davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

XX/XX/XXXX, I saw a {$380.00} charge that wasn't ours. Call USAA immediately & notified them. The card was identified as my wife 's and blocked. They told me that the money would be replaced in 1 or 2 day 's.

XX/XX/XXXX, I called USAA to inquire about the money & was told that they didn't know why the Adjustments Dept didn't put the money in but that they were still investigating it. 
XX/XX/XXXX, We received my wife 's new debit card. She discovered that it was missing. Know that I have already called in the claim I didn't think to call USAA.

XX/XX/XXXX, Still no money so I called USAA where I was told that the case was closed because the charge was completed using the chip. I explained that to USAA and they updated the case and again stated 1 or 2 days to put the money back in the account. When asked why we were not notified of the case closing, the representative did not know why.

XX/XX/XXXX, Still no money. The representative stated that no new updates from the Adjustments Dept. & didn't understand why they didn't put the money in my account yet. I was also told that the Adjustment Dept. notified my wife 's INACTIVE account of the case closure. No e-mail, phone call or text.

XX/XX/XXXX, Still no money. The representative stated that no new updates from the Adjustments Dept. & didn't understand why they didn't put the money in my account yet. But also told me that they have no way of contacting the Adjustments Dept. other than through there notes process. so she asked that they call me in 24 to 48 hours with why it's taking so lone.

XX/XX/XXXX, Still no money. The representative stated that no new updates from the Adjustments Dept. & didn't understand why they didn't put the money in my account yet. Again I was told that they have no way other than the notes to interact with the Adjustment Dept.

XX/XX/XXXX, Still no money. The representative stated that no new updates from the Adjustments Dept. & didn't understand why they didn't put the money in my account yet. Again told that they can't contact the Adjustment Dept. & still no update as to what is going on.
Consumer complaint received 2019-01-18
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. (PA)

There is a business credit card with XXXX ( it was a MasterCard,  then XXXX converted it to a Visa despite the company 's objections ). Several  times a few years ago, XXXX confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told XXXX about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's. After complaining to a manager or supervisor, XXXX promised me on a recorded call ( and in a written response ) that they would pull all secure messages from my archive and provide them to me. I have that in writing and can provide that to the CFPB upon request. They now are ignoring this issue and claim that they can not get the messages they promised to me. Moreover, they confirmed that they do not have any signature of mine or anything verifying my identity for the opening of this account that supposedly was done using my social security number. There were other instances of fraud where they changed this account number, and they have no proof that I opened this account or that I ever agreed to be personally jointly and severally liable for it. Accordingly, they should take this account off of my personal credit report. XXXX should remove the reporting of this account from my personal credit reports ( XXXX XXXX, Equifax, etc. ) and handle this with the company whose charge this belongs to. XXXX should also compensate me for the damage it has done to my previously impeccable credit report.
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There is a business credit card with XXXX ( it was a MasterCard,  then XXXX converted it to a Visa despite the company 's objections XXXX. Several times a few years ago, XXXX confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told XXXX about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's. After complaining to a manager or supervisor, XXXX promised me on a recorded call ( and in a written response ) that they would pull all secure messages from my archive and provide them to me. I have that in writing and can provide that to the CFPB upon request. They now are ignoring this issue and claim that they can not get the messages they promised to me. Moreover, they confirmed that they do not have any signature of mine or anything verifying my identity for the opening of this account that supposedly was done using my social security number. There were other instances of fraud where they changed this account number, and they have no proof that I opened this account or that I ever agreed to be personally jointly and severally liable for it. Accordingly, they should take this account off of my personal credit report. XXXX should remove the reporting of this account from my personal credit reports ( XXXX TransUnion, XXXX, etc. ) and handle this with the company whose charge this belongs to. XXXX should also compensate me for the damage it has done to my previously impeccable credit report.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I was looking over my credit report & noticed some errors. I've misplaced my credit report since then and would like to receive another copy. I have attached my ID & SS card. My address is XXXX XXXX XXXX XXXX, Ohio XXXX.
Consumer complaint received 2019-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I used my XXXX Chase credit card to make a purchase through XXXX in order to fly with my parents ( my father was very ill ) from XXXX. I later was charged a total of {$630.00} ( {$210.00} per ticket ) in fees. I would've used any other card for this, but because this is a XXXX card and I booked through XXXX I understood that there would not be any other fees. The fact that I was charged {$630.00} because I was told I should use my XXXX card for XXXX or Mileage Plus purchases is misleading and defrauding me with these fees.
Consumer complaint received 2019-11-13
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. (CA)

Chase Bank has a promotional program called Chase Offers that provides special cash back on purchases made with a Chase credit card at selected merchants. The amounts of cash back vary but are usually between 5 % to 20 %. In XXXX, Chase gave me an offer of 10 % cash back on purchases up to {$70.00} at XXXX XXXX, a supermarket chain. In my county, XXXX XXXX County, California, XXXX 'XXXX  stores are all named XXXX XXXX XXXX. There are no stores actually named " XXXX 's '' anywhere in my county or on the XXXX XXXX XXXX ; they are all named XXXX XXXX XXXX. XXXX 'XXXX  stores have various names depending on the area they are located in, such as XXXX XXXX XXXX, XXXX XXXX, or XXXX 'XXXX, but they are all part of the same company. The company 's single mobile phone app even shows all three names. Therefore, I assumed that the Chase Offer at XXXX 'XXXX  would apply to purchases at XXXX XXXX XXXX, given that there are no actual stores named " XXXX 'XXXX  '' in my area. I made a {$70.00} purchase on my Chase credit card at the XXXX XXXX XXXX supermarket on XX/XX/2019, expecting to receive {$7.00} cash back for the Chase Offer. But Chase denied the cash back, saying the purchase had to be made at an actual XXXX-named store. I asked for an escalation, but they never responded. I feel their promotion was very deceptive, given that they made me an offer that I could not actually fulfill in my area, and that I was tricked into making my purchase.
Consumer complaint received 2020-09-24
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. (CT)

On XX/XX/2020 I received a bill from XXXX XXXX XXXX store credit card. Showing an opened credit card for credit limit of {$1500.00} and balance owed of {$1300.00}. I never opened this account nor did I purchase or receive any merchandise from XXXX stores. 
XX/XX/2020 Case # XXXX. I submitted a dispute through my Experien credit report. I do not know how anyone can open an account with my name. I tried to find a contact number to reach the bank but none was found. I do not even have the complete card number to even talk with the bank. Therefore they want me to provide my social security number and I refused to give it out since this account is fraudulent. 
On XX/XX/3020 Experien credit reported that my dispute was closed and complete. They stated that the information was accurate. 
Im unemployed and my husband is a retired XXXX  and receiveds XXXX   XXXX  XXXX income. We live on a fixed income. I do not know how this account was opened and I certainly never purchased {$1300.00} worth of merchandise. I can not afford to pay this bill since it is not mine. I do not know what else to do. I do not want my excellent credit rating to be effected by this fraudulent account.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (MI)

I was taken advantaged of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me finical injury, along with defamation of character I am unable to obtain my dream job due to these actions, I am completely unable to receive any lines of credit, these actions has also cost me any hope of receiving any XXXX loans to help me through this crisis
Consumer complaint received 2021-08-18
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. (PA)

I looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. XXXX, Equifax and XXXX  is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and XXXX, Equifax, XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.
Consumer complaint received 2019-01-18
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: SYNCHRONY FINANCIAL (CA)

Ive tried several times contacting all 3 credit bureaus to get hard inquiries removed from my credit report to no avail. Each bureau told me that they can not remove any inquiry, and that Id need to contact the creditors myself to get them removed. When I contacted these creditors, they also told me that they can not remove them, and that Id need to contact the bureaus to get them removed. Both sides are giving me the run around. I do not and have not owned any lines of credit with the creditors in which these inquiries come from. There are a total of four inquires from XXXX, XXXX/XXXX  ( PayPal  ),  XXXX, and XXXX.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/2021, my husband and I stayed at the XXXX XXXX and XXXX in XXXX XXXX, XXXX for three nights. At check-out on XX/XX/XXXX, we paid cash XXXX XXXX XXXX for our stay. The desk clerk had already charged my credit card without previously informing us. When we realized the error ( at check-out ), we asked for a credit to my credit card which the hotel gave us along with a paper credit receipt with authorization code, etc. The credit did not appear on my credit card and I inquired with my credit card company as to when this credit would appear. They indicated that they had no record of a credit from the XXXX XXXX. I waited the required two weeks, I contacted the vendor ( XXXX XXXX in XXXX XXXX for additional documentation, and I filed an online dispute with my credit card company by uploading my credit documents. Over the past few weeks, I have spoken with several customer service reps at the credit card company -- they assured me that the matter was being handled. On XX/XX/XXXX, I received a letter from my credit card company stating I would not receive a credit because I had not provided any documents, and the case was closed. In my phone conversation with a service rep on XX/XX/XXXX, she stated that this was their error, bu there was nothing she could do.
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

In light of new documentation received by XXXX  regarding disbarment date for the entire life of these student loans Acct # Remove Late Payments & Correct Complete Payment history for these accounts ( Open to close ). Please make sure these are update to show ( NR ) as paid on time and ( ANY LATES ) to paid on time for each and every month. Thanks For each and every one of these loans, this payment dates look pretty much like it does below I know its a lot and I apologize you had to be the one to get this, but thanks in advance for doing this correctly. 
( Accounts with late payments ranging for ( XX/XX/XXXX-XX/XX/XXXX ), which were covered, under either a deferment, forbearance or grace period. As proven via XXXX XXXX XXXX   disbursements )
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (UT)

Hi, I am currently in the middle of purchasing a house. I am a veteran just trying to use a VA home loan to accomplish my goal. I have been approve based on my credit score with XXXX  but lack of reported credit and unwillingness of communication between credit bureaus and companies, even at my own personnal request, as well as between the credit agencies themselves is appalling. The only thing I was requesting was proper communication between all parties involved. 
My loan officer ran my credit reports from three credit bureaus. On all three reports there was missing information between the three. XXXX, Equifax and XXXX  all had info on them that was not in the other. The report showed an open line of credit open on Equifax but not the other two.XXXX showed a child support balance, paid in full. And XXXX   showed another State child support also paid in full. What i asked of the bank showing the line of credit to report it to the other two credit bureas, they claimed they only report to equifax and refused to report to the other two agencies. When i contacted XXXX they informed me that there was nothing they were willing to due to add the credit line to the report. Both Washington state and North Carolina State child support agencies informed me they report to only the one respective agency. When I requested the paid balances be reported to the other agencies they replied with the same answer of they refused my request. I have tried to get this issue resolved so i may be able to use my VA benefits to he best of my ability but feel as though there is no cooperation or willingness for a smple exchange of information. I am requestion assistance in resolving this issue in a timely matter due to the process of requiring a home for my family and I. 
Thank you -Time frame and date of incident is : Report generated XX/XX/2019 @ XXXX Attempted actions to correct issue : XX/XX/2019 between XXXX and XXXX ( Mountain Time )
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/2019 I learned I was a victim of fraud and identity theft, I am permanently XXXX and suffer with XXXX XXXX XXXX XXXX ... I was fighting banks until I got Covid on XX/XX/XXXX, prior to this I was never late with a payment. 

I am still dealing with multiple medical issues, all of a sudden I got a letter one day from one of my charge cards with XXXX balance that was paid off that had been opened in XX/XX/XXXX-XX/XX/XXXX, they said closed because of credit report. 

The following day I received another 2-4 letters on other accounts saying the same thing, then a few days later even more letters, one account was involved in identity theft and fraud and I was disputing as my XXXX and stress levels allowed me to, it was Paypal. 

They closed accounts that I had used and paid off for YEARS with XXXX balances ruining my credit, XXXX to XXXX my score now, because I am ill and can not fight as hard right now. 

They closed my Care Credit Card I used for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my cat that had XXXX XXXX last year, paid it off within 6 months.. never late since account was opened with my mom before her death in XXXX. 

Closed my XXXX account that I used for emergency car repairs and tires which is vital being permanently XXXX. Had XXXX balance always paid on time never late. 

Closed my Ashley Furniture card XXXX balance I finished paying off {$2800.00} not long ago, never late always paid in time. 

Closed my Gas card, closed another few cards I do not even remember the others, I had no idea so many were with Synchrony.. totally destroyed my credit for no reason.
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (GA)

With Regards to Loan # XXXX On approx XX/XX/2021, XXXX from Freedom Mortgage called me asking if I would be interested in refinancing my existing mortgage. Freedom mortgage has been reaching out to me for at least 6 months at this point to reduce my current APR so I finally caved and started a refi application. My credit score came back around XXXX however, I was told by XXXX that my APR would only go down from 2.875 to 2.41 which would only reduce my monthly payment by $ XXXX/month. She stated she would get with her management team to get a pricing exception and would get the rate reduced to 2.25. I thought this was fantastic and waited for her to get the necessary approval. I waited a day or two and never heard back and finally reached out to her and was told the request is still pending management approval. Then, on XX/XX/XXXX, I receive a letter in the mail saying my loan application has been withdrawn and cancelled. THIS WAS DONE WITHOUT MY CONSENT/APPROVAL and I have no idea why Freedom Mortgage decided to make this decision on my behalf without even getting my acknowledgement and approval. I called back again and was told management denied my pricing exception request. Mind you, it was not me that reached out to Freedom but Freedom mortgage reached out to me to get this rate reduction. However, now, I am left with a credit inquiry on my credit for no reason. If my rate reduction was only from 2.875 to 2.41 then, why wasnt their representative diligent enough to determine this would have been a huge waste of everyone 's time? Instead, I am left with an inquiry on my credit for no reason. Not just that but this no good inquiry will impact future applications. I am demanding they right this wrong by giving me the 2.25 % APR their representative had promised me. Again, I didnt want to do this, it was their representative that started this whole mess and then left me high and dry. This is unacceptable behavior and an unethical way to treat a prime customer as myself.
Consumer complaint received 2020-09-14
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9100.00}, {$4700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

-- CLOSED ACCOUNT -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.