davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC (NY)

I was asked by eagle home mortgage/ XXXX  XXXX XXXX  , to log on a third party website. This website would automatically log on to my XXXX XXXX account in order for them to Monitor my statement. No only does this leave my account open to security breaches but it is an intrusion of privacy. 

Second eagle home mortgage requested documents from me that were not in my name. They requested a drivers license and or a deed of a family member. When I was unable to provide documents that are not in my name. I was not given a mortgage and never given a denial letter. This would ensure I would not be able to get my down payment back from the related home builder. This mortgage and home builder are related companies and the mortgage co is with holding the letter to be fit the sister builder ( XXXX XXXX XXXX  )
Consumer complaint received 2020-01-17
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. (TX)

As a consumer I have the right to maintain an accurate, up to date, and % 100 true consumer credit report. Please understand that I am fully educated on the Fair Credit Reporting Act. 

As a consumer I am also educated on the dispute process and E-Oscar and I feel that I have invested a great deal of money disputing items that are in error which should not be reporting on my credit report. Experian, XXXX, and XXXX continues to validate propagated errors throughout E-Oscar. No human being is actually handling these disputes and this is just plain illegal. As a consumer my credit report should be % 100 accurate.
Consumer complaint received 2020-01-17
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. (TX)

As a consumer I have the right to maintain an accurate, up to date, and % 100 true consumer credit report. Please understand that I am fully educated on the Fair Credit Reporting Act. 

As a consumer I am also educated on the dispute process and XXXX and I feel that I have invested a great deal of money disputing items that are in error which should not be reporting on my credit report. XXXX, XXXX, and Transunion continues to validate propagated errors throughout XXXXXXXX. No human being is actually handling these disputes and this is just plain illegal. As a consumer my credit report should be % 100 accurate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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.

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 2020-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

To Whom It May Concern, I am requesting investigation by the CFPB regarding " Capital One Bank '' refusal to assist me with my three credit card accounts ( acct # 's XXXX, XXXX & XXXX ) I have with them according to the " Rule 5000 ''. https : //www.fdic.gov/XXXXl I have contacted them on multiple occasions via certified letters and phone calls to advise them I have experienced a severe personal medical crisis that has left me XXXX. As a result, I have not been able to make my minimum monthly payments due to not having the same income I once had as I am no longer able to work and now only have social security as my sole income. 
When I have called requesting assistance, I am told by their customer service reps that there are " no options '' available and unfortunately my accounts will eventually " charge off '' to my credit file. All the while, they continue to add fees and interest increasing the balances. 
I understand from reading online that Capital One does indeed have customer assistance plans and have put other customers on these plans to assist them with their accounts. I don't understand why I am being discriminated against with their refusal to help me and would rather " charge off '' my accounts than offer me a plan so I can pay them. 

I humbly ask that the CFPB investigate this issue on my behalf and advise if further complaint 's with any other governing agency 's for this business is recommended at this time. 

Thank you for your help!
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (HI)

My debit card was stolen on XX/XX/2022. The card was used and charged at numerous locations amounting to a total of {$2800.00}. I did not have access to my phone at the time so I did not see the charges or alerts concerning fraud from Navy Fed. Once I was able to access my account and saw the charges I immediately froze my card and reported the fraud. The person who stole my card attempted to use it again multiple times after it was frozen. Navy fed has denied my claim stating there were legitimate purchases within the time frame that the card was stolen. They also stated that the chip function of the card was used so this does not constitute fraud.
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (ID)

My issue is this. We want to sell our home in Idaho and buy in Colorado. To be effective, we want to do our due diligence to find the best rates and offers. I've picked out 4 or 5 companies and too many of them want a hard credit pull. ( XXXX ) The problem with that is that it dings our credit rating for no reason. It's not like a denial or a loan is issued - we're just looking. The ding occurs just for asking and it dings the rateing 5 % for 2 YEARS. That's not right or fair to a consumer. They all shrug and say that's just the way it is, but I'm wondering why there are articles that say a smart person should shop around if the end result is a ding that lasts for up to 2 years. If no denial, and no loan is issued, why should it affect my score and why on earth should it last for 2 years? I'm not a rich person but have carefully managed my XXXX XXXX above XXXX and don't want to lose that. Nor do I do this type of thing every day, so mortgages are complex and stressful for me. 
With all the truth in lending, these are questions none of them have been able to answer. So I'm asking you, and asking a second question if there are questions I should be asking these lenders but don't know to ask? At this point I'm not sure about trusting anyone.
Consumer complaint received 2023-01-17
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: DISCOVER BANK (FL)

I applied for a HELOC account in XX/XX/XXXX over the phone and they pulled my credit report. On XX/XX/XXXX, I used the only email sent to me by Discover to start loading documents but it only allowed me to enter the same personal info that I shared over the phone in XXXX Once complete, I hit submit and Discover then pulled another hard credit bureau while I already had an open application with them. The email they sent should have informed me that I already have an application but it did not and it pulled a XXXX credit inquiry when it was not necessary. I called Discover and they cancelled the XXXX application but this seems to be a harmful practice for consumers. I find myself to be a savvy consumer and this deceptive practice has probably impacted many other consumers as they are pulling a new credit inquiry when the consumer doesnt understand or want that XXXX pull.
Consumer complaint received 2023-02-03
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. (NY)

I disputed two small charges in XX/XX/XXXX. Chase cardmember services, resolved the disputes and sent me a letter stating they have resolve the dispute and credited my account. They did not credit my account. I kept calling them and they said it would show up later. It never did, I called them today XX/XX/XXXX and they said its too late to dispute now they already sent me two letters saying that they have credited my account when they in fact did not they are giving me a courtesy {$15.00} for being on the phone for two hours with them. That is not acceptable they told me the merchant credited me at other times for different amounts. Those were for different returns and not related to these. They sent me clear letters, saying they credited my account when they in fact, did not say then lied to me, and said it would show up when it never did.
Consumer complaint received 2023-02-03
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: AMERICAN EXPRESS COMPANY (NY)

I rented a car from XXXX  on a monthly subscription. 

As per the terms I was able to cancel the monthly subscription at anytime by returning the car before the new 30 days started ( see attached ) I started the rental the XX/XX/2022 ( see attached ) and the car war returned XX/XX/2022 ( see attached ). 

After returning the vehicle. XXXX CHARGED ME FOR AN EXTRA MONTH on XX/XX/XXXX after the vehicle was returned. 

I disputed the Charge with Amex for the {$1500.00} charged on XX/XX/XXXX Dispute reference number is XXXX I'm my dispute a clearly provided evidence that I had the right to cancel the upcoming month charge by returning the vehicle before every 30 days. 
I provided evidence that the rental started on XX/XX/XXXX. And returned XX/XX/XXXX XXXX charged me for an extra month even though the car was returned saying I did not return it on time. It's clearly false black and white. Everything I backed up with clear documents I provided a doc that states the cancelation policy. I provided a doc that stated when I the rental started. I provided a doc of return confirmation. This is black and white if only someone in the dispute department will be willing to look on it. Not just assign blind codes The merchant was only able to provide a invoice that states i was charged the for XX/XX/XXXX day. In no way did they answer up to my claim that the car was returned on the XXXX which shows on that same statement that they themselves provided to Amex! 

Amex is not investigating anything. As long as the merchant responds no looks even on the document they provided. If they respond they win.
Consumer complaint received 2023-12-02
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. (TX)

FTC REPORT # : XXXX I demand to know who verified these accounts, and the method of verification. Please also be advised that a verbal confirmation from XXXXXXXX XXXX does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( 15 ) business days, I will take further steps to preserve my rights.

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

XXXX XXXX XXXX {$620.00} balance updated XX/XX/2023. No action taken. I have been advising for years that I have never owned a XXXX XXXX credit card. I have been asking for the creditor to provide proof that they have an application with my signature and no application has been produced. 

Southwest Credit Systems/XXXX {$1000.00} balance updated XX/XX/2023. No action taken. I have been advising for years that I have never owned a XXXX device. They are updating this on my credit report as current and accurate information. I have been asking for the creditor to provide proof that they have an application with my signature and no application has been produced.
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

We received a collection debt from XXXX XXXX XXXX XXXXXXXX XXXX  {$310.00}. I have never lived nor requested service for this business. Spoke to the company on XX/XX/XXXX and previously reported this to XXXX  and reqeusted his acct be frozen until further notice. fraud alert was submitted in XXXX of XXXX
Consumer complaint received 2023-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

My loan provider informed me that I owe all my federal debt that I have already paid. They are telling me that I owe this money because a check has been sent from the department of treasury for the amount of my debt, so for some reason that means I owe my full debt. This is affecting my credit score EXTRODINARILY. Please advise.
Consumer complaint received 2022-09-30
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (MD)

I sent a letter to all XXXX credit bureaus on XX/XX/ updating my personal information that is inaccurately being reporting on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.
Consumer complaint received 2020-01-17
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. (FL)

Good morning, an account from XXXX XXXX XXXX {$1300.00} keeps showing on my credit report and I believe it to be fraud. I have not had any business with this company nor authorized anyone to use my information to obtain credit and now this negative account is tarnishing my already great credit rating. Please help me remove this account in a timely manner.
Consumer complaint received 2020-01-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

XX/XX/XXXX- First contact with XXXX. They left me a voicemail stating that have a Case number XXXX that they are filing with XXXX County in Texas on behalf of Ace Checking Cash. Their phone number is XXXX I spoke with multiple people and agreed through their automated system to make 3 months payment to pay of {$640.00} balance. I requested confirmation for setting up the payment, paperwork to validate the debt, and a letter identifying who they are. They refused to send anything. 

XX/XX/XXXX- spoke with XXXX XXXX XXXX Requested an itemize of the amount owed/debt validation letter and a confirmation of the payments scheduled to draft my account monthly. She responded and said they won't send anything until it is paid off. She advised they only way to get what I want is to stop the monthly payments and they will take me to court. I asked her are they able to practice law in the state of Texas and she never gave me an answer.
Consumer complaint received 2022-10-15
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. (SC)

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


15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-14
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.