davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (TX)

On XX/XX/2023 I spoke with a representative called " XXXX '' who stated that Central Portfolio Control sent a letter to my old address at XXXX XXXX XXXX. in XXXX this was after I called them due to not receiving the first notice they claimed to have sent to my old address, and I requested a letter sent to my current address TWICE. They have sent me nothing via USPS and I have no clue what this alleged debt is in connection to, I will be disputing with the attorney general, as well as following up with CPC to find out just how they are attempting to collect on an alleged debt when I have no clue who they are, nor is there any proof of me doing business with them. They have posted this derogatory remark to my consumer report illegally and without merit.
Consumer complaint received 2022-09-25
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. (VA)

XXXX is reporting fraudulent negative information on my credit report and it will need to be deleted. I'm noticing not only is information not mine but they also placed the closing date of the account as XX/XX/2022 so that it would show up on my account as new. I do not have any accounts with them that closed on XX/XX/2022. I cant believe they did this to try to ruin someone's credit. This is unlawful and inaccurate. 

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S Code 1681 ( 5 ) this account is in violation of not reporting 100 % accurate
Consumer complaint received 2023-02-14
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: Upgrade, Inc. (NY)

Upgrade Inc violated my privacy rights by reporting my personal information and my private transactions and experiences on my consumer report that they weren't given consent or permission to do. This is identity theft and a clear violation of my consumer rights. This is civil liability violation and penalty for damages I sustained.
Consumer complaint received 2023-11-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (OK)

I applied for a mortgage loan with the Navy Federal Credit Union Bank. 

I got denied. I disapproved what they wrote on my credit report. I want this to be fixed as soon as possible. Thank you Your Credit Score : XXXX Date Credit Score Created : XX/XX/ Range of Possible Credit Scores : XXXX - XXXX Top key factors adversely affecting your credit score : 1. Lack of real estate-secured loan information 2. Not enough balance paid down over time on revolving accounts 3. Balances on personal installment accts too high compared to loan amts 4. Too high proportion of balances from bankcards
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (TN)

I have a XXXX Rewards credit card through Comenity. In XXXX of 2022, the rewards completely stopped working. I have called both Comenity and XXXX XXXX and no solutions have been offered by either. It was referred to as a delay. Ita been more than 90 days since any rewards have registered for any purchases. This is unacceptable and I will be canceling my account if it isnt fixed within a week. Comenity obviously does not care about its customers.
Consumer complaint received 2022-09-25
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. (CA)

In Accordance with the Fair Credit Act, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX # XXXX, have 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-25
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. (NC)

In accordance with the FAIR CREDIT REPORTING ACT, XXXX  accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX has violated my rights under 15 USC 1681 section 602A, 15 USC 1681 section 604A section 2 and 15 USC 1666B View attachments below
Consumer complaint received 2023-02-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

We applied for a HELOC Line of credit. We were approved for XXXX. We were told that in order to accept the loan, they would have to roll our car debt into the loan so we did. We were also told by XXXX that we could LOCK IN OUR INTEREST AT AROUND 9 %. He gave us a quote of a XXXX a month payment without locking in the interest rate which could go up. He also quoted a monthly payment of XXXX a month with the cost of locking in the interest rate so we decided to take the XXXX a month payment. 

Our first payment was XXXX. However! When we received our second payment, it was XXXX when we called. We were told that the interest rate had gone up. We told them that we were paying XXXX a month because we were told by XXXX that our interest rate was locked in at XXXX  %. Our interest rate is now XXXX % and was NEVER LOCKED IN. I called XXXX and asked him what happened. He told me that HE NEVER TOLD ME THAT!! HE WAS LYING!!! The reason that we moved forward on the HELOC with Pen Fed is because Pen Fed quoted us a XXXX a month payment with a LOCKED-IN RATE OF 9 %. Now they are telling us that our payment is going to rise and it would cost us XXXX dollars a month if we wanted to LOCK IT IN at XXXX % THEY ARE VERY DECEIVING. Our XXXX XXXX is now XXXX and rising... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Called me at XXXX XXXX  Tuesday morning XX/XX/XXXX. Called me and told me that he had been bringing this up. Told me that I was the 3rd person that he had talked to. He also said that his other teammates are having the same experience as well. He said that this is becoming a trend. He encouraged me to escalate the issue.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Account name : # XXXX XXXX XXXX XXXX  {$310.00}. XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX {$260.00}. Account name : #, XXXX XXXX XX/XX/XXXX Account name : # XXXXXXXX XXXX XXXXXX/XX/XXXX {$280.00} Account name : # XXXX. XX/XX/XXXX {$95.00} Account name : # XXXX XXXX XX/XX/XXXX {$870.00} 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 or 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 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I wrote my rent check for {$4400.00} and put it in a mailbox near my apartment to deliver to my landlord ( XXXX XXXX XXXX ). The check was deposited on XX/XX/XXXX. 
In XX/XX/XXXX, I received my rent from my landlord for twice as much. When I went to my Chase account, I saw that my check had been digitally deposited and endorsed by an entirely different person ( XXXX XXXXXXXX ). I reached out to my landlord and they confirmed their office had not endorsed the check and they did not receive it. They sent me evidence of a stamp they typically use for endorsing checks ( XXXX XXXX XXXX ). 
On XX/XX/XXXX, I went in person to a Chase branch and filed a fraud check claim, which required consent from both myself and my landlord that the check was fraudulently endorsed and my landlord did not receive the check. Chase let me know that it could take up to 90 days for my case to be resolved.

I then proceeded to hear nothing from Chase for almost 3 months. On XX/XX/XXXX, Chase contacted me with a very brief letter stating they had not heard from the depositing bank, XXXX XXXXXXXX XXXX, and they'd be closing my claim at the 90 day mark and would not recover my funds if they did not hear back by the 90 days. 
This was extremely upsetting that I did not receive a case update from Chase until 5 days before they warned they'd close my claim and would not be recovering the funds. 
I reached out to XXXX XXXX  XXXX and they shared that they never received a fraud claim from Chase. They proceeded to share the email, subject line, and body of the email Chase should use to contact them. I called Chase to share this information and Chase said they could not confirm if they actually send the fraud claim to XXXX XXXXXXXX XXXX. 
Chase lied to me as a customer and showed gross negligence in protecting me and my money. I started banking with them as a XXXX XXXX XXXX and I will be closing my account after this terrible experience.
Consumer complaint received 2023-03-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CT)

On XX/XX/XXXX I applied for a {$45000.00} Home Equity Loan with Rocket Mortgage. I was approved that same day with an approval email from Rocket. There were no subject to items or conditions with the approval email. I was told our debt/ income is no issue, the XXXX no issue, and the credit no issue. I explained to the loan officer, XXXX XXXX, that I had prior credit issues but that it cleared getting the first mortgage with Rocket on XX/XX/XXXX. He said all is fine. XXXX been prepaying our first mortgage with Rocket by {$400.00} per month. We signed all sent documents on XX/XX/XXXX, the appraisal was ordered, updated W2 statements uploaded, and title work began. On XX/XX/XXXX, I was told the past credit issues prevent the loan. 

I appealed with Rocket since I was issued a binding approval. It's gone up Rocket 's corporate solutions ladder. Today, XX/XX/XXXX, I was told by Alex Coop there is nothing they can do and that they, " Installed new software and clearly more training is needed with their loan officers. '' That's not my fault. They approved us. It is my understanding a lender can only pull out if there are specific changes/ findings from the time of approval. There were no changes. They simply can't fit it into their underwriting box despite being told on day one we fit all parameters and were issued an unconditional approval. 

I'd like our loan. My credit now has a hard pull which has lowered its score. Or Rocket can offer an unsecured {$45000.00} loan to us but declined that option. I suggested that. 

I hope you can help in this matter and hold a lender accountable. Consumers have rights and this is a violation of fair lending practices.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to formally contest the erroneous inclusion of certain accounts in my consumer credit report. It has come to my attention that I did not provide written consent for the reporting of these specific accounts, which, I believe, constitutes a violation of my rights under 15 USC 1681b. This particular statute safeguards consumer information and necessitates obtaining consent prior to reporting it.

I would like to note that I have already lodged a complaint with the Federal Trade Commission ( FTC ) and have been assigned a reference number for my case, which is XXXX. Despite this, my efforts to request the removal of these accounts from my credit report have been met with responses from the creditor, supplying documents that I did not request. It is my contention that your credit reporting agencies bear responsibility for ensuring accurate and compliant reporting. 

As per the provisions outlined in 15 USC 1681c-2, consumer reporting agencies are obligated to promptly block the inclusion of information in a consumer 's file that the consumer identifies as arising from alleged identity theft. I kindly request that you fulfill this legal obligation and swiftly eliminate the following accounts from my consumer credit report : Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX In addition, I would like to bring to your attention an unauthorized inquiry on my report by XXXX XXXX XXXX, dated XX/XX/XXXX, and another XXXX XXXX inquiry by XXXX XXXX, dated XX/XX/XXXXXXXX Lastly, there was an inquiry made by XXXX XXXX XXXX  on XX/XX/XXXXXXXX 

I anticipate that these accounts and inquiries will be removed in accordance with the legally stipulated time frame, no later than four business days after your receipt of this correspondence.
Consumer complaint received 2023-03-02
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: SLM CORPORATION (DE)

I received a Hard Inquiry in the XXXX Credit Report for Sallie Mae Bank on XX/XX/2023. I have contacted Credit Card/Credit/Loan/Bank Customer Care and they don't have any application open with my information. I have also tried to contact XXXX Customer Care and they can't help since it's a hard inquiry. 

The following address of the Institution involved was mentioned in the Credit Report : - SALLIE MAE BANK XXXX XXXX XXXX XXXX, DE XXXX ( XXXX XXXX )
Consumer complaint received 2022-09-24
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. (NM)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX AV XXXX XXXX, TX XXXX XXXX SUN XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern, I am writing to file a formal complaint against Transunion regarding their failure to delete a disputed debt from my credit report. The debt in question stems from identity theft, and despite my repeated attempts to dispute its validity, XXXX has failed to take appropriate action. 

According to the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a debt to be sold or transferred without the debtor 's consent. As this debt is a result of identity theft, it is imperative that TransUnion follows the necessary procedures outlined in the FDCPA to rectify this issue promptly. 

I have provided all necessary documentation and evidence to support my claim of identity theft, yet Transunion has neglected to uphold their obligations under the law. If the correct actions are not taken this time to rectify the situation and delete the disputed debt from my credit report, I will have no choice but to pursue litigation to ensure my rights are upheld and the matter is resolved appropriately. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against Transunion for their failure to comply with the FDCPA. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BARCLAYS BANK DELAWARE (NC)

On XXXX XX/XX/XXXX, XXXX XXXX Bank made a digital transfer of {$10000.00} to Barclay Bank Delaware. The XXXX XXXX statement dated XXXX XX/XX/XXXX - XXXX XX/XX/XXXX reflects a transmission date of XXXX XX/XX/XXXX and a posted date of XXXX XX/XX/XXXX. Barclay bank statement dated XX/XX/XXXX - XX/XX/XXXX shows receipt of funds on XXXX XX/XX/XXXX, and declared a XXXX balance on the Barclay credit card. The following month 's statement, showed the payment, but the account balance was back to the amount as if no payment had been received. Barclay declared that the digital transfer of funds was being treated as provisional. Since that time Barclay has insisted that no payment transfer has been received and that I have to provide all digital transfer information as proof of payment. 
Starting in XXXX, I provided copies of my XXXX XXXX Bank statements to Barclay and was informed that they were not good enough to provide proof of payment. Numerous attempts have been made to fax Barclay Bank digital information. I am attaching a chronological sequence of events of all contact with both Barclay Bank and XXXX XXXX showing the numerous phone calls and interactions that are still on going.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

XXXX # XXXX is reporting a collection on my credit report that I never received any notice for. This is a violation of my 30 day right to dispute and they have not provided any proof that this collection is mine.
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. (TX)

My name is, and I am writing to bring to your attention fraudulent information on my credit reports. 

UNDER the Following Sections please Adhere to the details that Fall under Consumer Law. I request the removal of the following items in accordance with 12 CFR Part 1022 ( RGULATION V ) Implementing sections 605A, 605B, and 609 ( a ) ( 1 ) including but Sections 1022.82, Section 1022.123 1681b of the FCRA. 1022.82 Duties of users regarding address discrepancies.

1st you need to Update my personal Information and Remove Fraudulent Addresses : XXXX XXXX XXXX  {$56000.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$53000.00} XXXX opened XX/XX/XXXX {$60000.00} XXXX XXXX opened XX/XX/XXXX {$68000.00} XXXX XXXX XXXX opened XX/XX/XXXX {$36000.00} XXXX Opened XX/XX/XXXX {$50000.00} XXXX XXXX opened XX/XX/XXXX {$95000.00} XXXX XXXX opened XX/XX/XXXX {$960.00} XXXX  opened XX/XX/XXXX {$68000.00} Achieve PERSONAL LOANS opened XX/XX/XXXX {$35000.00} FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

FICO or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and the Person is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or Vantage which makes their factors or algorithm not a factor where the consumer report is concerned.
Consumer complaint received 2022-12-15
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2017-12-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. ()

I have transferred USD {$25000.00} through my local bank XXXX XXXX XXXX to XXXX The Funds were held and still blocked at the intermediary bank which is CITI BANK despite my Local Bank - XXXX XXXX XXXX providing them all the information, Citi Bank has not responded or replied to the swift transfer message, either intentionally or due to negligence on their part.