davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (DC)

I submitted an informal dispute directly to Experian XXXX and XXXX informing them that I have not given my formal permission for the inquiry into my credit file nor written expressed permission contained in a list of companies that i have no knowledge of I ask that this information be removed and or deleted from my credit file the credit bureau s have failed to investigate this matter conduct a proper investigation into the disputed inquiries
Consumer complaint received 2019-08-25
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. (LA)

This account was deleted from my credit and this account does not have my ssn on This account please verifymy correct ssn also it was deleted the bureau is suppose to send me letter stating that it is being re-inserted and why. 
The company does not have my ssn on this account and this is invslid snd a error but still stands on my credit
Consumer complaint received 2020-12-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have been reaching out to Bank of America for over at least two months regarding the closing on my savings and checking account with an amount over {$20000.00} and I am not getting a response from the company they wont give me any information regarding the account closure Ive called multiple times talked over 20 people. I asked him whats the status of the closure they cant give me any information. We are currently in a pandemic and this should not be legal for a bank to hold your money hostage for over two months and not give you any information
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (NH)

According to my credit report of today XXXX XX/XX/2019 my credit report is still showing as me owing XXXX XXXX and XXXX XXXX. However, when I took out a mortgage i had enough money left over to pay, a Bank Loan, and these 2 credit cards. I called up both of the credit card companies and paid off these loans over the phone. My bank statement clearly states that these amounts were taken by them on XXXX XX/XX/2019. On my credit report it says this was updated on XXXX 2019, therefore these amounts should show as 0 but they dont. The bank loan is showing that I overpaid by XXXX but at least they have cleared my bank loan from the credit report. 

I do not understand why it is still showing on there that i owe this money when it shows on my bank statement that they were both paid on XXXX XXXX. This could effect me getting future credit and also badly effect me when i come to go for another mortgage deal on my proper in a few years time. I am not holding out hope anytime soon that they will update this credit record. XXXX ( Now Credit Karma ) i was told was a very good credit rating website by a financial advisor - they are clearly not. I can not find anywhere on their web page a place where i can ask them whats going on and why they have not properly updated my credit rating and my credit report. I now only owe money on my mortgage. How can i get hold of the XXXX / Karma credit people and ask why this is not updated. There should be a contact us option like there is with other companies for situations like this as this has a massive impact on peoples chances of gaining credit / mortgages. I would not advise anyone to use this site at all.
Consumer complaint received 2018-10-10
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: JPMORGAN CHASE & CO. (FL)

XXXX XXXX Balance {$13000.00} Opened On XX/XX/XXXX XXXX XXXX, XXXX. 
Balance {$250.00} Opened On XX/XX/XXXX XXXX XXXX Balance {$38000.00} Opened On XX/XX/XXXX XXXX XXXX Balance {$23000.00} Opened On XX/XX/XXXX XXXX ACCOUNT XXXX Original Creditor XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$930.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Open XXXX XX/XX/XXXX Balance {$640.00} XXXX XXXX XXXX   XXXX Original Creditor XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$670.00}
Consumer complaint received 2021-12-05
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. (PA)

Hello, I hope you are having an excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me. But alas, they have not reached back out to me. I also filed a XXXX day demand letter in order for them to update me on the investigation, but also I have not heard from them. This is very important for me because as stated earlier, I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 

Initial Dispute XX/XX/2021 XXXX  Day Demand XX/XX/2021
Consumer complaint received 2019-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

On XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by First Federal Credit Control by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/2019. To date, First Federal Credit Control is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-03-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX bank of America received XXXX from the mortgage assistant program to pay on principal and interest, soon after they got the money, the got a illegal assignment of deed, using a old county wide stamp, that they was supposed to destroy, after agreeing to do in the national mortgage settlement agreement, also they was barred from filing suit, or any other legal action, because of the 4 year Statue of limitations, the last payment was XX/XX/XXXX, that is when the Statue started, due to the Escalation of maturity on the note, according to the texas Supreme Court ruling this year, the 4 year Statue of limitations applies to mortgages
Consumer complaint received 2018-04-10
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: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX I was contacted by XXXX XXXX about an Credit Card reduction program which assist me with getting my current credit cards into a 0 % reduction program. I was advised by XXXX  XXXX  that the program will cost me {$790.00}. I was told before the company could charge my card I would receive a call from XXXX  for me to authorize the payment with XXXX XXXX before they could process the payment ; however I missed the call as I was in a meeting. On XX/XX/XXXX I seen the charge of {$790.00} pending on my credit card from XXXX XXXX XXXX XXXX, FL. I called my credit card company and spoke to a representative and explain that I didn't authorized the charges as I was informed by XXXX XXXX that I would have to do before the payment could be processed. On XX/XX/XXXX the representative told me I couldn't stop the pending charge and I would have wait to file a dispute or call and ask for a refund from the merchant. On XX/XX/XXXX I called and spoke to XXXX XXXX and she advise she put in a request for a refund I never seen it, I called multiple times and spoke to Manger XXXX XXXX he put in a request for refund and instead of a refund on XX/XX/XXXX another charge posted for another {$790.00} to my credit card from XXXX XXXX XXXX XXXX XXXX FL, which I called XXXX  XXXX   again when I saw another charge pending on my account and told the representative that I didn't authorized this company to charge my card again, why would I let them charge my card again when I am disputing the first charge. The representative would not stop the pending charge again and the second charge posted to my credit card account. I have been disputing this charge with XXXX  XXXX  and the only phone number I had for XXXX XXXX  XXXX XXXX seem to not be vaild as the number is disconnected.
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IA)

The following occurred on XX/XX/2018. An advertisement on the online banking portal indicated I qualified for a {$25.00} gift card. The exact wording was " As of your last statement, you've earned enough rewards for a {$25.00} XXXX  giftcard. '' After believing this to be true, I followed the hyperlinked " redeem now '' button, I was taken to a different product or service from online banking called Chase Ultimate Rewards. I attempted to redeem the {$25.00} XXXX Giftcard, and I was, in fact, not eligible. I went back to the regular Chase online log-in to see if I misread it. The same advertisement popped up again, this time for a {$25.00} XXXX XXXX  Giftcard. I repeated yet again and got an advertisement for a {$25.00} XXXX Giftcard. After clicking redeem now and taken to the Ultimate Rewards program, I was not eligible for a XXXX XXXX  Giftcard, and I was only eligible for a {$5.00} XXXX Giftcard. 

I believe this to be a clear case of a deceptive action known as " Bait and Switch ''.

The three prongs of deception are met in this instance : 1. There must be a representation, omission, or practice that misleads or is likely to mislead the consumer.

I was misled to use the Ultimate Rewards program based on a misleading representation. My intent was to use only online banking, and the advertisement lead me to an entirely different program.

2. The act or practice must be considered from the perspective of the reasonable consumer.

Admittedly, I am not a reasonable consumer. However, the advertisement was clear and deceptive. Anybody reading the words " As of your last statement, you've earned enough rewards for a {$25.00} XXXX  Giftcard. '' would believe they have earned a {$25.00} Giftcard to XXXX.

3. The representation, omission, or practice must be material.

This is an express claim about the benefits of Chase 's Ultimate Reserve program. This claim misled me to use a program I did not intend on using at the time. If I was ineligible for the reward, Chase should have stated that fact with the advertisement
Consumer complaint received 2018-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Despite being a victim of fraud and XXXX having a record of the police reports filed, XXXX continues to report debt 's that do not belong to me, information obviously not being verifying before reporting incorrect information to my credit file, this has been an issue with this reporting agency for a number of year 's now. Information that should be reporting in my file they will not report despite financial institution 's reporting to this agency.
Consumer complaint received 2021-04-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My name is XXXX XXXX & my wife XXXX XXXX applied to HSBC Bank XXXX XXXX. to obtain refinance for existing mortgage with XXXX XXXX. I have a perfect credit rating around XXXX So Everything was going good i submitted all financial documents from work both for myself and my wife who is a XXXX working in XXXX XXXX. I paid {$600.00} for appraisal and HSBC also asked for 2 questionnaires filled out by my XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX. These 2 questionnaires I paid $ XXXX each ( including Coop 's lawyers fees ) Suddenly, its 2 months passed and HSBC reps XXXX XXXX XXXX XXXX XXXX conveyed to me that there is a My XXXX XXXX XXXX XXXX has ongoing lien with another company for approx {$460000.00}. My XXXX has no current mortgage and plenty of funds in reserve account. It has over 1000 apartment average price for each around {$300000.00} - {$500000.00} All these info was transferred to the HSBC reps. The lawsuit/lien is ongoing and there were no judge order yet to XXXX to pay this lien. So as a result, HSBC refused my refinance and send me a letter on XX/XX/2021. As a result of this i lost {$1600.00} dollars ... .. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( NMLS XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX HSBC Bank XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX Mortgage Loan Processing AVP Team XXXX XXXX I HSBC Bank XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX NMLS # XXXX
Consumer complaint received 2020-12-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (NC)

On XXXX XXXX a trial loan modification agreement was signed. On XXXX XXXX a letter was received requesting one final payment to complete the trial modification. Several attempts were made to contact Selene to address the situation and issue was never resolved by any representatives. Please see attached documents for detail
Consumer complaint received 2020-01-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

We had XXXX XXXX financed with USAA and insured by USAA. Car was totaled XX/XX/XXXX ( as it happens, by another USAA member ). Notifed ins co XXXX. Notified bank XX/XX/XXXX. Ins claim dragged on through inept behavior by USAA 's inhouse ins adjuster - not returning calls, not answering phone, in an attempt to play out the clock. They towed car to XXXX   immediately, then back to XXXX XXXX, then back to XXXX  ( 200 miles +/- ) I complained to CEO of USAA stating that the loan was not past due ( due on XXXX XXXX ) but would be soon if they didn't DO THEIR JOBS. On XX/XX/XXXX, a woman named XXXX ( employee number XXXX ) called back saying she is from the CEO 's office. She was vicious. I explained that USAA HAS the vehicle and we're waiting for their insurance company do do their JOBS and pay the claim. She said she didn't care - we have to pay it anyway. I told her no There were 'words '. I hung up on her, told her to stop communicating. She continued to call every other day after that. The insurance company notified me that they'd issued electronic credit to pay off the vehicle on XXXX XXXX. The calls kept coming anyway. USAA informed me that they hadn't credited as of yet. They held the money for many days before showing it credited ( they backdated it to accomplish this ). This appears to be fraud. I have in my possession, a letter claiming we're in default, dated XX/XX/XXXX, and a letter from USAA dated XXXX XXXX stating loan was paid in full. I have emails if you wish them, proving that they received funds on XX/XX/XXXX. 

This is nothing short of mean-spirited harassment and refusal to work with a customer.
Consumer complaint received 2018-04-08
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. (NC)

Hello, I contacted Equifax on or about XX/XX/XXXX after I received my credit report. I noticed a lot of inaccurate information and decided to dispute and ask for validation. I started with inquiries that I did not authorize. I wrote a letter to Equifax and haven't received a response. Under the FCRA 30 days is typical. I was able to get the CEO 's email after my many attempts to call and resolve these have failed. My email went unanswered by XXXX XXXX. 

The FCRA states the only permissible purpose for pulling someones credit report is ) - Firm offer of credit - insuarance - employment - a court order none of the below do, and i repeat none of them had/have my permission to pull. 

- XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX   XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX I have contacted this company via phone, email and USPS more times than i have can count on my fingers and am now asking the CFPB to step in and help me.
Consumer complaint received 2023-03-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (IL)

I'm a victim of identity theft. Someone has my information and bought a brand new XXXX  XXXX XXXX. They took out an auto loan with Wells Fargo. I'm trying to put a stop to all of this. Already froze my credit bureau accounts and made a police report.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I had an existing credit card account with American Express ( XXXX XXXX XXXX  ). 
I logged in to my account and and saw a promotional offer for a new credit card ( XXXX XXXX XXXX ). The offer explicitly mentioned XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I followed the instructions and submitted the application to get the card. 

Once the card was approved and showed up in my account, it turned out that it does not offer the advertised XXXX XXXX XXXX XXXX! 

I contacted American Express and they told me that this is because my previous card had already offered this feature and therefore they can not offer that feature to me a second time! 
This explanation is unsatisfactory. If that is so, then why was such a feature offered to me for the second card? The offer was made as I was logged in to my account. Meaning they already had all the information about my account history. They did not have to make such an offer if I wasn't qualified. 

This is false advertising and bait and switch. Plain and simple. Now I have a new hard inquiry on my credit report and more importantly I have a lower average credit card age due to a new credit card issued. Both will negatively impact my credit score. I would not have signed up for this card if it wasn't for this particular feature. 
Furthermore, I also can't close this card without having a significant negative impact on my XXXXredit score due to account closure.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2022 I took a look at my consumer report ( attatched ) and noticed a negative account being furnished by your company. I am requesting Validation of the debt. 
I will need the amount of the debt, the creditor to whom the debt is owed, Proof that if you mailed me a statement putting me on notice that I had 30 days to respond or you would assume the debt is valid. I am aware that I was not notified within the 30 day period. and I am making it clear to your company that I am disputing this alleged debt. Because your company failed to do so, I am requesting your company to provide me with the name and address of the ORIGINAL creditor. Please be mindful that statements are not proof of claim. If you can not provide me with this, you must delete this from my consumer report immediately,.
Consumer complaint received 2021-12-05
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. (PA)

Hello, I hope you are having an excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me. But alas, they have not reached back out to me. I also filed a XXXX day demand letter in order for them to update me on the investigation, but also I have not heard from them. This is very important for me because as stated earlier, I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 

Initial Dispute XX/XX/2021 XXXX Day Demand XX/XX/2021
Consumer complaint received 2019-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one bank USA ran a hard inquiry on my credit and I did not authorize this inquiry. I have not applied for any loans or credits with this institution or any other institution at this time.