davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
Product: Credit card or prepaid 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: DISCOVER BANK (TX)

On XX/XX/XXXX, XXXX XXXX states they delivered the XXXX XXXX XXXX I purchased. I get home and there's no package there, it was stolen. I submitted a dispute through my Discover credit card and also submitted a previous CFPB complaint. Discover initially approved my claim, then rejected it stating that since the item was confirmed as delivered ( EVEN WITHOUT A REQUIRED SIGNATURE ), and it was stolen from my porch before I got home.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (GA)

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 XXXX XXXX  has violated my rights. Or list of inquiries 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 2018-10-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE (OR)

My loan is NOT paid off. Huntington Bank is holding my title. I moved to Oregon, and contacted them on XX/XX/2018 and spoke to XXXX.. asked, per Oregon DMV , to have the title sent to them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX so I can tag and title my vehicle within 30 days, as required by law and my insurance company. I was also asked for my new mailing address, which i gave. I was told it normally takes 2-3, but I rush would be requested and it should arrive within 10 business days. On XX/XX/XXXX, received a call from XXXX, supervisor, stating they were unable to send my title to DMV,  because they didn't have my updated address. It was given again, was told tithe would be mailed on XX/XX/XXXX. By XX/XX/XXXX, title was still not received. I've called 4 times since, with broken promises of callbacks, and nothing. Told the title department isn't responding to emails. I've asked for email address, told was for internal use only. No direct line to call. Now, I'm 31 days. ... over a dozen calls, hours on hold and no title to be able to legally tag or insure my car. I've never been late on a payment. Feeling helpless ... worse customer service ever!
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

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 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 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 2022-12-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC (NC)

we started the modification process in XX/XX/XXXX with Primelending they repeated sent or modification packet to an unknown address about 20 times even after we stated hundreds of time we didnt know that address They entered in our payment amount wrong on our first trial payment They never mailed us our modification finalized paperwork ( still mailing to wrong location ) The representatives were the only people we could talk with to know what our payment amount would be after trial period, bc we didnt have the finalized paperwork They said it was finished in XXXX of XXXX, but it wasnt finialized until XXXX, and therefore we were short in our escrow, due to the amounts we were told to pay, They we were told told to pay a new amount which was significantly higher than our pre modification amount, due to the lengthly time it took them to complete it They we were told a new amount still very high We wrote them repeatedly ( only allow you to communicate through regular mail ) and they did an investigation and admitted errors on their end, multiple ones but did not compensate us we have not missed a payment but because of the lag in their abilities, wrong amounts told to pay, they are saying we are behind a month, even though we havent missed a payment We have reached out to every senior supervisor, and they dont speak to us directly but us someone under them to do their work They gave us false fax numbers, XXXX admitted giving us a " friends '' fax because their company 's fax numbers are disabled ( representative 's words ) This has been a 2 year battle of errors, false information and guidance Primelending a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2017-09-20
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: Experian Information Solutions Inc. (AR)

I have contacted Experian several times to dispute these inquiries and I have received multiple answers to throw me off. The following inquiries were made without my granted consent : XXXX XXXX/XXXX  XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX
Consumer complaint received 2023-04-24
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. (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 2022-12-07
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

When I banked with Wells Fargo from XXXX, I received several overdraft fees amounting over {$200.00}, despite having a student banking account. Some fees were even added despite me covering the overdraft within 3 hours or less.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NJ)

My credit report contains multiple accounts that are both inaccurate and fraudulent, as per 15 U.S CODE 1681b. No valid reason existed for anyone to access my credit report, and I never authorized the sharing of my personal information or consumer report with any party. These items are undoubtedly fraudulent. My personal information and consumer report were acquired without my consent and have been utilized to harm my credit report by introducing inaccuracies. These inaccuracies have severely damaged my credit, making it impossible for me to obtain favorable credit terms. I kindly request the removal of incorrect addresses, accounts, and hard inquiries. Your assistance in this matter is greatly appreciated.
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$15000.00}
Consumer complaint received 2022-12-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I hired an attorney, XXXX XXXX, to help me take care of the foreclosure in court & to dispute the mortgage. When the court date came, I was unaware of it because he never stayed on top of it and I lost my house as a result of not showing up by default. Wells Fargo was the bank processing the foreclosure at the time.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid 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. (TN)

This is my 2nd time filing a customer service issue related to Chase in the past month, I stated in the last one which is still technically open that this is unacceptable that Chase is treating me this way. 

Today I called in at XXXX XXXX EST to open a dispute about a past purchase and I was greeted with nothing but hostility, unprofessionalism, and your representatives giving me the silent treatment and unwillingness to help. The first rep was immediately combative to me and refused to help. When I asked for a supervisor transfer the rep had to make sure that she got the last word in which is EXTREMELY unprofessional! Then the 2nd rep in the end gave me the silent treatment like a disrespectful human. All I called in asking was to open a dispute against XXXX for a XXXX purchase for {$1100.00} as I'm well within their warranty period and they refuse to help me. Before she gave me the silent treatment she stated I should use the purchase protection which I opted to say that I had issues with given how unorganized they were with my last claim and I had to get Chase to intervene. 

I don't want the garbage product from XXXX and they're refusing to talk to me, my only recourse is through Chase for consumer protection.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Someone call me from chase and said my account was being frauded and that I had to XXXX XXXX to my own number so it can create an error code and with that they can be able to stop the people who were trying to access my account and that the money will not leave my account since Im sending it to my self and when I did the money left to someone else account at a XXXX bank so when I seen the money leave they said I will get it the next day which I never did so when I called chase they informed me it wasnt them and I was fraud victim but that they will investigate and see if they can recover my XXXX this was in XXXX and still not resolved
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I had a fradulent charge to my huntington Debit card on XX/XX/17, have called them and filled out and sent in all documentation to show the purchase of {$750.00} dollars was made against my knowledge and the bank still will not return my money, they gave me a temporary credit which they say they are now revoking, even though I sent all of my dispute information to them several times. Awful treatment by a company i have banked with for 20 years.
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (WA)

I submitted an FTC report and XXXX letter to Equifax on XX/XX/XXXX requesting to remove the following inquiry : - Bank Name : XXXX XXXX XXXX XXXX - Date of inquiry : XXXX It was received on XX/XX/XXXX. They told me to file another report with the name of the bank that removed the inquiry. This information is already in my FTC report submitted online. It is also included in my XXXX letter, attached. The inquiries listed in the FTC report are not included in the printout at the end under any circumstance because there is not a field for it. They refused to remove them for this reason, which doesn't make any sense.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (PA)

I have Five Fruad Accounts on my credit report and Two inquiries. 
1. XXXX XXXX XXXX {$1000.00} 2. XXXX  XXXX XXXX {$210.00} 3. XXXX XXXX XXXX {$760.00} 4. XXXX XXXX XXXX XXXX {$750.00} 5. XXXX XXXX XXXX XXXX {$2400.00} Inquiries 1. XXXX 2. XXXX XXXX XXXX
Consumer complaint received 2022-12-23
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: Experian Information Solutions Inc. (TX)

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX .... Account Name : 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 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One XXXX XXXX Checking complaint All our family has been a faithful customer of Capital One for over 20 years. Without any notice or explanation they simply closed our checking, savings and credit cards even when we always paid on time. 

Capital One is refusing to tell us why they closed our accounts. This placed a hardship on our family because many bills were being paid with the credit cards. My daughter was stuck in Collage without any means to pay for food or anything else until days later we mailed her another CC from a different bank. My wife could not pay for anything at the grocery store in total embarrassment to her in front of the store clerk and other customers. Many bills bounced all of a sudden and we did not know why since Capital One never bothered to give us notice or explain the closures. 

We always paid on time and never did anything illegal. Capital One did not allow us to explain anything since without notice they closed all accounts and are refusing terminally to tell us why. 

I know Capital One has been sued for the exact same reasons in cause no XXXX XXXX XXXX XXXX XXXX XXXX XXXX : on behalf of himself and all others : similarly situated, : : Plaintiff, : : Civil Action File No. 
v. : : ___________________ CAPITAL ONE BANK ( USA ), N.A., a : National Banking Association, and even when they lost this class action lawsuit they continue doing the same wrongful actions against their customers.

I want a full explanation and a reconstitution of all our accounts and CCs plus an apology.
Consumer complaint received 2020-10-01
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: Experian Information Solutions Inc. (NY)

Date : XX/XX/19 Amount : {$1200.00} Action Taken : I asked the credit bureau to remove this account because the creditor does not own the account anymore. It states it was transferred and purchased by another lender.
Consumer complaint received 2023-06-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (GA)

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. 
I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : # XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDER-AL REPORTING COMPLIANCE, such as XXXX XXXX and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethi-cal resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, in-complete, or else wise not compliant item reported that is hereby now being challenged in writ com-position. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ;