davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (MN)

On XX/XX/XXXX, I updated my insurance information to XXXX. XXXX did a background check on my driver 's license at that time. XXXX received from the company, Checkr, who does XXXX background check, some wrongful information concerning my driver 's license, causing XXXX to fire me. The information from Checkr, showed that on XX/XX/XXXX, I had a driving violation of XXXX XXXX, which was wrongful information. The actual violation was XXXX XXXX XXXX XXXX XXXX XXXX XXXX after change of name or address. In my case it was my address. I had failed to change my license to the address I was now living in the allotted time that I was suppose to. After back and forth phone conversations with XXXX and Checkr, it was to no prevail. On XX/XX/XXXX, I went to XXXX XXXX, in XXXX, MN., there I presented my document to them, they scanned my document and forward it to XXXX. I then contacted Checkr, who stated that they had received the wrongful information from my DMV, in Minnesota. I went to XXXX headquarters, today, XX/XX/XXXX, to get a certified document to show that the information that Checkr, is providing is incorrect.
Consumer complaint received 2019-01-19
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. (NC)

Open XXXX XXXX car loan in XX/XX/XXXX. Last payment was in XX/XX/XXXX paid off.

They were reporting negative status still. XX/XX/XXXX to XX/XX/XXXX is 10 years item still reporting and its XX/XX/XXXX.

Even if they are reporting from last payment of XX/XX/XXXX item should age off XX/XX/XXXX, I disputed the information and they say it is valid and provided no information as to how long it will remain on my report.
Consumer complaint received 2019-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MN)

-XX/XX/XXXX I opened a Gold Delta credit card. 
-I used it in XX/XX/XXXX for the amount of {$160.00} -XX/XX/XXXX I received a statement with balance of {$200.00}, includes a late fee of {$35.00} and interest of {$2.00}. I let them know no statement was received and I requested to remove the charges. Customer service specialist request permit to his supervisor and it was authorized then I proceeded to pay the balance in full by phone XX/XX/XXXX and to close the account. Specialist offered to me other card options and I said no for now. And then he said your balance is XXXX and the card is close. 
- In XXXX XX/XX/XXXX I received another statement and it shows a new balance of {$35.00}. I called immediately and they apologized and said I dont need to pay it because it was their mistake and they will remove it. I said to the customer service representative for my tranquility I need to receive a paper with shows the XXXX balance and that the account is closed. 
- I received in XX/XX/XXXX the receipt with zero balance. 
- XX/XX/XXXX I received one statement with new balance of {$95.00} and stated that in XXXX my account has a total fees of {$60.00}. 
- I called XX/XX/XXXX and talked with XXXX about why if this account was closed and I received a XXXX balance receipt, I am getting charges. He apologized said because the account wasnt closed and I dont be worried about this, it was a mistake and the balance is removed. 
XXXX I called and finally I can contact a Spanish representative and XXXX said the fee was reversed and the account is closed. No problem and worries for me in the future.He did the process with his supervisor. And said in 72 hours is reflected in my balance with them. 
- XX/XX/XXXX I received another statement with the balance of {$95.00} again. 
- I called XX/XX/XXXX and I talked with XXXX and his attitude was very different than previous representatives and said I need to pay this balance. I explained all the process again and said it was a mistake of whom removed it you need to pay the {$95.00} because is the annual fee and he can not do more for me. Finally he released after my constantly questions. I only see that in XX/XX/XXXX you were transferred to the XXXX line, I said ok check the notes and you can realize what happens, He said sorry I can not help you with this problem, you need to pay. I asked to transfer with a supervisor and said there is not a supervisor available, I said I can wait on the line and said you need to call tomorrow because its not a supervisor in the floor. 
-XX/XX/XXXX I called and asked for a supervisor to talk about my case and let me in hold for a long time and hung up the call. I can not call back again because it was at my lunch break. 
- I sent a letter and never received an answer. And they continue harassing me sending every month the same statement.
Consumer complaint received 2023-01-31
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: BARCLAYS BANK DELAWARE (FL)

Back on XX/XX/XXXX XXXX XXXX XXXX XXXX charged my XXXXXXXX XXXX {$210.00}, then again XXXX Charged me {$210.00} on XX/XX/XXXX. I called Barclays and did a dispute immediately ( I got a case number, but I cant locate that information and Barclays never emails me anything to have as a record ). On XX/XX/XXXX I noticed XXXX XXXX XXXX XXXX processed a credit for the duplicate charge of {$210.00}. Now on XX/XX/XXXX I noticed early in the morning again the same charge totaling {$210.00}. I do not know what the heck is going on or who is doing this XXXX or the Bank. On XX/XX/XXXX at XXXX more or less I called Barclays XXXX Disputes department and spoke to XXXX XXXX XXXX told me the {$210.00} is a valid charge and that the merchant sent a bunch of documents to proof it is a valid charge. I told him if he did the math on my account for the times {$210.00} has posted and he continued to tell me the case is closed. I have tried many times to approach all my disputes accordingly and to the proper channel, however it is just impossible and a nightmare to get someone who understands and offers guidance finally a workable solution. I am very close to closing my account ( s ) with Barclays only because of this and the headaches caused because of lack of knowledge and practice by the people who work when calling customer service. I am very very disappointed and I need someone to help me change my mind with all of the issues and inconveniences I have encountered and to remain as a customer. I do not owe {$210.00}, I have already been charged for this and I paid it.
Consumer complaint received 2019-01-18
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. (SC)

I reported that I did not make this charges, authorize this charges, or have knowledge of this charge. I did not even know about this collection until I checked my report on XXXX   XXXX 3 months ago. I called the collection company and they agreed that I should not have been involved in this charge but all three reporting companies ( XXXX, XXXX, and Transunion ) are showing that : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE '' It should be illegal to place a derogatory report on my credit report that I am not responsible for or even was aware of!
Consumer complaint received 2023-05-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

You are in direct Violation of The Fair Credit Reporting Act. The store/ bank has violated several of my rights. The U.S.C. 1681 Section 602A clearly states that I have right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : it also states that 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 open-end consumer credit plan as late for any purpose.

Please remove these late payments and update my account immediately as you are in direct violation of the laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

You are in direct Violation of The Fair Credit Reporting Act. The store/ bank has violated several of my rights. The U.S.C. 1681 Section 602A clearly states that I have right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : it also states that 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 open-end consumer credit plan as late for any purpose. 
Please remove these late payments and update my account immediately as you are in direct violation of the laws under The Fair Credit Reporting Act.
Consumer complaint received 2019-01-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (AZ)

Quicken Loans, Inc. XX/XX/XXXX Complaint is about the company 's method of handling escrow shortages, and their refusal to keep my monthly payment the same, even after I paid the escrow shortage. 

I received a bill for an escrow shortage, and promptly paid the bill. Then I received another notice indicating that my monthly payment will still increase because of a future escrow anticipated adjustment. I agree to pay that amount now, so my payment could remain the same. 

I was told that this could not be done, and that if I wanted to keep my monthly amount the same, then I should look into a tax exemption or find a new insurance company with lower rates. This was because of a Quicken Loan , Inc. policy enacted in XX/XX/XXXX. Personally I think this is a financial fiasco dreamt up to keep more money in their pockets. 

There is no reason why I should not be able to keep my mortgage payment the same if I pay the escrow due amount. I am retired and on a fixed income.
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UMB FINANCIAL CORPORATION (FL)

Applied for the XXXX XXXX XXXX in XX/XX/2022 and this card has given me the worst service a human being can be offered. From them getting my bank account number wrong to having a complicated way of submitting payments. I have to call every month to make a payment when every other credit card has a smooth way for me to submit payments via a website. I also found out they froze and closed my account just because they wanted to. I have had 10+ years of perfect and on time payments on my credit history. I personally believe this card scammed me to open with them and once I met the requirement to use my cashback option at XXXX in order to buy gold thats when my account was frozen. I own credit cards from multiple lenders and this is by far the worst card I have ever had. To speak to a supervisor took over an hour long and if you ask for a supervisor to call you they do not call you back. I hate this credit card.
Consumer complaint received 2023-03-03
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: JPMORGAN CHASE & CO. (CA)

I recently became aware of a billing error on my statement. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. I have identified in a billing statement issued on XXXX XXXX, XXXX  in the amount of {$21000.00} should be refunded or credited to me the consumer. According to 18 USC 8 all debts public and private is the obligation of the United States.
Consumer complaint received 2019-12-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Our Company purchased a truck financed through Bank of America in 2019. I am the personal guarantor on the company loan. The vehicle was supposed to be on auto pay from the time of purchase. On XX/XX/2019 the loan was reported as past due and missing payments. Neither My self personaly or the company controller was notified by B of A of the delinquent payments or that the vehicle was not on auto pay prior to the report being filed. I met with our small business banker XX/XX/XXXX after getting the loan paid current to get the auto pay issue resolved. After the meeting our banker emailed me stating the auto pay was in process and the derogatory remarks were being removed. This email was backed up by a call on a recored line in which our banker stated that the issues resulting in the negative reporting were a bank error and should be removed. As of today XX/XX/XXXX the auto loan is still not set up for auto pay and B of A is refusing to correct the credit report. The emails and calls were corroborated by our small business banker to the escalation department at bank of America.
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (TX)

I sent a previous complaint through CFPB, Company stated they would mail information about the account that I have yet to receive. Company also stated that they own the debt. I have never done business with this company. They have not provided any information to prove I owe this debt nor have they shown they have the right to report the information to my credit. The company also stated account was from EXETER FINANCE, however EXTER FINANCE is reporting on my credit also.

Exter Finance is reporting multiple accounts
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XX/XX/2018 XXXX XXXX, OREGON Unauthorized credit inquiry. Credit inquiry made despite explicit instructions not to perform a hard pull. No credit was sought, and I simply entered the business to inquire about cell phone services. I was verbally assured that no credit would be pulled. 

I never exchanged money with XXXX and never had an account with them, yet my credit was pulled despite my explicit instructions not to pull the credit. 

XXXX pulls credit reports without permission or authorization, and indeed pulls them even after being told explicitly not to pull them, and they also lie to your face about pulling credit reports.
Consumer complaint received 2019-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, I filed complaint XXXX-XXXX  about Citibank with the Consumer Financial Protection Bureau. Citibank received the complaint and removed the credit card information from my credit report. I have attached a letter from Citibank that states they removed the credit card information from my credit report. When I reviewed my credit report on XX/XX/XXXX, the credit card information was removed by Citibank. However, Citibank did not remove the hard inquiries on my credit report. The hard inquiries was on my XXXX  credit report. I want Citibank to remove the hard inquiries from my credit report with all credit report agencies. Moreover, the banker that checked my credit said she was only making one inquiry. This banker deceived me as a consumer and was deliberately practicing deceptive behavior. 
The reason the credit card information was removed from my credit report is because Citibank gave me false balance transfer fee information before checking my credit. I only let Citibank check my credit because they shared a balance transfer fee that was lower than the actual fee when I received the credit card. As a result, the hard inquiries should be removed from my credit report as well.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

During XXXX last year, my friend owed me amount of money around {$10000.00}. He told me he could only transferred less than {$500.00} once because he transferred money too frequently so he transfered the total of {$10000.00} with several times. At the end of XXXX, Chase told me they would close my account permanently due to unusual transactions. I went to Chase branch at the beginning of XXXX. Chase told me they would sent the remained balance as check which was estimated at {$2700.00} to me in 10 business days. I have been waiting for 2 months and there is no any response from Chase. Chase also did not tell me the reason why they close my account.
Consumer complaint received 2023-05-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (CT)

In response to case # XXXX - Sallie Mae completely ignored my question which I suspect is on purpose or with coordination. So I will ask again, and use less characters as to not confuse. Question : What were all the credit criteria requirements for cosigner release that Sallie Mae required for in the fall of 2005 when Sallie Mae was the servicer of my private student loan. 
Does not get more simplified.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

I reported a charge of {$430.00} on XX/XX/23 they refunded my money of the {$1600.00} after they found out that I reported them to you. But they still havent refunded the other fraud on my account which is past 10 days. I had a Wells Fargo includ you call me back and oddly enough gives me her contact number. And oddly enough isnt XXXX which is a North Carolina number XXXX sorry why would Wells Fargo call me from North Carolina when Ive been dealing with this in New Jersey?
Consumer complaint received 2023-05-11
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX, 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 2019-01-19
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: BBVA FINANCIAL CORPORATION (CA)

I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in XXXX at XXXX County, for other XXXX charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX ( loan & credit card ), BBVA Compass ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.
Consumer complaint received 2022-12-16
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. (PA)

I appreciate your taking the time to REMOVE some of the unverified inquiries in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXX XXXX XX/XX/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