davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP (IL)

XXXX from us bank in XXXX called to see if I wanted a credit card. I applied and she said she would get back with me the next day. I tried to reach her multiple time within the week with no call back or answer. I was sent a text message to verify my identity. Since I had a fraud alert on my account, I was told I had to take my drivers license to a nearby branch for verification. When I went to the branch, they told me the only branch that can verify your identity is the branch that applied for the card. After the car was applied for the branch manager called me to have the car sent to my mailing address which I gave her. My current mailing address, repeated it and told me that it is changed in the system. I found out that the card was not sent to my current address, but to my previous address after, specifically having a conversation and verifying the current address with the bank manager. This bank is very unprofessional. XXXX and the branch manager allowed my information to be subjected to fraud and possibly identity theft due to their negligence of not putting the correct address after I verbally stated with the branch manager twice and she repeated the address back to me and still sent the credit card to the wrong address.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-06-15
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 2024-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (OH)

On XXXX, XXXX, I looked at my bank account and noticed a random charge I never made from a website called XXXX, which is a womens clothing company based out of the XXXX. I disputed the charge with my bank. I am a XXXX  with a husband and a step son. No women in my household that I purchase clothing for. If I buy anything for a woman, its a gift card so they can pick what theyd like. Ive reached out to XXXX customer service, and I can not complete a call, itll hang up before I speak to anyone and I make sure to call during their business hours as I would like to know what was ordered. They gave me dates from XXXX as to when the item was ordered, and other information leading to the item being delivered with my address on it. I filed this dispute on XXXX, and they said the item was delivered on XXXX, which it never was as I have cameras around my house, but they only store the last 10 days so I do not have the footage anymore. My dispute claim is XXXX. 
My bank, Netspend SkylightOne has denied my dispute after 4 months. I have reached out to them asking to speak to a manager about reopening this dispute, or resolving this. They just tell me to review the information sent to me and they can not reopen it as they settled the dispute on their end. Ive had multiple co workers tell me their accounts got hacked and entire bank account drained. My money does not feel safe with this bank if this is their idea of security.
Consumer complaint received 2023-02-02
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. (WV)

There are numerous inquiries that were not me. 
They are attached to this complaint and I have placed an x beside each one that is unauthorized. I have never even heard of most of these placesz
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (GA)

Chase sent an email offering a credit line increase pre-approved with no credit check. When I followed the link to the offer the same day it said the offer was no longer available. I sent a message using their secure messaging site and was told there was an issue they were working to resolve and to try again later. I tried again later with the same result and in the meantime received a letter in the mail with the same offer. I called to speak with the customer support team and they told me they didn't have an XXXX for when the issue would be resolved but it would be a few days. I sent them a message again a week later and was told that the offer was no longer available, though both communications I received stated the offer expired on XX/XX/30. I replied explaining that they'd made an offer and had not abided by it and they said since there was no further action to take they would not be responding to additional requests. 

So Chase made an offer via email as well as postal mail and then failed to deliver what was offered.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION (TX)

I opened a business account with my certification of formation along with my tax id both new and never used before. Some kind of early warning came up during account opening the branch manager came over assured me everything would be fine with the account then i get a call saying the account would closed on the XXXX of XXXX by the branch manager. The account is still open i cant access my funds the branch manager and other associates have been very rude and u helpful. I called customer service and they stated this was a branch level hold and the branch made the decision to close the account. My electricity has been off for days because they are holding on to cash i put in the account open it deposits have been returned and no one will answer my calls or help me the account is still open still allows me to sign in online they even sent me a debit card that i was able to activate but the branch manager has some kind of hold on cash that i put in the account the account was opened on XX/XX/2024 it is now the XXXX
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

We believe we are entitled to a refund due to being overcharged through the improper interest rate, starting on XX/XX/XXXX. In the Rate Improvement Addendum to the Note our original interest rate of 5.5 % had an automatic reduction to 5.125 % interest rate starting on XX/XX/XXXX. We believe all the conditions to the rate reduction have been met, and automatic reduction should have started on XX/XX/XXXX. 

By our calculations, we overpaid on our mortgage by {$1100.00}. We hope they can re-calculate the amount we are owed from XX/XX/XXXX when our rate was not automatically dropped from 5.5 % to 5.125 %, make the necessary adjustment, and process the refund. 

Our total loan payoff amount as of XX/XX/XXXX is {$1100.00} and we would like to reconcile the account with the amount owed to us ( {$1100.00} ). 

We made several attempts ( 4 ) to mitigate the issue through NewRez customer service phone number, making the request to review the mortgage contract, notes and addendum and look into the issue of Automatic Rate Reduction not being processed. After following up on our complaint and a request for review of the automatic date drop with their research department we made on XX/XX/XXXX ( request was made with XXXX XXXX ) ; we were told that someone in their customer service made a mistake when filing the request. We made another request for the review and a complaint on XX/XX/XXXX ( with XXXX and her supervisor XXXX XXXX who now expedited our request. When I followed up on XX/XX/XXXX ( XXXX XXXX ) I was told, again, that the customer service made a mistake when filing the request. At this point we made the request again for the research department to check on the mistake, and filed a complaint. 

After failed attempts to get resolution through customer service phone number, we decided to send a qualified written notice of error to NewRez. We sent this letter by certified mail on XXXX.
Consumer complaint received 2024-04-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (MD)

I have a Certificate of Deposit with Marcus by Goldman Sachs that matured on XX/XX/2024. I had established instructions for them to transfer the amount when closing to an account on XXXX XXXX XXXX XXXX XXXX. I was able to establish the external account access within the Marcus platform. The money was never transferred according to my instructions, nor was I notified that it had not been transferred according to my established instructions. I submitted a complaint about this to CFPB on XX/XX/2024, and the company has yet to respond. 

On XX/XX/XXXX, Goldman Sachs and I had a three-way call with a representative of XXXX XXXX XXXX XXXX XXXX to confirm that the receiving account was indeed mine. Goldman Sachs was able to confirm that and then claimed the money would be transferred. As of today, XX/XX/XXXX, the money has yet to be transferred to that account. I reached out to a Goldman Sachs agent online sometime around XX/XX/XXXX, and they told me that once more I would have to call and repeat the process already done on XX/XX/XXXX. 

Once more this company has failed to follow my instructions for withdrawal and they are holding onto and continuing to profit from about {$11000.00} of my money.
Consumer complaint received 2023-07-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp. (NJ)

ABSOLUTE RESOLUTION INV ACCOUNT XXXX UNKNOWN COMPANY OR DEBT APPEARED ON MY CONSUMER REPORT XX/XX/2019. IT SHOULD BE NOTED THAT THE NATION WAS IN PUBLIC HEALTH OUTBREAK-COVID 19, THEREFOR NO DUE PROCESS NEVER TOOK PLACE TO HAVE DEBT VALIDATED, THIS DEBT IS NOT A VALID DEBT. ALSO, IT WAS PLACED ON MY CONSUMER REPORT WITHOUT MY CONSENT WHICH IS AGAINT THE FCRA.
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC (CA)

The " debt collection company '' in question is FCR Services. They emailed and robocalled me the morning of XX/XX/23 claiming I owe {$160.00} to a childrens trampoline activity center called XXXX. The phone number they called from is XXXX. I have indeed visited the center with my child 1 or 2 times, but its not a place you can accrue debt. You pay, your child plays, the end. Perhaps FCR Services hacked XXXX to gain contact information or purchased information from a hacker. But XXXX has never contacted me about a debt, because the debt does not exist. Stop allowing criminals to operate as businesses. This is domestic terrorism.
Consumer complaint received 2023-03-05
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX Ct. XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/XXXX Dear XXXX, I, XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. 



1. XXXX Inquiry date XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 3.XXXX  Inquiry date XX/XX/XXXX 4.XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX 5 . XXXX XXXX XXXX Inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 7. XXXX XXXX Inquiry date XX/XX/XXXX 8. XXXX XXXX Inquiry date XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 10. XXXX XXXX Inquiry date XX/XX/XXXX I am disputing these claims due to : I have no knowledge of these inquiries. These inquiries are Fraudulent and I am requesting that they be removed immediately. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Consumer complaint received 2024-04-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (TX)

I ran a credit report on myself and found a loan with goodleap for XXXX that I did not agree to in any shape or form. I have had no contact with Goodleap prior to seeing this loan on my credit today. Please help get this removed.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (SC)

Citi closed my account- they claim I deposited checks by mobile deposit, I didnt. They took the money for the checks they claim I deposited, I have a balance in the positive for over {$500.00} and they are refusing to release my funds. 
They never contacted me when this incident supposedly happened. Im not a millionaire- I am a hard working person that lives paycheck to paycheck. Ive eaten every bit of food in my house, the last of which was Sunday night. Today is Wednesday and I am so hungry- I dont know how I am going to work the rest of the week if I cant eat. I have bills that need to be paid- all I want is the money that is in my account- I dont owe them any money, I dont have checks written ( never have ), I havent been able to use my debit card in over 12 days- so no slow transaction that might be slow to go through. 

I am not asking for anything other than my money. They wont give me a reason as to why my funds wont be returned. 
Can banks just hold onto anyones money like this? It seems very unlikely that laws would allow banks to just ruin people in this manner. I think
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Card number XXXX and XXXX and XXXX. 

All three accounts opened, two used daily and the third never able to use, and to this day I still have no resolution, so I requested a refund and closure of all accounts. Back in XX/XX/XXXX, I was surprised to find out that my card ending in XXXX was restricted due to additional information needed to verify my accountwhich I provided. They opened the business account ending in XXXX, sent me welcome letters, pin verification, then all of a sudden they restricted all my cards! Upon contacting Capital One, they gave me the run around stated the could not verify the account was tied to me personally. After several documents sent, bank statements sent, calls, hours wasted and monthly phone conversations with different members and no resolution, I explained to them to close all my accounts. Their response was they were protecting me as a consumer when I have provided all documentation, in addition to several prior years as a customer. 

Im very upset about the credit balances not being refunded on my accounts due to overpayment, which I am due, only to see they added a line adjustment XXXX  out my accounts back in XX/XX/XXXX, and never issuing me a refund. The accounts are still shown on my account as restricted which I should have never had this status, not to mention a great deal of inconveniences with my monthly purchases. This was very unprofessional, uncalled for and unethical.
Consumer complaint received 2022-11-29
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. (GA)

In accordance with the Fair Credit Reporting Act, this list of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. With 15 U.S.C. 1681 Section 602 A saying I have the right to privacy. 

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 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc (KS)

AFFIRM corp that helps with lay away type loans. They keep telling me that I don't have any open accounts with them and won't accept my social security number to look up said accounts. XXXX credit bureau says otherwise. When I filed the dispute, it took a couple of weeks for them to report back to me that the information was accurate. It is clearly NOT the case. AFFIRM DOES NOT HAVE a fraud department. Neither company will tell me the full account number nor go into any detail as to how to rectify this problem.
Consumer complaint received 2022-11-29
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. (IL)

I have recently pulled up my report and noticed there hard inquires that I never authorized. I been receiving phone calls from different banks and I realized something going wrong. 
I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
Please note, I'm not using any third party for this matter. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
Here are these hard inquires, that I have never authorized : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX I never authorized these inquires, they are result of fraud.
Consumer complaint received 2021-03-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (CT)

Ally financial did not apply two payments despite having accepted the money to my account for my car and on XX/XX/XXXX at XXXX they repossessed my car. They claim my account is 80 days past due when it is not as both the XXXX and XXXX payments were made. Now they are refusing to admit their error and not returning my vehicle.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Checkr, Inc (CA)

I've submitted my background check on XXXX still says pending also I've submitted my background check on XXXX XXXX same company went through right away XXXX XXXX account says pending this is hog wash the same company access the same info no need too be pending.
Consumer complaint received 2024-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (IL)

I filed a complaint against Mr. Cooper for making false statements at a Summary Judgement Hearing claiming XXXX XXXX  as Trustee for the XXXX Trust series owns my mortgage and note. Compliant number XXXX. I provided proof from XXXX XXXX  in a written statement that they don't own my mortgage and have no record of me and that the trust has not existed since XXXX, which mean my payments never went to XXXX XXXX  for them to claim a default. The modification they rely on also does not list XXXX XXXX, or trust. I asked for proof and their response on XX/XX/XXXX was another smoke and mirrors game. They did not provide any evidence form XXXX XXXX, or the trust via, corporate statement from XXXX XXXX, or trust, or proof my payments were sent to them after they received them from me. Their response was just a generic statement " We can confirm that XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as Trustee for the Certificate Holder of XXXX XXXX, Mortgage Loan Asset Backed Certificates, Series XXXX is the owner of the above referenced loan. '' They refuse to show proof that XXXX XXXX  signed the Modification and they recieved my payments.