davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (TX)

I applied for a equity loan from Navy Federal Credit Union of {$20.00} XXXX dollars on XXXX XX/XX/2023 with my home having over {$240.00} XXXX dollars of equity, but I was denied of the {$20.00} XXXX dollar equity loan, I really feel Navy Federal Credit Union use misleading loan tactics to disapprove XXXX  Americans equity loans. Im really disappointed with Navy Federal Credit Union and I have been a real loyal customer for a long time I really feel violated and discriminated against because of the XXXX  of my skin!!
Consumer complaint received 2018-01-31
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. (NE)

XXXX XXXX XXXX has continued to provide false information on my credit files. Trans Union and XXXX have not corrected this inaccurate information, nor have they truly verified. The creditor was allowed to lie. 

On my Transunion Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and a 30 days past due for XX/XX/XXXX. 

Then on the Experian Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and 30 days late for XX/XX/XXXX. 

I have provided PROOF of PAYMENT, TRACKING AND STATEMENT/LETTERS from XXXX indicating that I was NOT LATE. This has been and ongoing issue with clear violations by XXXX and continued by Trans Union and XXXX. 

I have kept the records of previous disputes and receipts of mailing and receipts of information not being updated correctly. 

I have initiated multiple disputes to fix this. The last dispute I provided the following : Credit reports listing false late payments and corresponding disputes XXXX letter dated XX/XX/XXXX responding to my payment dispute and request for correction XXXX letter dated XX/XX/XXXX verifying acknowledgement of timely XX/XX/XXXX payment received on XX/XX/XXXX with overage applied to principal Copy of Payment sent ( MO XXXX ) and USPS TRACKING # XXXX XXXX XX/XX/XXXX statement for XX/XX/XXXX statement indicating current status Payments for secured funds in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX payment tracking
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NE)

This is a blanket complaint that I think will affect many consumers. 
XX/XX/2023. I'm trying to access my Chase Visa account online, as I do every month ; When I tried to log in to my online account today, I was told that the company had updated its disclosers and agreements and that " If you don't accept them, you won't be able to see or manage your accounts online. '' The first agreement was 125 pages. 125 pages!! Who XXXX XXXXXXXX has time to read that when all they want to do is check that a refund posted to their credit card?? 

The second agreement was 10 pages. 

This XXXX XXXXXXXX, designed to XXXX the consumer by hijacking their account from basic access until they agree to whatever terms the company randomly decided on. I don't have time to read XXXX total pages of agreements written in legalese - when all I want to do is have valid access to my account in the manner I ALWAYS access my account to check on the status of a refund. 

I get that terms get updated -- but forcing people to agree to something they do NOT have time to read? XXXX XXXX XXXX 

I submitted a complaint online, but do not have several hours to waste trying to explain this problem to a account rep who will just transfer me to several other people while they try to " figure out '' my problem. My problem is this is just WRONG -- and you are holding my account information hostage from me -- it's MY ACCOUNT. All I want to do it check a refund. But I can't see anything because of this.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America did not resolve this problem and eventually I contacted your department and an advisor called XXXX XXXX was allocated to my case. 
Bank of America sent me a cheque for my money. Unfortunately my middle name is spelt incorrectly and my bank in XXXX would not accept the cheque as the name is not spelt correctly. There's no XXXX  in my middle name. 
I tried contacting XXXX and left messages on her voice mail but I have not heatd from her. I tried contacting bank of America but has been unsuccessful. My phone bill incurred is over XXXX. 
Please can you help. I need a cheque with my correct name. Bank of America employee makes mistakes and the customer is suffering the consequences for lack of integrity.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX reported my payment late in XXXX 0f 2023. I ask them to show proof i was late and they didnt respond. Dates of last payment are inaccurate.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I had a previous checking account that was the victim of fraud. My did not return all of the fraudulent charges and did let me immediately close the account. The account had a negative balance due to fraudulent charges. I opened a new account with this bank now known as Truist. A deposit incorrectly went into the old account instead of the new account as I had directed. The deposit was for {$530.00} and was totally consumed by the fraudulent charges. The bank refused to correct this. Evan after the {$530.00} the old account remained {$650.00} negative. The account ending in XXXX was finally closed with that negative balance. Now near years later Truist took the {$650.00} out of my account with no notice. I am recovering from XXXX XXXX and need these funds for medical care.
Consumer complaint received 2024-07-12
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: CITIBANK, N.A. (FL)

Citi provided me with a denial letter for their XXXX XXXX XXXXXXXX ; however, I did not submit the application. The letter is dated XX/XX/year>. I did not find this fraudulent application until recently because the letter was mailed to an old address. I saw on my credit report Citi conducted a hard pull on XX/XX/year>. 

I called four phone numbers, as I was consistently being told I did not have the right department : XXXX XXXX XXXX XXXX The individual who answered the call kept trying to cancel my existing card. I was trying to explain a credit card application was submitted under my maiden name fraudulently and I need to dispute this. I provided the information on the letter, including the Application ID Number. After, he disconnected the call without confirming the dispute details. He never confirmed any details.
Consumer complaint received 2024-07-11
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I would like to address the reported late payments on my Nissan-Infiniti account. Due to a payment processing error, my XXXX of XXXX payment was not auto-drafted as scheduled. Unaware of this issue, I continued making my payments on time each month ( even sometimes early as evidenced in the report ). However, the loan department misapplied each payment to the previous month, causing my account to appear delinquent. I was only made aware of this error upon reviewing my credit report and contacting the lender for clarification. You will even notice discrepancies in the reporting on my credit profile as some months were not reported at all. I contacted Infiniti and they acknowledged the error but were unwilling to correct the report. I have always made my payments on time as agreed. Finally the last payment in XXXX of XXXX was not even my responsibility. I traded this vehicle in for a XXXX through XXXX XXXX in XXXX of XXXX. The dealership requested information for the payoff from nissaan several times but the issue was not resolved in a timely manner and this reflected on my credit report even though I had sold/traded in this vehicle at this time.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: VW Credit, Inc (AZ)

My credit report from XXXX and XXXX is not showing my credit accounts at all so every time I try to get to them they shift the blame to creditors and when I contact the creditors they send me back to credit bureau
Consumer complaint received 2024-06-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV INC. (LA)

I tried to cancel XXXX XXXX several times thru the bank. Each time they gave me another phone # to call & each time I was rerouted several times & on hold for multiple hours. 
I closed my business account & thought this would close the merchant services. 
I received a collection letter for {$170.00}. It was {$27.00} for XXXX XXXX XXXX  {$150.00} for the collection company. 
I never used their service.
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NEW YORK COMMUNITY BANCORP INC (VA)

On XX/XX/year> a certified bank check was overnighted to FlagStar Bank for a loan / boat payoff of {$53000.00}. They signed and received the check on XX/XX/year> from XXXX. I called Flagstar on XX/XX/year> to confirm that they applied to the check to my loan and it was paid in full. It is now XX/XX/year>, they lost the check which will take 90 days to be reissued, have transferred my loan to a new bank ( XXXX XXXX ), and Im now getting calls for monthly payments. 

Now my credit is in jeopardy if I dont make a payment on an account I shouldnt even have.
Consumer complaint received 2024-06-25
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: JPMORGAN CHASE & CO. (PA)

My Credit report is showing hard inquires on Credit card applications that I never applied for. 
JPMCB CARD SERVICES on XX/XX/year> JCMCB CARD SERVICES on XX/XX/year> JCMCB CARD SERVICES on XX/XX/year> JCMCB CARD SERVICES on XX/XX/year> XXXX CARD SERVICES on XX/XX/year> I spoke to Chase multiple times on this they informed me that they would take care of it. All i get is a letter stating that I have been denied credit card.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (IL)

Synchrony bank called my husband who is not an authorized user and disclosed personal information including payment history, balances and even the fact that Illinois is not a spouse state and that she shouldnt be talking to him without my permission. 

I am very upset that she disclosed my personal information to my spouse without my consent.
Consumer complaint received 2024-06-24
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 (GA)

XXXX XXXX  {$430.00} and XXXX XXXX  XXXX {$560.00} Original creditor XXXX  It seems like they are selling this from one collection company to another. I never had an account with XXXX  XXXX XXXX or XXXX.
Consumer complaint received 2024-06-22
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: AMERICAN EXPRESS COMPANY (MD)

I booked a XXXX ( XXXX XXXX 2024 ) stay at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through American Express XXXXXXXX XXXX XXXX XXXX On the day of departure, I got a message from the airlines ( XXXX ) that my flight had been cancelled and was told that they could book me on a flight the following day ( XX/XX/XXXX ). I immediately reached out to American Express XXXX XXXX  and asked them to reach out to the hotel to ask if I could check in a day later and was told that the hotel would not allow me to check in a day later. As a result, I had to cancel my trip. I reached out to the both American Express and the hotel to request a refund for the {$2200.00} I paid for the XXXX XXXX. The hotel indicated that I would have to request a refund from American Express XXXX XXXX XXXX because they were the third party who received the funds for the hotel stay. When I reached out to American Express XXXX XXXX to request a refund, I was told that they did an investigation and that they are not able to refund me because no refunds were permitted after XX/XX/XXXX. I booked my hotel using American Express XXXX XXXX to have a level of assurance that I thought American Express offered to its XXXX cardholders. At the end of the day, American Express lost nothing in this transaction and I am out of {$2200.00}.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a Bank of America checking account from XXXX and I had instances when they would charge me numerous overdraft fees for purchases made over a weekend, especially holiday weekends because my paycheck would be deposited on Friday after the bank had closed and the deposit would not be considered as received until they reopened and all of the debits were first taken from the predeposit amount. They also subtracted the debits in an order from largest amount to smallest amount so that they could overdraft as many as possible, so I would see XXXX or XXXX overdraft fees for purchases made after Friday when my paycheck was deposited. I argued about this with them when it happened because it was occurring frequently and they were deducting hundreds of dollars every time I got paid in overdrafts causing me to become financially stressed and unable to keep up with timely payments on my bills. I can not give you specific dates because its been a while ago, but between XXXX when I lived in XXXX, AZ. 

Additionally, they sold me credit card protection but when I contacted them after losing my job and before I had missed a payment or even been late, they told me it was too soon to notify them and that I had to be XXXX  days late on a payment. When I was XXXX  days late, they froze my credit card, and so I paid it off as quickly as I could and then they closed it and refused to issue me another saying I was to high a credit risk to open another credit account.
Consumer complaint received 2024-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

I applied for a mortgage modification after a XXXX caused me to fall behind on my mortgage and I lost my job. Carrington Mortgage will not work with us to modify my loan.Has made me repeatedly send mortgage modifications applications in several times. Im still waiting for ssdi to approve or deny my claim but receive LTD from insurance I paid for. My monthly income is about {$4600.00} a month and they say my only option is something I tried to do over a year ago. Short-sale. It has taken 50 days to get an answer to my loan modification application, and it still hasnt been sent by mail. Ive been verbally notified and after calling and asking, I was emailed a copy of a letter never sent.
Consumer complaint received 2024-06-21
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: TRUIST FINANCIAL CORPORATION (FL)

I have a truist business credit card which I applied for back in XX/XX/year> and was granted with a XXXX credit limit to my knowledge it shows on the XXXX website an offer of 0 % apr for 12 months so I thought perfect 12 months no interest after 12 months the card will start to accumulate interest. 

Not even 8 months after having the card the card started charging me interest back to back I called customer service representatives I sent emails and unresponsive back to back. I want the offer that I was given to be granted, that is all I'm seeking in writing this.
Consumer complaint received 2024-06-21
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. (CA)

I notified Transunion that the collection account on my credit report does not belong to me. I contacted the collection reporting company on my file and was told that I do not have a collection account with them. Transunion did not do an accurate job verifying my information because they would see that my name, address and social security number does not match with the collection account. I am unable to get any written information from the collection company because the account does not belong to me.
Consumer complaint received 2023-04-26
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)

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 belongs 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 items : XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$330.00} ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I tried to contact XXXX a few times within the last few weeks to speak with them regarding hard inquiries on my report. I have also sent in dispute letters disputing these hard inquiries and I have not heard any reply back from the company and the items remain on my credit report. 

Please delete these from my account 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 2023-11-09
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. (TX)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

on or about XXXX the complainant opening a checking account with capital one, at sometime in the month of XXXX XXXX XXXX  an unauthorized and/or incorrect charge of nearly {$2000.00} dollars was billed to the complainants account by XXXX XXXX XXXXXXXX XXXX XXXX the complainant filed a complaint or/and grievance with capital one in regards to the unauthorized charge. capital one failed to do a proper investigation into the charge in accord with the FCRA and other new york consumer protection laws.