement from Chase. They opened my account already. 

Could you please help me on this matter. This is my saving money to support the family, Thank you so much for your help.
Consumer complaint received 2023-11-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I have received several gift cards at work from American Express that I am unable to use to purchase things online. I rarely shop in person, and it is pointless not to be able to use the card online when it says it can be used anywhere.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC (NY)

In accordance with the fair credit reporting act this creditor, BMW FINANCIAL, has violated my rights under 15USC1681, section 602 states, " I have the right to privacy. '' 15USC1681 Section 604A, Section 2 it also states, " a consumer reporting agency can not furnish an account without my written instructions. '' Under 15USC1666B, " a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. ''
Consumer complaint received 2023-11-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OR)

I bought a {$250.00} US Bank prepaid card from a XXXX XXXX XXXX. I gave it as a gift, and the person I gave it to said it had a XXXX balance. I talked to the store, who told me to call the number on the card, which I did. The person I talked to was nice enough to tell me that a batch of the cards had been compromised before they were sent to the stores. I then called the XXXX XXXX customer assistance line and the number on the back of the card multiple times. Finally I was told that they would send me a replacement card, if my appeal was successful, within 90 days. 

This is totally unacceptable. XXXX XXXX sold a card with no value. US Bank knew it was selling cards with no value. So far I've spent an hour and a half trying to resolve this, and if I'm successful may have my money in 90 days. 

The most galling part? There's no way I can take action against US Bank. I can yell at the customer service person, but this doesn't do anything but make me feel like an XXXX. US Bank has completely insulated themselves from these complaints, which means they have zero incentive to fix these problems. So I'm whining to you, but this is just to make me feel like I've done something to move this rotten system in the right direction.
Consumer complaint received 2019-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a disputed through XXXX and Transunion and about hard inquires. Somebody tried to receive a vehicle in my name and also more inquires in there Idont recognize. credit inquiries on my credit file and they want take it off. I was a victim of fraud credit inquiry problem. My name is XXXX XXXX my date of birth is XXXX And my social XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (UT)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

Early in  XXXX  there was some missed payments. During repeated contacts with  XXXX   XXXX  I could never obtain a 'straight ' answer as to what was delinquent or how much was due.  One pay ment (  XXXX / XXXX / XXXX  {$900.00} ACH  Tel S ingle Mtg Pmt ) seemed to never have been credited.     During late  XXXX  and early  XXXX  I had difficulty in obtaining any helpful information as to the justification for the amount claimed to be due.     However, On or about  XXXX   XXXX ,  XXXX  I spoke with an  Ocwen re presentative who was most helpful in explaining the amount due and what would have to be done to bring all payments up to date. He explained how the amount due was arrived at and gave me an amount that had to be paid by overnight mail by  XXXX   XXXX ,  XXXX . The amount was {$3500.00}. The address he instructed me to mail the check to was  Oc  wen Loan Servicing, LLC ,,  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX    XXXX ,  XXXX  TX  XXXX . During the explanation the agent asked I would like to refinance or pay reduced amounts. I declined both offers. ( Anytime this subject came up with other agents of  Ocwen I firmly d eclined the offers. They say they record conversations, so my claim should be easily provable. ) ( As an aside, The  XXXX  Texas address used was the only time I had ever heard of  XXXX  as a communication site for Ocwen. All other communications had been made through their   XXXX   XXXX   XXXX   XXXX  Fl, address ) I mailed the paymenet along with account information to the  XXXX  address via  USPS ov ernight. The tracking sheet shows delivery on  XXXX   XXXX ,  XXXX  at  XXXX  and signed for by  XXXX   XXXX   XXXX  It took approximately 5 weeks for the check to be cashed.     Subsequent to the receipt of my check by  Ocwen a t their  XXXX  location I kept receiving delinquency notices from Ocwen : i.e.  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  and lastly on  XXXX   XXXX ,  XXXX  ( with a different payment amount due (  XXXX  ) with no explanation.     This has been very frustrating in dealing with this company. Subsequent to payment of {$3500.00} payments have been in full and on time.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have inquiries on my credit report that I am unaware of. I tried to resolve the issue with the creditors but there was no resolution. 

XXXX XXXX ( 3 ) attempts XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( 2 ) attempts XX/XX/XXXX ( 1 ) attempt XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-11-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Movement Mortgage LLC (NY)

When I applied for my first time homebuyer program I was shopping around. Movement Mortgage told me they would like to try to match the rate I was being offered by XXXX XXXX. The rate was XXXX XXXX. Movement advised that if I paid roughly {$600.00} I could get the 6.5 %. I agreed to pay that. My initial XXXX XXXX showed XXXX XXXX ; however, I noticed the rate wasnt locked. I called my mortgage rep and was told that Movement was watching the rates as they expected them to drop but that I would absolutely get the XXXX XXXX A week later I had not heard anything and again advised that I wanted the rate locked to ensure it would not rise above the XXXX XXXX. I was again told not to worry as I would be getting that rate. On XX/XX/XXXX I received a call from my mortgage rep stating that the rates had gone up and my rate would now be XXXX XXXX and that she needed to lock me in immediately. I was very upset. I reminded her I was promised that I would get the XXXX  and twice asked that my rate be locked and was told not to worry. I again asked why my rate wasnt locked when I had twice previously requested it. She said Movement was watching the rates so they wouldnt have as much of a cost. She apologized and said that if I wanted to pay {$3400.00} then Movement could get my rate back down to 6.5 %. I was within XXXX weeks of my closing, which occurred on XX/XX/XXXX. I had no way to negotiate or fight with them over this because it would have delayed my closing and I wouldve lost the house and my XXXX money deposit of {$3000.00} because there was already a signed Purchase and Sale. The rate lock was also set to expire and it couldve went even higher than the XXXX XXXX I was completely pressured to lock in at the higher rate. They waived the fee to be at the rate that I closed at but it was not the rate I was repeatedly promised and that was initially disclosed. I feel this was a complete bait and switch and completely abusive and deceptive. I repeatedly asked for my rate to be locked. They skirted around it every time telling me they were watching rates but that I would absolutely get the XXXX XXXX. When I received the call on XX/XX/XXXX the mortgage rep also told me she had to call several other clients about the same issue so Im sure others had unexpected rate hikes. This company needs to be investigated.