davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-02
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. (CA)

Early XX/XX/XXXX : Received an unsolicited invitation from United/Chase to apply for a credit card indicating that " With this invitation-only offer, you'll enjoy a {$0.00} introductory Annual Fee for the first year, then {$450.00}. '' Early XX/XX/XXXX : I applied for the card with the believe that there would be no first year annual fee. 

XX/XX/2020 : Received an email stating " Congratulations. We have approved your request for a Chase credit card. '' On or about XX/XX/2020 : Received first billing statement from Chase with a balance of {$450.00} for " Fees Charged '' Contacted Chase via phone, opened an online account and sent them a " secure message '' with a snapshot of the the introductory {$0.00} Annual Fee invite they had sent to me XX/XX/2020 Chase responded that they had received the inquiry and were forwarding it along to the " appropriate '' people XX/XX/2020 Eight days later, with no response from Chase, I reached out to Chase a 2nd time XX/XX/2020 Chase responded with ... .. 
" I regret, we are unable to match the no annual fee offer that you inquired about. The offer on your account will remain as XXXX bonus miles after you spend {$3000.00} on purchases in the first three months from account opening. We apologize for any inconvenience caused due to this. 

XX/XX/2020 I reached out to chase, once again, and requested they reevaluate their decision to decline the {$0.00} Introductory Annual Fee XX/XX/2020 Chase 's response : " We re-evaluated your account and see your account isn't eligible for the new offer you requested with the first year no annual fee. '' By the way - My husband received the exact same invitation from Chase, applied for and received his own credit card. His statement, as expected, DID NOT have the {$450.00} annual fee. Was this discrimination on Chase 's part???
Consumer complaint received 2022-09-30
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. (GA)

On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcy information to the credit bureaus. I received a letter from the courthouse stating that they do not report bankruptcy information to anyone. So how did the credit reporting companies verify my bankruptcy as 100 % accurate? They never did a fair investigation as stated by law 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( E ) ( 3 ) States ; " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They violated my rights on numerous occasions.

Credit bureaus violated my given rights under 15 U.S.C 1681.

According to 15 U.S.C.1681 Section 602 A States I have a right to privacy.

According to 15 U.S.C 1681 Section 604 A States a consumer reporting agency can not furnish an account without my written instructions.

According to 15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (NJ)

We were contacted by ALLY BANK in XX/XX/XXXX and offered a Forebearance Loan on our 2nd Home Equity Loan. In XX/XX/XXXX ALLY BANK issued letter stating that they were in error offering this forebearance and also that they internally had coded our loan incorrectly- and that we were now 6 months late and the balance due immediately- they also reported us as delinquent to all credit bureaus. Then they sent an agreement with loan payments to start paying balance -however it was dated three months prior ( they sent outdated documents ). We have been contacting ALLY BANK since XX/XX/XXXX to get credit fixed and a current loan agreement. Every time we call we speak to a new agent who says they will send us a new loan modification " package '' - we have repeatedly filled out these loan modification packages with all our bank documents, payrolls statements, tax returns, etc. then when we call to check on status they say the documents need to be resent because they are now outdated- or they say they never got the documents, after we've sent them to the po box address as well as email address they provided- repeatedly. Then they call us each month and the cycle starts all over again with a new agent! Result is our credit scores went from 800 's to low 500 's - credit is ruined ; and husband 's business is now closing because of the negative credit scores and failure to get new business credit. We can never speak to the same person at ALLY BANK - nobody can ever follow up on our documents to get a new loan agreement generated. Extremely frustrating dealing with ALLY BANK. Our credit has been ruined because of their internal errors and mismanagement. 

ALLY LOAN NUMBER : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX
Consumer complaint received 2021-08-31
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. (CA)

SEE ATTACHED DOCUMENT OF MY STATUES MAILED XX/XX/2021, ALONG WITH FTC REPORT. ITEMS REMAIN IN THE SAME STATUS.
Consumer complaint received 2020-03-02
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. (MI)

XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX HOSPITAL {$650.00} XX/XX/XXXX Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00} Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00}
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/2020, my phone was lost/stolen. The phone 's XXXX XXXX/XXXX   apps were used to transfer money from my Debit card account with Bank of America and my Visa Card from XXXX  Card. Upon noticing this, I immediately reported it to my financial institutions. XXXX Card has resolved my claim, determining that the transaction was fraud and receiving no contest from XXXX regarding the transaction. I did also contact XXXX and submitted multiple items to them, at their request, to verify this was fraud. 

After an " investigation '', Bof A says they could not verify fraud and reversed the credits on my account which total around {$1800.00}. I have called BofA multiple times a week, I have provided the same documents I provided XXXX Card, I have asked to speak to the actual fraud investigators, and I have not been able to make progress. There were 2 transactions that BofA included on my claim initially that were not supposed to be ( they were legitimate Debit Card transaction with my physical card I made that day ) and I feel that they used those to deny my claim even though I told them multiple times that those were not fraud. All the transactions that were fraud did not use my physical card. One agent I spoke with told me that " this type of fraud is still new, and if the investigator does not look closely, they can look like physical card transactions ''. 

I need Bank of America to recognize this as fraud. XXXX does, XXXX Card does, but Bank of America is, for some reason, saying they are valid transactions. They will not provide me with information as to why. This amount of money is detrimental to my financial health and has caused significant hardship on me. I have been with BofA for 19 years, and I am incredibly disappointed that this process is neither transparent nor fair.
Consumer complaint received 2020-03-02
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: EQUIFAX, INC. (FL)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME FRAUDULENT ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND PROGRESSING INTO THAT THE FUTURE THAT I HAVE PLANNED FOR MYSELF IS NOW AT A STANDSTILL. 
PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION.
Consumer complaint received 2020-03-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I borrowed {$7000.00} to finish paying for a class I needed to finish my degree. I had to get a co-signer, my daughter. I have been paying three years and still owe XXXX on the loan. I am paying XXXX per mo. and yet get no principal applied on several of my payments all on time. 

I was told that I need to pay XXXX a mo. to finish paying off the loan in 10 years! This is ridiculous. I can not afford that type of payment. 
To begin with, I was XXXX from the XXXX XXXX and XXXX   after having several operations. This is when I returned to college at age of XXXX. I am now XXXX and work 5 days a week at the XXXX, but still struggle because of incurred debt and raising XXXX children. 
This navient bunch lied and are misapplying my payments and constantly change their story as far as my payments ... ..HELP!! 

XXXXXXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
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. (LA)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 2023-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

In accordance with the fair credit Reporting act XXXX  account # XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : I also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an end consumer credit plan as late for and purpose.
Consumer complaint received 2020-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

It's that time again. Wells Fargo is trying to foreclose on my house even though I had adequate income for my last modification application. This is the second complaint that I have filed against this company because for whatever reason I didn't get the request for response email messages from my first complaint. I plan to change my email address to avoid this happening this time around. 

In my previous complaint XXXX Wells Fargo responded that I didn't provide proof of my income which is untrue. They didn't make any requests for proof of my income. They denied part of my income due to the fact that I wasn't able to procure tax documents because I hadn't worked long for my employer. I have copies of checks and bank statements for that income that I will happily provide.
Consumer complaint received 2020-03-02
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. (MI)

XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX HOSPITAL {$650.00} XX/XX/XXXX Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00} Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00}
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (TN)

I would like to start out by saying that this has been a long on-going process with US Bank as our account with them was apparently opened in XXXX ; according to their records. About three years ago my wife asked me what the charges were from and who opened the US Bank account. I told her I thought she had opened the account/credit card and she said no. I explained to her that I don't remember opening the account and don't remember ever using their credit card as we had canceled/closed the account several years ago when my wife started questioning who opened the account. 
Around the XXXX of XXXX, XXXX my wife asked me to call USB and inquire about the charges and who opened the account. NOTE : my wife has been calling USB on and off for at least for the past three or four years asking them the aforementioned questions but they would not communicate or discuss the account as her name was not the person that opened the account -- they said it was me but they never indicated that all she had to do was put me on the phone and I would give them permission to talk to her. So, I called them and ask them to provided me with a list of the charges with dates and to send me a signed copy of the application of the credit card with my name on it along with the charges. 
The first lady I spoke with was very nice but after looking everything up she could not find anything except we had supposedly opened the account around XXXX. She said I had to talk to a different department and put me on hold. 
Next up was a gentleman that said he could see the charges but didn't know what they were for and I said fine but could he send me a list of the charges along with the dates plus my signed application and he said he would do. -- -- I have yet to receive anything except a letter saying that if we believe our account has been compromised we needed to contact their Fraud Department and submit an inquiry. 
They provided the phone number and I called them. After speaking to them and going over all this the folks at the fraud department said they would investigate the claim and get back to us. 
About two weeks later we received a call from them with the lady saying she didn't see any fraud as we have been paying on the account for the past ten years and we had opened the account because that's where the bills are being sent to. I asked her to provide me with the signed application document and she said that it had all be done online. I asked her did the company not require a signed application and she did not answer, just saying that the bills were coming to our address and that was it! 
It is of my belief that this company has committed an act of fraud as they can not provide me with my signed application or any charges that have been made. We have paid this company at a minimum over {$6000.00} during the past 10 years and I want my money back!
Consumer complaint received 2020-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OK)

I am a XXXX  and qualify for a XXXX loan forgiveness program. Naviet continues to deny me for this program. Each time they state the reason, I correct the application then they find a new reason to deny the application. This has happened at least 5 times. Each time I ask them if there is anything else needed and I am told no that the application will go through once this item is " corrected '' most of these corrections are not really needed they are " administrative items ''. It is clear to me that Naviet is intentionally stalling and hoping that I will give up.
Consumer complaint received 2020-03-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (NY)

I was dumbfounded when I saw on my credit report late payment reporting for the date below : 30 day late in XX/XX/2019 I am unsure how this occurred. I believe I made my payments to you when I get my bill. My only thought is that I never received a statement that month.
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

Shellpoint is falsifying that XXXX XXXX reached out to them on XX/XX/2021. 

My case number is XXXX. 

Shellpoint recycled an old letter where they omitted facts that Shellpoint sent me two official statements saying that my trial modification amount was {$990.00}. I paid {$990.00} on the second trial payment and {$990.00} on the third trial payment. Shellpoint waited until after the third trial payment was successfully made to decline to finalize my trial modification. Just because Shellpoint pulls out an old self-serving letter, that does not mean the issue was addressed.

Shellpoint is continuing to falsely create different reasons for making me pay for their error. Currently, they are saying XXXX XXXX 's supervisor overruled the modification approval letter that he said was being sent XX/XX/2021. Then, they said that loss mitigation was working on it. Then, a fathom in escalations was working on it. These excuses were made after they lied and said that the modification redo was what XXXX XXXX approved. 

However, XXXX XXXX was not made aware that Shellpoint sent me different statements and that I complied with their correspondence. 

XXXX XXXX is not telling the truth that XXXX XXXX has not reached out to Shellpoint. 

My case number is XXXX with XXXX XXXX. Each time I call they say they have not responded.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (LA)

XX/XX/XXXX, my money was taken out of my Direct Express account without my authorization, in the amount of {$1200.00}. I am disputing this transaction, I did not authorize any transaction on or after this date. I contacted the Social Secutity Office in XXXX XXXX, Louisiana by phone ( XXXX ) XXXX and by going to their office on XX/XX/XXXX about my funds being removed from my direct express account and they told me direct express still has my money and refused to look into the matter. I contacted direct express XXXX, and they told me social security debited the funds from my account due to unfinished enrollment according to a direct express employee in the direct express escalation and fraud department. I keep getting the run around what happened to my money but I never received my money. I have been calling direct express for weeks and they are just letting me file a dispute on XX/XX/XXXX and two weeks later the dispute was closed resulting in me not getting my money back that I was legally suppose to get back because I was told by direct express that within ten day of filing my dispute I would get provisional credit, but instead they closed my case without any recourse.
Consumer complaint received 2023-12-07
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: EQUIFAX, INC. (TX)

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following accounts 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 2020-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

There are two fraudulent accounts from Capital One Bank USA # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at XXXX  they stated that Capital One Bank USA unblocked the debt and XXXX has no way of re-blocking the debt back. Which is odd because XXXX  have the ability to unblock and block accounts.