davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: CITIBANK, N.A. (NY)

In XX/XX/XXXX, we initially wanted to take out a mortgage between $ XXXX. We communicated this to XXXX XXXX, the mortgage lender, who advised us to apply for the largest amount of money that we would possibly need and then provide citibank with a finalized loan amount XXXX week prior to closing. When the time came to provide this new amount, XXXX alerted us that the terms that we had locked in would not apply if we dipped below the jumbo loan minimum ( {>= $1,000,000} ). This was the first time we had learned of this citibank policy. To save our rate, we requested to borrow only {>= $1,000,000} on XX/XX/XXXX. On XX/XX/XXXX, we received an email from XXXX XXXX, another mortgage broke, on behalf of XXXX XXXX to let us know that changing the loan amount would trigger a 10 day freeze on the account which would put us past our initial closing date of XX/XX/XXXX. Given this information, we were forced to take out a loan for {>= $1,000,000} which is about {$800000.00} more than we need. 

The problems continued from there including but not limited to XXXX repeatedly asking for information that we had provided previously, delays in receiving the required paperwork to close as scheduled which resulted in two last minute cancelled closings, multiple days taken off work for me and my husband or the above mentioned closings that did not take place. With the lack of an approved mortgage and the jeopardy of losing our house, we started mobilizing cash assets at a cost as well.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

The credit collection agency put this alleged account on the credit bureau files BEFORE they gave me notice about the alleged debt. Just received notice of alleged debt in the current month. 

I reported debt as not being mine to the three major credit bureaus. 

It says that the original creditor was Capital One. 

Requested that the collection agency provides documentation that shows who got this contested account. In the absence of proof of ownership, the collection agencies removed the accounts from my credit bureau file. 

Shortly after the credit collection was removed from my credit reports, one of the credit bureau agencies notified me that the account has been reinstated on my credit files. 

The credit collection agency also says that I paid the account in XX/XX/2021. I made no such payment. 

I still have received NO documentation, such as credit application, that the debt is mine.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I am upset that this company has put and HARD INQUIRY on my credit report & denied my application.And that alone in DISCRIMINATION and them denying me my own credit.That I applied forThis left my report in a default type of way and it is redline activityPlease make them remove this now.This has mentally cause me distress.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (AL)

My car payment from XX/XX/XXXX XXXX  was reported as late. However, the payment was made out of our XXXX XXXX account. The check was canceled by XXXX XXXX, however, we never canceled the payment and there was money in the account. After this, we received a notice in the mail stating there was a data reach within cadence bank involving all of our personal information. Now, we have a late payment from Hyundai Capital America although the payment was made. Then, our car was repossessed although we made all payments. Now, were unable to get the car back unless we pay the full balance owed on the car
Consumer complaint received 2023-02-23
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. (OR)

I checked my credit report just because I don't usually and found that someone has used my information to open accounts for years! I tried calling the crditors I am being given a run a round, nobody is willing to help me even though my identity was compromised.. once at XXXX, and once at XXXX I have received confirmation from both of these companies that my credit profile was compromised. In short my credit is all messed up.. I figured I was just using cash and had no credit and here I am with a whole bunch of accounts I never had anything to do with???!? 
These accounts are listed on my TransUnion credit report XXXX XXXX  ACCOUNT NUMBER XXXX Bal {$430.00} limit {$300.00} 60 DAYS PAST DUE XXXX XXXX XXXX opened XXXX XXXX, XXXX LIMIT {$300.00} XXXX CHARGED OFF HIGH BAL {$420.00} XXXX XXXXXXXX XXXX XX/XX/XXXX opened {$300.00} limit charged off as bad debt XXXX XXXX XXXX 6 late payments XXXX XX/XX/XXXX opened XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX, XXXX date opened XXXX XXXX XXXXXXXX Original creditor : XXXX XXXXXXXX XXXX  {$2600.00} XXXX XX/XX/XXXX date opened XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX date opened {$420.00} balance XXXX XXXXOriginal creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$330.00} XXXX Balance {$680.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$2600.00} XXXX XX/XX/XXXX opened XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX opened XXXX XXXX XXXX XXXX XX/XX/XXXX open {$620.00} XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX -- Revolving XXXX XXXX, XXXX Open not more than three payments past due XXXX XXXX XXXX XXXX XXXX XXXXCollection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXRevolving XX/XX/XXXX Closed Charge-off XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-07-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (VA)

I lost my phone and wallet and called Chime was passed around for 3hrs and they said I couldn't close my account I'm on XXXX and need the money in that account to pay rent. {$910.00} I get from XXXX. All this today XX/XX/2023. They refuse to send me a check to my home on record. Basically Stealing My XXXX Check.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I noticed I had unauthorized charges on my Huntington checking account when waking up XX/XX/XXXX for various amounts. I IMMEDIATELY called the bank to dispute the charges. I also had my debit card cancelled. I explained to them my phone was stolen over the weekend and that was most likely how this occurred, but I wasn't certain. I explained to them I was at a new address, but they still sent the replacement debit card to my old address! I have not received it to this day! 

Over the following couple days I had MORE charges despite cancelling my debit card and reporting the issues. I immediately went to my local branch to try to see what I could do to have these fraudulent charges STOPPED. These new charges should have never occurred given the information I provided to the bank days earlier. The lady told me she would take care of it, but didn't do anything until I followed up via email. She seemed new and not properly trained in handling this situation properly. 

Over a week went by and I called back, only to find out the 2nd batch of charges were reversed as they should be. however the initial batch was DECLINED. I explained once again everything that occurred and they re-opened the case with new notes ( apparently the first representative never documented anything I said ). Why is the 2nd claim approved but the 1st claim declined? They were during the same time period and both fraudulent charges not made by me. 

Another week goes by and I called back, only to find out the claim was denied yet again. These were large amounts of fraudulent charges that I did not make, and I feel that I have cooperated and went out of my way to pre-emptively try and fix everything but the bank is not being responsive or listening to me or the evidence provided. The lady on the phone was not helpful and basically said " too bad ''. The representatives are largely dismissive and not helpful... failing to document notes/evidence provided and sending my replacement debit card to a different address than mine own. They also did not properly help charges from continuing to occur after my first call. I have also been in continuous contact with the branch via email with no real help or solutions.
Consumer complaint received 2024-03-11
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. (GA)

On ( XX/XX/2024 ), I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than XXXX business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-24
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: CITIBANK, N.A. (NJ)

Back in XXXX, I purchased an airline ticket to XXXX ; the airline later went out of business without giving us back a refund, I contacted Citibank immediately informing them and requesting money back, they requested additional information provided me with a fax number where I could send thee documents I did, went on my trip. 
Upon returning I realized I haven't seen the credit so I contacted them only for them to say the wrong department number was given to me and they haven't received the documents. They provided me with said number. 
I asked for the now correct number which they give only for them to say after receiving the documents again that I am now outside of the time to file for a dispute {$1500.00} On XX/XX/XXXX, I purchased 2 tickets for XXXX my brother 's wedding stayed at XXXX XXXX XXXX. One room 3 adults, I should receive 2 beds, I received only one. 
They knew this at the front desk and assured me that this will be rectify shortly if not first thing in the morning. 

The morning came, I went back to the front desk they told me they are fully booked and didn't have any other room with two beds to move us to but will work on it before the end of the day. The end of the day came, nothing. 

The following morning is the wedding so I had no time to stop by the front desk. Suffice to say, at this point I'm still inside the room with one bed 3 adults. 

The place was infested with roaches, smelly carpet etc it was an awful experience and they mess up my vacation. 

I provided city with this information to city, they credited me at first then reverse the charge and now I'm stucked with a $ XXXX charge with ton high interest rate I'm not working and I'm a XXXX mom. I'm in distress.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (NV)

When I had set up both my Credit Cards, roughly a half a year ago, all the information I put in was deemed correct, and It was all complete. Since then I HAVE DROPPED XXXX POINTS?! I have tried so many times trying to fix this situation. I have called both, XXXX & Discover. The automatic pay I have set up on both my banks is my Savings Account. I had PLENTY of money to make my payments. According to Discover ; Automatic Pay through my XXXX XXXX XXXX XXXX ( SAVINGS ACCOUNT ) is not available, so every month I had thought I have been paying on time, I was not. This is not my fault, how can they accept my Bank Information just to XXXX me over? I had no idea until I had a notification of my XXXX saying I was down 100Points! This is ridiculous. Each payment I had to pay would be in the range of 250-300, MAX. I had PLENTY of money to pay that, but because it was never able to go through, IT WAS DEEMED A LATE PAYMENT. This is unfair, and a very sad thing to find out before XXXX. Please help me and let me know on what I should do next. Thank you.
Consumer complaint received 2023-02-23
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. (AZ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX ( Original Creditor : ) XXXX
Consumer complaint received 2023-02-23
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. (MO)

This is my NUMEROUS request that 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 belong 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 following ( address, accounts or Bankruptcy : XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XX/XX/XXXXReference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$43000.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$43000.00} ; XXXX  XXXX Balance Owed : {$2200.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XX/XX/XXXXReference # : XXXX.
Consumer complaint received 2023-03-14
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. (FL)

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2020-12-21
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. (IL)

On XX/XX/2020 I filed a companion with CFPB regarding Experian and thier unwillingness to XXXX an investigate person my request via certified mail on XX/XX/2020 and provided me copies of the Actual documented proof they used to verify the accuracy of the negative items they are currently reporting. Instead they claim That the request did not come from me and refuse to open an investigation.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 : # XXXXXXXX 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 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 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/2023 without a response. I really would like help in this matter. The misleading information is causing me financial stress.
Consumer complaint received 2023-10-23
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. (MI)

Unauthorized inquiries. I have several credit inquiries that I did not authorize or do myself I would like those on authorize inquiries, removed from my credit report. 
XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 These hard inquiries were not authorized by me and I would like to remove my credit report. Can you please remove them and send me an updated report within 30 days thank you.