davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

On or around XX/XX/2022, I had applied for a credit card, and was denied because they said they were unable to verify my Identity. After a long investigation, the bank informed me that on my Lexis Nexus report they pulled when I applied for the credit card shows, that I have 2 social security number. I reached out to Lexis Nexis and spoke to someone on the phone, and she states she could not find such, but she sent me a copy of my report. I have looked and I don't understand how to read the report. On XXXXXXXX XXXX, I re-applied for the same credit card, and was told they could not verify my identity because Lexis Nexus is showing I have XXXX XXXX XXXX XXXX. I need this issue fixed and I can't get anyone at Lexis Nexus to understand and help me with this.
Consumer complaint received 2022-06-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Americas Car-Mart, Inc. (MO)

I purchased a XXXX XXXX XXXX at Car Mart in XXXX, MO and have tried to get the interest rate adjusted under SCRA to 6 % as this purchase was pre service. I spoke with the Finance Manager on the XXXX of XX/XX/XXXX while with my Financial Counselor, and they stated that they were going to reach out to their headquarters for more information regarding SCRA benefits and they would contact me. It has been over a week now and still no resolution to my request. I do not understand why it it taking so long for their response. This is a Federal law which is very clear.
Consumer complaint received 2022-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

PHH MORTAGE IS MY SERVICE LOAN I HAVE try to talk to them they never pick up the phone the line sare always busy i been trying to talk to them about XXXX i GAVE APPLY FOR THE GOVERMENT PROGRAM TO COVER THE XXXX PAYMENT I AM BEHIND THEY HAVE ON PURPOSE DELAY THE PROCESS OF RECEIVING THE MONEY FROM XXXX I HAVE spoken with the legal department from XXXX in XXXX and they have confirmed they send the XXXX to phh mortgage they have refuse to accept the money becase they want me to get forclosure on my house, they have denied XXXX modification i applied on 2022 and they have denied forbearence plans they have refuse to work with me the investor wants to accelerate the forclosure process and they have declined to reveice the funds from teh goverment program I got approved, on XX/XX/2022. I need help please this is a predatory lender that want to forclosure on my house and have my XXXX children in the street. they have made several error in the taxes they owne money from a error payment from the XXXX XXXX treasurer, but most importantly they been rude and deniind to call me back wih update status they keep saying they have not receive tghe money wheh XXXX have sent the monjey to them
Consumer complaint received 2022-06-03
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. (NH)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, 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 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-06-03
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: HUNTINGTON NATIONAL BANK, THE (NH)

Huntington National Bank  XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, Huntington National Bank, 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 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I contact XXXX XXXX XX/XX/2020 I told them that this inquiry was not authorize.
Consumer complaint received 2020-04-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

I called penny mac usa Twice about this. 

I changed my payment account to savings ( instead of checking ) The payment was still withdrawn from checking even though I modified payment week in advance. This caused overdraft and payment wasn't applied Tried calling 2 times about this. Even escalated to management. Worried about fees/impacted score but the Company was too incompetent to rectify their mistake on the phone. 

Looking at legal options to formally notify them and have someone competent fix the issue.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (TX)

PNCs takeover of BBVA Compass has been a nightmare for our family. Its also been terrible for our business ( payroll for almost XXXX people! ) but I will stick to our personal banking situation. Our debit cards do not reliably work for transactions in person, online, or for ATM withdrawals. Weve resorted to always carrying an XXXX XXXX card with us at all times. Weve had major and minor transactions declined and feel as though our money is held hostage by PNC. In conversations with various retailers at the point of sale they say that they hear complaints about PNC all the time. I handed my card to a gas station attendant a few moments ago and she said oh I hate this bank.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I've bean making payments in advance to my credit card I've made 4 payments to my capital one secured credit card the limit of my credit is XXXX and I've bean monitoring my transactions The negative is my payment which show in my balance before I spent over XXXX dollars I added XXXX which showed negative XXXX and became my balance besides the XXXX I put there first making XXXX in my balance XXXX minimum down to recieve the credit is not shown on the ballance but the XXXX I placed was I spent before putting in a payment of XXXX dollars XXXX $ and that was my XXXX payment my first was XXXX the next was XXXX and after that was XXXX the last was XXXX Before that posted XXXX is what I counted in spending with my transaction history XXXX plus XXXX added to XXXX is XXXX When subtracted from XXXX Its XXXX My money is being laundered After paying off my credit line Of XXXX I should have another XXXX available even though XXXX is positive spending I should've had at least XXXX in credit available but instead my credit was XXXX And it became XXXX when XXXX dollars were processed. 

Which looks acceptable because I spent it But it should have bean added to the XXXX dollars owed in credit All my early payments left a prompt of no payments due And that XXXX dollars should've been added to what I spent in credit before I spent it again Towards me paying off my credit to spend it again XXXX not given in credit or used in my cash advance is missing and I have documents to prove it I'm being told that my balance is what I owe when it's only a portion of what I've put into my account I know my transaction history is what I owe I have no interest rates because I've never bean late on payments This fits with an article sent by the doj it's called holding financial institutions accountable for fraud I'm missing XXXX in credit I should only owe XXXX dollars I've paid in total XXXX None of it is due my credit should be XXXX $ in total and its construed as exceeding my credit limit Which concerns me with the financial/mathematical capabilities of the operaters as well as reading and language skills Also XXXX XXXX concerns me those recieving XXXX XXXX XXXX should operate If it's not a scheme its completely oversighted due to its benefits and if it is the doj state that it's the same Being XXXX  challenged means a relentless XXXX  to try and perform XXXX  when its a war already lost The persistence is tiresome
Consumer complaint received 2020-04-06
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. (CA)

On XX/XX/2020, I disputed accounts online with TransUnion. Todays date is XX/XX/2020 and I have not received a response. They are in fact past the 30 limit according to the FCRA. These accounts must be removed.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (UT)

XXXX I was invited to apply for a credit card with the promotional offer of XXXX points and {$200.00} statement credit if I spent {$500.00} in first month. I applied and was approved. 
XXXX I received a promotional email inviting me to apply for the same card I was just approved for. The promotional offer is spend {$5000.00} within first 3 months and receive XXXX points AND companion pass. 
XXXX I called to see if there was any way I could get the better offer. I was told that I could and to allow 1-2 statement cycles for the promotional change to take place. 
XXXX I call to check the status of the promotional change. I was told that the order wasnt submitted previously because I hadnt met the {$5000.00} spending requirement when I called initially ( I dont think that should have mattered since the offer said the spending needed to be completed within 3 months ). The rep submitted my request and told me to expect a letter in the coming weeks. 
XXXX I review a letter from Chase dated XX/XX/22 stating that my account isnt eligible for the offer. I called to see if someone could make this right. Everyone just told me Im not eligible. I was eligible to be approved for the card. I was eligible to receive the promotional email for the better offer. I have already met the spending eligibility requirements for the better offer. If there is another eligibility requirement. That has not been communicated to me and I believe that is a UDAAP violation.
Consumer complaint received 2021-12-17
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: Fidelity National Information Services, Inc. (FNIS) (CA)

On XX/XX/21, XXXX XXXX alerted me to a new inquiry on my credit report with XXXX. This Hard Inquiry was from XXXX XXXX with which I have no relationship ( never did ) and I had not authorized this request. I submitted a dispute with XXXX, however they refuse to remove it from my report. Subsequently, I received a letter from XXXX XXXX XXXX XXXX ( attached ) telling me that they have received a request to open an account which XXXX XXXX believes is fraudulent. Therefore, I filed a report with identitytheft.gov which instructed me to request my Credit Report from ChexSytems. This report ( attached ) shows 6 other banks/credit unions which have requested inquiries, NONE of which are from me. These requests have inaccurate phone numbers and SS numbers on most of them. I realized that the problem was much bigger than I thought -- -hence, I am filing this report.
Consumer complaint received 2020-04-06
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: JPMORGAN CHASE & CO. (MI)

Jpmcb Card XXXX, DE XXXX ( XXXX ) XXXX I was logged in to my Online Business Checking Account when i thought it was an Pre-Approval Process to get a Chase Business Credit Card Not A Hard Inquiry Which ended up to be a Hard Inquiry
Consumer complaint received 2020-04-06
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Property was damaged or destroyed property — 
Company: CASH AMERICA INTERNATIONAL, INC. (AL)

XXXX Cash America Pawn i pawned 3 diamond rings in XX/XX/XXXX on XX/XX/XXXX at XXXX i went back to redeem with cash only 1 ring # XXXX was my actual ring I redeemed it the other 2 ring # XXXX, ring # XXXX was NOT mine i called XXXX  XXXX  XX/XX/XXXX at XXXX to complain i was told not to call the police someone would contact me right away.. No one did..on XX/XX/XXXX at XXXX i called XXXX  XXXX  & was told my case was  closed I said no way reopen it on XX/XX/XXXX I sent 2 demand letters for a Refund to XXXX & XXXX  XXXX giving them til XX/XX/XXXX to reply.. No Reply.. on XX/XX/XXXX XXXX i called XXXX  XXXX several times i was told they did not have to answer " a cilivan '' and stop calling them or they would block me and they DID BLOCK my number from their 800 # Cust Serv and 800 # XXXX  XXXX i have stock in this company and this is how I have been ripped off of original property and my money paid to them cash with 44+ receipts and all paperwork to prove it.
Consumer complaint received 2022-06-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

I need to see video of my Tuesday, XX/XX/2022 visit from XXXX XXXX  to XXXX XXXX at the Chase branch XXXX XXXX XXXX XXXX, XXXX XXXX. I made a deposit but the teller unusually asked for my ID and I explained I was making a deposit because Chase removed ( stole ) my account online without notice claiming it was inactive. The teller asked me to wait and unnecessarily instructed me to see the banker. The banker said the account was still dormant despite the deposit and unnecessarily instructed me to blindly enter my social security number in the computer even though she already had my ID and deposit slip and I mentioned I had my Chase credit card and bank statements with me!!! My ID and bank statements may have been compromised as they were exposed for an extended period of time and the banker left the office while I was messaging Chase on my phone. She even asked me if I work in the area and if I work at home!! Both the banker and the branch manager refused to provide a printed confirmation!!!! 

Since the deposit slip didn't include the balance, I asked for the balance but the teller gave the balances for my other accounts instead of the one I asked for and it didn't even include the prior balance before the deposit!!!! 

Chase stole my account without any notice but thankfully I noticed this savings account wasn't appearing on my online accounts though Chase still hasn't apologized, explained, compensated, ensured the security of my accounts!!!! Chase even further aggravated and forced me to jeopardize my health, safety, privacy, security in addition to my ID, accounts, and all with time and energy I don't have!!!!

Please note their fraudulent practices include withholding their company name so I have no idea whether it is JP Morgan Chase or Criminal Fraud
Consumer complaint received 2020-04-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

We were with XXXX XXXX XXXX  and started to refinance through them. They were pushing our closing date giving us different excuses. They then said they were short handed. They started XX/XX/XXXX the process and in XX/XX/XXXX we decided to change to a new company to refinance as it was taking too long. We started the process with XXXX XXXX XXXX end of a XXXX beginning of XXXX. XXXX XXXX XXXX  were taking a long time to send the information required and did not release the appraisal. While in the middle of everything we received a letter from Freedom Mortgage saying they were sold out loan by XXXX. Now we could not complete the refinance with XXXX XXXX XXXX as Freedom Mortgage had to get everything in their system. We started to request payoff paperwork since XX/XX/XXXX from Freedom Mortgage. My wife called 2 times between XX/XX/XXXX and XXXX and was told it would be sent. My wife called Freedom again the next week. I called on the XXXX of XXXX and told it would be sent. Meanwhile XXXX XXXX XXXX had sent request by fax to Freedom during the month of XXXX. I called again XX/XX/XXXX and was told it was faxed already to the number on a fax from XXXX XXXX they received on XX/XX/XXXX. But it was not faxed nor e-mailed to the numbers and e-mail I requested. I was told it would be sent the next day on the XXXX. It was not so I called again on the XXXX and I was told it was escalated and it would be e-mailed and faxed on the XXXX a Saturday and it was not. I called on Saturday the XXXX and I was told the system showed it would be sent on the XXXX. I told them what was happening and they told me to call again Monday morning. I called this morning the XXXX of XXXX and was told it was going to be e-mailed and faxed tomorrow the XXXX as it was in their system. I told them that I have been told this for weeks and given different dates every time I called. I had to pay for an extension to XXXX XXXX XXXX  for this and this has delayed my closing. Today I asked to speak with a manager and Freedom out me on hold for over 30 minutes. They came back and told me it was finally e-mailed. I did receive the payoff information finally after speaking with them for a month.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I contacted XXXX  XXXX XX/XX/2020 stating I did not authorize this inquiry on my credit report.
Consumer complaint received 2020-04-06
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)

Application for new credit card was submitted but credit bureaus ( all 3 ) had wrong phone number for me. Hard inquiry was submitted 3 times. Once problem was corrected credit card company agreed to submit request to remove the first two hard inquires. The only credit bureau refusing to remove the mistakes was Equifax, The other two credit bureau have successfully removed those inquires. I have even sent a copy of the letter from the credit card company which was furnished to me to Equifax by certified mail with return receipt. They are still refusing to remove those hard inquires. Inquires were from XXXX XXXX XXXX  dated XX/XX/2019 and XX/XX/2019.