davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

Citi has reduced my card limits multiple times. Ive never been late and rarely carry a balance with Citi thats not on a promo. The major issue Im having are the times in which Citi chooses to reduce credit lines. During a global pandemic which was most recently. And also during hurricane irma. As a XXXX  resident I find that Citi is honestly not for the people. Ive only been late as if recently due to having a son born at XXXX  months who is still currently in the XXXX. The line reduction from Citi has negatively impacted me and caused me to lose my dream home that I had under contract previously. I reached out to Citi and they did not care
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

My name is XXXX XXXX, I recently started working with a XXXX XXXX XXXX in XXXX Texas, and last night I reached out to my boss to see if there was anything that needed done today. This morning ( XX/XX/2024 around XXXX ) I received a text message from someone impersonating my bosses son ( another member of our team ) asking to pick up XXXX gift cards for a client, the amount totaling {$2000.00}. After being asked to do this again I became suspicious and realized this was probably a scam. I quickly got in touch with XXXX, and they were able to verify the cards had been redeemed. I then reached out to Wells Fargo. Just got off the phone with the second individual at Wells Fargo who told me something completely different than what the gentleman that initially filed my claim told me. She told me there are no " dispute rights '' associated with the case, and to call the police. She then said the claim had been denied ( roughly 30 minutes after submission ), but the charges to my card were still pending. She advised I call back once the amount had been officially charged to my account and was no longer pending to see if they could help further, but implied there was nothing they could do. None of this makes any sense to me. I have never been scammed before, and am extremely concerned over this matter. Given the fact this was a fraudulent charge brought on by a scammer ; I had hoped my bank of 20 years would be able to help. Any assistance here would be greatly appreciated.
Consumer complaint received 2020-04-06
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I talked with Capital one on XX/XX/2020 about a Recurring charge ( XXXX  XXXX  {$510.00} ) to my account that I wanted removed. I am under contract with the merchant but want the merchant to bill me directly ( by mail ) instead of my credit card. after several attempts to contact merchant I called capital one to cancel the recurring charge. They asked me if I had talked the merchant but and I told them I can not get my agent with the merchant to respond. Capital one then told me that they can not stop recurring charges due to a recent new policy due to the corona virus. They explained that they are not stopping any recurring charges at the present time. I feel totally out of control of my own money here. Is this legal??
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (NJ)

WE HAD A 30 YEAR CONVENTIONAL MORTGAGE PAYING XXXX DOLLARS PER MONTH WITH XXXX OF PRINCIPAL. 

IN XX/XX/XXXX OUR MORTGAGE WAS HIJACKED IN THE BIGEST WELTH TRANSFER SCAM IN HISTORY. 

FROM XX/XX/XXXX TO XX/XX/XXXX WE WERE NOT ABLE TO MODIFY THE EXISTING MORTGAGE. 

FINALY IN XXXX ARVEST MODIFIED THE MORTGAGE BY ADDING THE {$85.00} XXXX IN ARREARS TO THE ORIGINAL 30 YEAR MORTGAGE. 

THIS IS A FRAUD. THE XXXX SHOULD HAVE BEEN REPAYED WITHOUT TOUCHING THE ORIGINAL MORTGAGE. 

WE ALREADY PAYED THE XXXX DOLLARS WITH INTEREST. 

WE WANT OUR ORIGINAL MORTGAGE BACK.!!! 

BUT NOW WE HAVE XXXX PART 2 WHICH WILL BE MUCH WORTH THEN XXXX. 

STOP THE GREED OF THE SHARKS!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2020-03-26
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)

I looked over my credit report recently and I saw some accounts that are being reported on my credit file but are false. These accounts are derogatory and do not belong to me. I also have no knowledge of who would have access to my credit file. Due to these accounts, I now have no chance of acquiring new credit. I am pleading for a reinvestigation into this matter and to have these derogatory accounts removed from my credit report.
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

With the Coronavirus synchrony bank said they were offering help. With the virus and customers struggling I needed to defer this months payment with. No interest to be charged when I called phone hung up on me over and over. Except for making a Payment advised to go online waited an hour they said couldnt help to call. There was no help given to my family. With chase bank I received help. I dont feel in these terrible times that interest should be charged at all by the banks. Secondly there was no one to talk to. Other banks more supportive.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi my name is XXXX XXXX and I'm a authorized user on my husband XXXX XXXX XXXX XXXX card but I disputed it because it had the wrong credit score I didn't want them to remove my account from transunion I want them to put it back like it was without charging me a fee thank you
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have applied residential mortgage loan to Wells Fargo bank for the refinancing. I submitted all the documents per their instruction on XX/XX/2020. After that, Bank loan officer, XXXX XXXX asked me to pay appraisal fee ( {$610.00} ). On XX/XX/2020, I received a declined letter. During the process, I never communicated with the loan officer or underwriter at all. Due to their unfair and unreasonable business practice, I requested the refund of appraisal fee to the loan officer by email. Right after that she called, saying she is going to request the refund to the bank. After that, I received a call from XXXX XXXX, Executive Resolution Specialist on XX/XX/2020. She said the bank can not refund no matter what. They only pre-approve the loan for purchase case. 
I am former bank loan officer. I have been in the financial industry over 30 years. I never experienced this kind of unreasonable business practice. It is worse than small residential mortgage brokerage company. They don't have business ethics. I think their loan processing system needs to be fixed. It is totally wrong. 
( Now that I am filing the complaint to CFPB, they sent some document copies with letter to me to cover their XXXX dated XX/XX/2020 ).
Consumer complaint received 2024-03-14
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. (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. 

Account Name : XXXX XXXX  : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-04-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I disputed a collection on my credit report on XX/XX/XXXX. A company name XXXX XXXX XXXX stated i owed them {$7000.00}. The account was removed sometime between XX/XX/XXXX and XX/XX/XXXX. Today XX/XX/XXXX a new company for the same debt was readded back to my credit report. No letters sent to me stating why.
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. (IL)

I have disputed the unverified and inaccurate account from Chapter XXXX Bankruptcy with Equifax on XXXX XXXX, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof of my obligation of this alleged debt as requested. 

I believe this account does not belong to me. During the time I was disputing this account, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this account does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I had a second mortgage with XXXX XXXX XXXX in 2006. The home was illegally foreclosed on and charged off years ago. Now XXXX XXXX XXXX just started reporting late payments on my credit again as if the account is re-opened. They just reported me 120 days late and dropped my scores. XXXX XXXX XXXX also re-aged the account.
Consumer complaint received 2020-03-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (NV)

I paid off a XXXX on XX/XX/20. I was told at the time that it takes some days to get it settled on their end and to give it until XX/XX/20. I called today XX/XX/20 and was treated very rude when inquiring about the status. I spoke with XXXX, XXXX, XXXX and XXXX. After speaking with XXXX today who told me it would be more time I asked to.speak to a supervisor. I got XXXX. Not only was her lying to me but he was very rude, got loud and ultimately hung up on me. He would not tell me his last name nor his supervisor. I want all the calls listened to!
Consumer complaint received 2020-04-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Purchased a car from credit acceptance back in XX/XX/XXXX. At first everything was fine I was paying {$370.00} a month if I couldn't make the payment I did an arrangement online. So skipping to XXXX every since XXXX of XXXX all they do is call and call even after making payments. They called yesterday telling my grandmother that the payment is about to be two months behind which is a lie they constantly harrass for no reason at all telling her lies and threatening to repo the vehicle when it's not even one month behind. I really want to get rid of them I don't want anything to do with that company they need to be closed down they are fraud. Then the world is in a pandemic dealing with Covid-19 and they bothering us for nothing it's bad enough one job laid me off I'm praying that's all that happens as of now. They don't care about the customers at all they should be punished they have done a lot of fraudulent things to people had I known all this I would have never gotten anything from them.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a second mortgage with XXXX XXXX XXXX in 2006. The home was illegally foreclosed on and charged off years ago. Now XXXX XXXX XXXX just started reporting late payments on my credit again as if the account is re-opened. They just reported me 120 days late and dropped my scores. XXXX XXXX XXXX also re-aged the account.
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (PA)

I had a closing for a house on XX/XX/2018 I had a problem with the real estate agent the closing company and the mortgage company all working together to Defraud me and overcharge me in many different way Violating many of the respa laws. XXXX XXXX  XXXX settlement company and Primary residential mortgage.i believe I am a victim of fraud at my closing.I have three different settlement statements I was told by my title company that I forgot to sign a HUD  form for the sellers morgage company in a short sale the day after closing. And they sent me a letter to sign giving them power of attorney to sign the HUD-1 form.i later requested a copy and all the fees were different. I have proof of everything and I believe the real estate agent mortgage broker and Title Company were all working together. The real estate agent was also trying to tell me that I had to pay the property taxes in advance and reimburse the sellers the same amount for taxes they paid in advance and the same time paying them to Escrow account so they were trying to charge me 3 times. And they charged the seller for the same thing and the mortgage company told me that I must not try use another mortgage company because if they run my credit it will lower my score and I will loss the short sale and Also she was trying to talk me out of putting a {$50000.00} deposit and I couldn't understand why till I realized that she would make more money with a larger mortgage.and the interest rate was not 4.5 like they told me it was 5.75 I have all the hud statements even the one they sighed for me without me being present.it is very confusing and it took me months to figure it out .and the last thing they did was Camouflaged a huge crack in the foundation and the settlement of the house would with shelves and household items they left with for the purchase. XXXX XXXX purchased the mortgage from primary residential mortgage I submitted a claim for XXXX XXXX about the different Hud statements they did their investigation in 20 days and send me a letter stating that everything looked good which I'm a 100 % positive that each item they charge me for is different.that why I am contact this agency
Consumer complaint received 2019-11-12
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: BARCLAYS BANK DELAWARE (CA)

Brclysbankde XXXX, DE XXXX Per my credit report, this organization has ran my credit 7 times in the last 8 months. I've never heard of Barclays and have not provided them my personal information to allow them to run my credit. This are fraudulent inquiries and must be deleted.
Consumer complaint received 2024-01-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: General Motors Financial Company, Inc. (NY)

My State ID and Social Security Card was stolen from the year of 2018 any account and Vehicle under XXXX XXXX XXXX ( XXXX XXXX ) under Social security number XXXX please close terminate foreclosure all services. You may contact me XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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. (NC)

About XXXX  years i decided to monitor my credit report because I was interested in becoming a mortgage loan originator and I knew they will check my finances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) upon checking my credit report I immediately saw inaccurate information, names, accounts that I have never seen a ridiculous amount of inquiries soft and hard mostly for cars, loans, credit cards and mortgages when I never initiated any of it. I downloaded the experian app and it proceeded to tell my information was sold on the XXXX XXXX I contacted all three credit bureaus via phone to alert them and freeze my reports but the dings to my credit didnt stop at all. I disputed each one on the app and I sent letters to prove it wasnt me and they still left the information there. This is hurting my livelihood overall and preventing me and my children the life I work hard for everyday and I would like all of the inquires and accounts of my credit report stemming from XXXX.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (CO)

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. 


Account name : XXXX  Account Number:XXXX Account name : XXXX XXXX XXXX Account NumberXXXX Account name : XXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX  has violated my rights. Or list of inquiries 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 2022-12-28
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. (MS)

I've sent an affidavit to XXXX, XXXX, and Equifax showing my identity was compromised. I sent a death certificate and identification of the person who opened the accounts. I also sent my identification and they have done nothing. There are many names on my credit reports that are not mine. I verified MY identity but the names still remain. I have been in a paperwork battle with the XXXX credit reporting agencies since XXXX of 2022. They refuse to resolve these issues