davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

Citibank has improperly frozen our HELOC based upon wrongful information in our credit report. Even though we contacted Citibank immediately, they said they would not fix their mistake until we got a letter from our first mortgage company stating that their info was wrong. And now that we have that letter, their customer service keeps failing to resolve the issue ( the last straw was today when they forwarded us to an online survey and " special offer '' when they said they were transferring us to the HELOC department who would fix the problem ). Citibank 's customer service has been atrocious, Citibank clearly ignored information in our credit report stating that the wrongful information had been flagged, and was under review and/or already in process of being corrected ; and now that I've followed their instructions ( and spent time and money hiring a lawyer to get this fixed ) they are non-responsive via their own customer service system to get this sorted.
Consumer complaint received 2024-06-04
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: JPMORGAN CHASE & CO. (LA)

On or about XX/XX/year> I began trying to inquire about an alleged debt from JPMCB CARD that is being fraudulently, inaccurately, and illegally reported on my credit report with inaccurate information submitted to the different credit bureaus which is continuously damaging my credit. I requested validation of the alleged debt and never receive any validation whatsoever, and only continued getting updates of inaccurate and false information being reported to my credit report on the bureaus. I have recently obtained a new credit report with still false and inaccurate errors being reported on my credit reports and have decided to submit this complaint since my investigation requests are going unanswered with the company and bureaus. All disputes continue to only cause harm to my credit and this must be deleted to halt harming my credit.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Clarity is reportng my information without my consent. I never did any business with them and yet they have reported checking information, email, name, date of birth, and address to third party creditors and bureaus without my knowledge. They also reported balances inaccurately without my knowledge which is violating HIPPA law and 15.USC.1681C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]
Consumer complaint received 2021-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XX/XX/2021 I went on XXXX XXXX to check my credit score when I checked it on XXXX XXXX it was reflecting on the Trans Union score that I have six missed payments on two of my accounts which I am an authorized user on I file a dispute stay into them that the payment History and calculation was incorrect Trans Union went ahead and delete both of my accounts which I am an authorized user on from my credit report this in return dramatically dropping my credit score almost 90 points I have gotten directly in touch with Trans Union asking them to fix the problem they blatantly disregard my request and refused to fix the problem I am in the middle of trying to purchase a home and this is affecting me greatly I really need some help and assistance
Consumer complaint received 2022-10-26
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: BMW Financial Services NA, LLC (TX)

On XX/XX/2022 I was looking to buy a car from BMW XXXX XXXX XXXX. I had already had a pre-approval through my bank XXXX XXXX. I was told all I had to do was give the dealership my reference number from my pre-approval and everything should go smoothly. For the car I was buying Sales XXXX XXXX XXXX assisting me and I told him that everything is all set and ready to go all he had to do was call XXXX XXXX and give them my reference number and I told him I was approved for up to {$47000.00}. He asked me to file out the application I said okay but please only send to XXXX XXXX Only. He asked if it was possible that they could get me a better deal was okay and I told him no I only wanted my credit ran through my bank since I am already pre-approved. My mother was in attendance on the call and heard me say that. I also have text messages and email to back this up. Later that day XXXX XXXX XXXX gave me a call stating they where still trying to work things out with XXXX XXXXXXXX and I asked for clarification and what they approved me for and all he replied was well thats what I am working on. Then hung the phone up after. The very next day I wake up to credit alerts from XXXX XXXX stating that my credit in total have been pulled more then XXXX times from different lenders I never asked for loans from. I called back up to BMW and sent a email stating I would like to know what on Earth happened as I did not authorize or approved them to reach out to these other lenders. I only want to use XXXX XXXX. Once I finally got in contact with XXXX XXXX XXXX he begin to talk to me rude and down on me stating Well Capital One said they will not approve you for {$47000.00}. I asked well what did they approve me for and he told me {$40000.00} and well if you want the car, youll have to put XXXX down. Do you have XXXX to put down?. I ignored his comment and asked why do you have my credit pulled with other lenders I never gave you permission to send to and he said well you werent approved with XXXX XXXX. So I called XXXX XXXX and spoke with them and I turns out BMW never used my reference number and just sent XXXX XXXXXXXX a new application instead. They denied the new application because I was already approved for XXXX. When I called the other lenders to get them to dispute their inquiries and file a complaint about BMW I was told I would have to call back the dealership since they are the ones that requested it. I called XXXX XXXX XXXX and told him I have proof and a paper trail that I never asked him to send my information to those other lenders he said no we can not do that its already done oh well.
Consumer complaint received 2022-08-31
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: EQUIFAX, INC. (FL)

This is in regards to my last complaint XXXX Equifax failed to provide me with all documentation that I requested to show proof of investigation. 

I asked Equifax for validation showing documentation with any of the inquiry accounts bearing my wet ink signature authorizing an inquiry. Equifax also failed to provide documentation giving my consent to publish this information without my consent. If they did the proper investigation and contacted me before publishing they would have known I did not consent to any of these inquiries. Equifaxs reasons for putting these inquiries on my consumer report do not have anything to do with the laws previously stated in my original complaint. 

I would like to remind Equifax of XXXX XXXX XXXX Information Solutions Inc ( XXXX XXXX and XXXX XXXX  Equifax Information Services LLC ( XXXX XXXX  These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer, instead just took the debt collectors word. I have faith that your establishment will do the right thing and not have to follow in these steps again. If you do not provide proof the inquiries are valid through my wet ink signature then DELETE the information from my report. 
I expect a response within XXXX  days. If not I will expect that the items in question will be permanently expunged from my record. 

Inquiries- XXXXl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best regards, Done in good faith. Without prejudice. All natural alienable rights reserved. 
XXXX : XXXX
Consumer complaint received 2019-11-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Asset Management ( WFAM ) recently changed their login procedure to add additional security ; in doing so they have created a problem for the actual owner of the account. I spent an hour on the phone with a customer service representative changing my password and user ID and we could not get me access to my investment account. I requested to be transferred to a technical support tech but was told she had to put in a trouble ticket and someone would call me. I have not received a call from WFAM to resolve this issue. I have tried to two different browsers ( XXXX, XXXX  ) and nothing works. Everything I try to login I get an error message that says the system is not available at this time and we are sorry for the inconvenience. This is the third day with this issue. I have investments with XXXX, XXXX, and XXXX and their three step login process works fine.I want access to my funds so I can move them to another brokerage because of this unresolved issue. No notice was given to clients in writing or email that they were changing how we login.
Consumer complaint received 2015-10-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

In 2010 I requested a modification and was denied at that time my payment was XXXX at that time my husband and I borrowers fromOf 401k so we would not lose our home. Luckily the mortgage payment has went down. But once rates go up I willLose my home. I have a interest only arm rate with chase mortgage. I have a mortgage in Ga for a home we bought for XXXX interest only no money down. It 's not a XXXX XXXX or XXXX XXXX loan. Harp could not help. Hope could not help!!! Manager at chase mortgage XXXX XXXX could not help! After buy the house we consolidated all our debit into a second mortgage for XXXX ( I was able to refi this loan for a fixed rate at 5 %. We have called and applied to our mortgage company during hardship times for help but they told is we would have to miss payments to get anyone toLook at our loan. We have borrowed money fromOur 401k so we could make our payments. We believe that people should not walk fromHomes and work XXXX jobs if they have too. Because maybe we are old fashion but it 's wrong to walk from a home. All we want is some help!!! A fixed rate!!! Our value on our home is XXXX harp said if we had XXXX cash and saboritated the XXXX we could get fix rate but our mortgage payment would go up!! 

Any ideas and one I can call for help???? 
I believe it 's in the best interest for Chase mortgage to reduce our mortgage value to XXXX and give us a fixed 30 year mortgage. So we can keep our home! 
XXXX
Consumer complaint received 2022-10-26
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)

The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They DID NOT do this.

Also, they have violated my rights even more In accordance with Fair Credit Reporting, EVERYTHING has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and/or date last reported is not accurate. This is GROUND for removal.

They also violated the law because according to 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 I did not give anybody written instructions!
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (NJ)

On Monday XX/XX/2023, I initiated a transfer of XXXX to my XXXX based company, XXXX XXXX XXXX XXXX XXXX XXXX its XXXX XX/XX/XXXXAccount XXXX XXXX. I subsequently got an email to me confirming that the funds have been credited to the account. I also generated a paid receipt from my WorldRemit account. 

Up till now, the funds have not been credited to this account. I have called WorldRemit customer service line every day since Monday XX/XX/XXXX and have consistently been told that this casecis being investigated by its local partner in XXXX. Yesterday, the customer service agent requested that I submit the local bank statement to for review and investigation. I generated the statement and sent it to WorldRemit via email. A review of this Statement will show that the funds have not been credited to the account. 

To date, I have not received the funds or a refund. I hereby request that you work with WorldRemit to complete this transfer or process a refund to my account immediately.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (GA)

I have already sent the credit bureaus letters asking them to verify the debt on my report. They have stated everything is verified correctly. This is false. My credit reports still show inaccuracies and fraudulent activity. According to the 15 U.S. Code, $ 1681c-2 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 the information is inaccurate. A consumer reporting agency shall block the reporting of any Inaccurate 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. It has been 30 days and they are in violation of this law because I am a victim of identity theft!! Please have them delete these items immediately! I also did not give consent to give any information pertaining to my transactions and experiences. 15 U.S. Code $ 1692c XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-16
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: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (CA)

My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Consumer complaint received 2019-11-19
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: EQUIFAX, INC. (FL)

This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-11-19
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)

This card had been opened in my name for a couple of years. I had shared my concerns with XXXX XXXX that this was not my account. Instead they charge off the card and I owed a balance. I end up paying the balance but asked them to remove the card from my report as it was not my card. As a result they claim that they would remove it but never did. XX/XX/2019 the card was closed and never removed from my report. I have contacted them numerous time and this had no purpose. I am asking that this be removed from my report due to identity theft.
Consumer complaint received 2017-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Sortis Financial, Inc. (MS)

When I signed the paperwork to get this mortgage I was informed by the loan rep it would never be a problem to renew the interest loan. The Clear Spring was very misleading and they would not allow me to continue with an interest only and advised I would have to refinance which was not what they originally told me when signing the loan.I did receive paperwork for a modification but then they advised they would not live up to what they said they would. The company mailed me modification paperwork and would not accept it when it was sent to them as they agreed it would not be a problem to modify the loan to smaller payments or interest only. I tried several times to work things out with the finance company XXXX and Clear Spring. I signed the loan based on false information given from the finance XXXX and their employees at XXXX who worked there. When I advised them of this in several of my emails from the loan company which I do have copies of no one was concerned about the deliberate false and misleading information given. I am now in default of a loan that is more than 4 times the amount owed with no concern from the original lender who has deliberately mislead me into a loan that they knew they were never going to renew without a refinance due to personal opinion and not due to payment history. Let the record show that during the interest only period I was never late until the original lender increased the terms and refused to live up to what they advised also the finance company refused to live up to what they wrote in the paperwork sent to renew on an interest only basis. Clear Spring agreed to modify send paperwork then advised they were not going to live up to their agreement.