davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2021-12-21
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: EQUIFAX, INC. (VA)

These three credit bureaus keeps adding removing updating deleting refusing to delete refusing to tell me where they get the information from and violating all type of consumer laws when it comes to my profile they tell me that they can't verify me yet they simulators telling me they've updated and verified through furnishers they still have not provided me where they got the information from. They refuse to update when the other bureaus have already removed they just keep doing whatever it is that they want causing me emotional distress I just want these items removed immediately attached is my exhibit showing the inconsistency the stall tactics and then violating laws
Consumer complaint received 2021-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

These three credit bureaus keeps adding removing updating deleting refusing to delete refusing to tell me where they get the information from and violating all type of consumer laws when it comes to my profile they tell me that they can't verify me yet they simulators telling me they've updated and verified through furnishers they still have not provided me where they got the information from. They refuse to update when the other bureaus have already removed they just keep doing whatever it is that they want causing me emotional distress I just want these items removed immediately attached is my exhibit showing the inconsistency the stall tactics and then violating laws
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (CO)

The XXXX XXXX XXXX XXXX XXXX comes with the benefit of an annual Companion Ticket. 

According to the information given on the Website of Barclays ( https : //www.barclaycardus.com/servicing/rewardsHubResponsive? __fsk=-482126351 # rewardsBenefitDetails/EXCLUSIVES/EXCLUSIVE/63783 ) more information can be received thru XXXX However, this XXXX doesnt work. 

I contacted Barclays thru web chat. The agent just apologized and told me to contact XXXX XXXX. There is no substantial information she can give me on XXXX Companion Ticket restrictions and I am confused why I should contact XXXX XXXX. 

I also asked to report the issue and to provide feedback, once it is clarified. The agent did not commit to give me feedback. 

I am paying {$79.00} a year for a benefit which I dont seem to be able to get any information on. Sounds like deceiving advertising to me
Consumer complaint received 2016-06-01
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: United Check Recovery, LLC (MO)

I was never given the mini Miranda I was told they where calling from the federal bureau of investors for the us government for check fraud. they would never id they are a collection agency I was told they would garnish my check refused validation & I do have all my calls recorded I also have voicemails left.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The consumer agencies known as XXXX, Experian, & XXXX are inaccurately reporting the account XXXX XXXX. The account has several inconsistencies listed within the account. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$3500.00} {$0.00} {$3500.00} Credit Limit : {$2900.00} {$2900.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

I am a customer of Citi Mastercard. 
I added a bank account online following their procedures - bank account acceptance was confirmed. 
I paid down my Citi card by using the new bank account Citi mistakenly used a different bank account. That error caused that particular bank account to go into significant overdraft- over {$5500.00}. 
I called Citi and they acknowledged that they had taken money from the wrong bank account. 
The problem is that Citi - while acknowledging their mistake is not reimbursing my account for at least 7 - 10 business days!

How can they be allowed to wrongfully access my bank account and not reimburse me for 7 - 10 business days?

It took them minutes to wrongfully withdraw monies- it should take no more than 24 hours to reimburse.
Consumer complaint received 2016-04-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Absolute Mortgage Company, Inc. (NJ)

Absolute Home Mortgage Company pre qualified and approved us for a mortgage that we could not afford, As a result My husband and I are now seeking a loan modification and possibly bankruptcy. Made settlement XXXX XXXX, 2015. We would love to be able to keep our home.
Consumer complaint received 2023-10-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Duvera Billing Services, LLC (OR)

I took out a loan through XXXX XXXX XXXX  and I have made 4 payments on this loan so far totalling around {$600.00} and they have a promotion going on right now that is 90 days interest free on the loan, when I looked at my account I see that they are putting ALL of the payments to interest only, none to the actual principal. This was payments made within the 90 day period. I have emailed them regarding this issue and they keep giving me the run around as well as charging me % 199 interest
Consumer complaint received 2021-12-23
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: EQUIFAX, INC. (FL)

According to the FCRA ( THE LAW ) Equifax XXXX XXXX needs to remove these unauthorized inquires. Its been over 30 days Under federal law, equifax has thirty ( 30 ) days to complete their investigation per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).

They have also failed to provide proof with my signature that SHOWS I authorized these inquires.
Consumer complaint received 2024-03-18
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. (MD)

I filed a dispute regarding a bankruptcy having been reported on my credit reports from XXXX. The dispute was reported as valid, however, US Bankruptcy Court does not report, verify or validate to any credit bureaus in accordance with the US Bankruptcy Court ( XXXX, MD ). Therefore, this information was not validated by any credit bureau as confirmed and was not authorized in writing. In accordance with 15 USC 1681, the credit bureaus reporting of this information is in violation of my rights. I filed disputes in XXXX, XXXX, XXXX and the credit bureaus stated the information was validated and was a lie. Therefore, this information is an error and need to be removed from every credit bureau including XXXX, XXXX, Equifax, XXXX and XXXX.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

I went to the car dealership and they advised me that they were not going to run a hard pull on my credit and in turn, they ran multiple hard inquiries without my consent.
Consumer complaint received 2024-05-02
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: CITIBANK, N.A. (NJ)

ll of the charges that were XXXX days late in XXXX of XXXX were Fraudelent charges. Citi has acknowledged this and refunded all of the charges. They have not corrected the credit reporting. 

I have disputed this multiple times and it has not been corrected. 

On XX/XX/XXXX, XX/XX/XXXX, a fraudulent XXXX charge was made on my card. Late fees were added while investigation process was ongoing. These late fees turned into late payment reporting. On XX/XX/XXXX, all of the late fees and fraudulent charges were refunded to me because the investigation confirmed it was fraud. 

I was told the credit reporting would be corrected, but it was never fixed and the XXXX days late is still showing on my credit report. 

Please correct this. This false reporting has kept me from obtaining the credit I need, for the last couple of years.
Consumer complaint received 2017-04-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XXXX/XXXX/2017 I sent a dispute letter to PRA requesting validation of this debt - including an item bearing my signature. All I received in response on XXXX/XXXX/2017 was XXXX Credit Card statement. I again requested validation on XXXX/XXXX/2017, and again received no further information to validate the debt. On XXXX/XXXX/2017 PRA claimed my request was similar to the first and unless I provided more information no additional response would be given. I sent another detailed letter on XXXX/XXXX/2017 asking several specific questions to validate my debt, and on XXXX/XXXX/17 PRA again responded with a letter that they did not receive the information required and would be terminating the dispute investigation.
Consumer complaint received 2024-04-25
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: Experian Information Solutions Inc. (CA)

XXXX & Experian are incorrectly reporting the account listed as XXXX XXXX there are several inconsistencies in the account listed. 

Date Opened : XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Cash advance fee — 
Company: JPMORGAN CHASE & CO. (CA)

I was told my a Chase bank center near my house that if I withdrew cash from my Chase Credit card that there would be " NO '' cash advance fees. When I got my statement a 3 % was charged about XXXX times. I called Chase and they will not reverse the charges.
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Consumer complaint received 2021-12-22
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: Experian Information Solutions Inc. (FL)

After no response from my written request to XXXX XXXX to show any contract I have with them. I wrote experian asking to send me the written authorization to place an account from XXXXXXXX XXXX for {$130.00} on my report. 
No reply from either company is continuing to hurt my credit as a federally protected consumer.
Consumer complaint received 2022-12-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (IL)

My XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CDA-Certificate of Deposit, Passbook Account XXXX XXXX, XXXX was bought by Wells Fargo. My mother Died on XX/XX/2018. I believe the account was never closed. I contacted Wells Fargo to collect the funds and they have been stone walling me and say that they don't have the account. They have basically stolen the funds from my family. I have talked to a dozen people at Wells Fargo. They say they will call me back the next day and Never do. They lie and say they are doing things to find out the documentation but Never do! I have set up multiple case numbers for them to find out what happened. The latest was XXXX # XXXX. The last gentleman I talked to said his boss told him to tell me my next step would be to sue them. They have stolen at least {$15000.00} I need your help with this Horrible so called bank Wells Fargo! My name is XXXX XXXX, XXXX, XXXX. I am the son of XXXX XXXX. I am listed as a XXXX on the account.I am the XXXX of the will. Wells Fargo refuses to pay out the passbook savings account! The Criminals Wells Fargo sent the CFPB a cover their but letter that said NOTHING and for some reason the CFPB closed the review. This needs to be OPENED and the Wells Fargo CRIMINALS need to be brought to Justice Now! 
XXXX XXXX, XXXX, XXXX
Consumer complaint received 2023-10-18
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Home Loan Center, Inc. (GA)

On XXXX, I spoke with a representative about getting a loan with XXXX. The representative asked if he could run my credit. I advised him to only run my credit with XXXX XXXX not with the other finance companies who provided their offers. He said he will notate the information and only run my credit with XXXX. On XXXX, I received an email from another company, XXXX, sending me a notice of adverse action. This email statement shows my credit score of XXXX, which was ran through XXXX. I want to make a formal complaint because I did not give Lending Tree permission to run my credit score through XXXX.
Consumer complaint received 2022-12-12
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. (NY)

I feel like they ignored my prior requests for an investigation. I asked them to Please confirm how this account is showing as open when it is actually closed otherwise I will have to ask you to explain how it is reporting as accurate. 
XXXX XXXX XXXX  Account Number : XXXX If you are unable to verify the information that is contained in this account, then you are required to delete the account. 
also I get a copy of my credit report and found the following item ( XXXX ) to be in error : Previous Address ( es )
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

We refinanced our mortgage with another bank. The closing date for the loan was XX/XX/XXXX. The last day to pay our mortgage for XXXX was XX/XX/XXXX. The payoff amount was wired on XX/XX/XXXX. Rushmore returned the wire payment was returned by Rushmore on XX/XX/XXXX stating that it was short although they sent the payoff amount to the bank that was good thru XX/XX/XXXX. They are a ripoff and I hate that our loan was ever sold to them. They have been taking our money thru high interest rates since we have been with them and I am so glad to be rid of them!
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquires 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy .

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Please Block and remove it.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

My Social Security number is on a freeze, and I applied for a credit card and got approved. Ive been making payments on time, and not even six months later, my account was closed. However, when I called Discover, they could not tell me why it was closed but stated they sent a letter in the mail.