davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

My mother opened an CD trust in my name for $ XXXX@ 11.75 % for 3yrs in 1981 with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. She lost track of CD until recently. We tried to cash in CD at Chase Bank, who now owns XXXX. They said they had no record of CD, or of my mother or myself ever having an account there. I have the physical paper CD, which was required to be returned, when cashing it in.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My name is XXXX XXXX i have been violated of my consumer rights Transunion, XXXX, and XXXX are reporting a ( Bankruptcy XXXX XXXX  ) on my credit report that need to be deleted and removed they are breaking the consumer law pursuant 15 U.S, CODE 1681b- Permissible purpose of consumer report i never gave them permission to report a bankruptcy and i reached out to the Bankruptcy court and they stated in the attached letter that they are not a reporting agency company that furnisher nor verify information to the XXXX reporting agency XXXX, transunion and XXXX also pursuant to 15 U.S. Code 1681c-2 block of information from credit report i have my attached FTC paper and im giving a statement that the information is not relating to me the credit reporting agency can't verify this is my public record nor did i give them written consent. i will like for the CFPB to resolve this problem before i take legal action with the civil court this public record is hurting my credit report and stopping me from obtaining good credit
Consumer complaint received 2022-06-07
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: JPMORGAN CHASE & CO. (GA)

On XX/XX/22 my credit card was charged for a hair service. When the stylist did my service, I showed the her a photo of black hair with highlights. When she rendered the service, my hair turned out orange. She admitted that she didn't do her due diligence as a stylist to find out how my hair would turn out when she applied color it. I let her know that I was unsatisfied with the service and she told me she wasn't going to fix it and that she could not help me because her next client had just arrived. She would not refund any money. I communicated this information to Chase and they denied my chargeback request stating that the service had been rendered and the charge is valid. The service that I requested was NOT rendered because I didn't receive what I asked for nor was it corrected. Therefore, the charge is not valid. I had to go to another stylist who was more experienced to fix what she did not do correctly. This will take several visits to another stylist and corrective coloring to fix.
Consumer complaint received 2022-10-06
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. (IL)

I truly appreciate the Credit Bureaus ' efforts in removing a portion of the accounts that I have been disputing for the past 5 months. However, I see here that the action done by the Credit Bureaus is not yet enough to completely remove the disputed accounts from my Credit File. I am now submitting this CFPB Complain to request to the Credit Bureaus once again to remove the disputed accounts from my accounts completely this time. Under the Fair Credit reporting act section 605b, the Credit Bureaus are required to remove the disputed accounts and information from my Credit file that resulted due to identity theft. As I previously complaint about, I require the Credit Bureaus to send me copies of documents bearing my signature as proof of ownership or any proof of verification from the Creditors themselves. However, I have waited long enough and I never received anything from the Credit Bureaus. I previously sent dispute letters to each Credit Bureau on XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. Once again, I am requesting the Credit Bureaus to please remove the following accounts completely from my Credit File : XXXX XXXXXXXX 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 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I am trying to get my PMI off of my mortgage payments. I have gone through the very SLOW process that SunTrust makes us go through and have not got any response. 
The PMI department is only communicated through a messaging system on their website and is extremely slow. 
I had an appriasal completed by one of SunTrust providers over 2 months ago and I haven't got any sort of update and or resolution. 
I already know my percentage to get my PMI off is well above the requested percent they want as I had a private appraisal completed. 

SunTrust is stalling so I have to keep on making my PMI payments as long as they will allow this to continue. I can't get any answers on what the next step in the process is from SunTrust so I am reaching out to you for help.
Consumer complaint received 2017-07-24
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. (SC)

Hi, I applied for an auto loan and I was told that my credit would be ran through 1 creditor and that it would be a soft pull. However I have over XXXX hard inquiries on my report as a result. I have disputed these to XXXX, XXXX, as well as Experian with very little success. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit/XXXX To 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 In addition to the unauthorized inquiries on the report. I have reached out to the creditors as well as all three bureaus in reference to other erroneous information on my report with little to no success. I have taken the time to enter the erroneous accounts below : XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) I am very upset as these accounts are not supposed to be included in my report. I have written as well as disputed this incorrect information with all creditors as well as all three bureaus with little or no success. I am in desperate need of your help. I thank you in advance for taking my complaint into consideration.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

on XX/XX/ I was served with a charge from Citizens Pay for an XXXX XXXX XXXX Purchased at XXXX XXXX for a charge of {$1200.00}. It is now negatively affecting my credit report and I am hoping to have this record expunged. 
I have contacted citiens one and filed a complaint with XXXX Citiens One claims the account is now closed.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

I have called several times today and I keep getting individuals that DO NOT SPEAK english very well, and refused to transfer me to an english speaking supervisor. Last week I was informed my credit freeze was temporarily removed, but when the mortgage lender attempted to run my credit it is still frozen. I have called 6 different times today and the reps refuse to assist, or keep giving me contradicting answers. First they tell me the freeze is lifted then they say it isn't. this is causing me a terrible amount of stress and anxiety, as I will not get approved for the purchase of the home if this matter is not resolved.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I applied for the HSBC Premier checking account and it was opened in XX/XX/XXXX. The offer was {$450.00} incentive after completing the prerequisites. I called HSBC on XX/XX/XXXX to understand why I had not received the bonus and learned the following 1. They failed to close a prior account in XXXX, have no record of it an in absent of my consent maintained an account 2. The system failed to automatically close the account after 5 years of inactivity departing from their own internally defined rules 3. They claim the link used to signup for the account was inaccurate despite my following instructions from their site directly, the offer still being currently available https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/ # : ~ : text=after % 20account % 20opening.-, You % 20will % 20automatically % 20receive % 20the % 20 % 24450 % 20Welcome % 20Deposit % 20in % 20your, minimum % 20requirements % 20are % 20not % 20maintained. 

The remedy I desire for this breach of consent, deceptive practices of failing to pay an incentive after reasonable efforts to resolve with a customer service representative and first line manager including 1. " The system can't be overridden '', 2. Acknowledging the system rules weren't followed for automatic closure and was in error as shown by statements post XXXX being inactive 3. Talking over customer, attempts to get call disconnected through long hold times with no clear end, making customer ask 3 times to speak to manager prior to being connected 4. repeating guidance that conflicts with their own written public statements " if a customer ever had an account with HSBC ineligible for incentive '' vs correctly stating from XXXX. The deceptive practices are consistent the broader trend identified in allowing for criminals to use bank to transfer funds and refusing to be forthright and honest in dealings with customers https : XXXX
Consumer complaint received 2022-10-06
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. (GA)

I was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

Loan Information : Account number : XXXX Account owner : XXXX XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit is being denied wherever I go. 
I have written to the agencies, police, credit card companies, social security office as there had been a XXXX and all my personal information was stolen. 
However till date it seems nothing is being resolved. 
I travel extensively and seldom use credit, so I understand that my score would not be good, but companies are telling me that there are delinquencies and unpaid debt on it, but they are not telling me what it is. 
I need help and for someone to urgently look into this for me. 
Thank you
Consumer complaint received 2019-07-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NAVY FEDERAL CREDIT UNION (VA)

I originally took out an auto loan with Navy Federal for a XXXX XXXX XXXX, they took over the tile from the original lienholder, XXXX and Navy refinanced my loan. Approximately XX/XX/XXXX, I was in an accident with the vehicle and it was totalled. My insurance company, XXXX, paid to Navy Federal 70 % of what the vehicle was worth. The remainder balance was reduced through GAP insurance which I had with Navy. The remaining amount of the loan was approximately {$3000.00}. I took out another loan to get a new car because I have to work. I am making a payment of {$570.00} as a monthly car note, my insurance also went up exponentially because my insurance increased my premium due to the accident and because I moved. I applied to refinance the remaining {$3000.00} with Navy and they denied refinancing my loan. They put my loan in default and a delinquent status, which will impair my credit because they denied refinancing my loan and require me to make the regular payment of {$570.00} as I did prior to totalling my car. This put me in a position to make two full car payments with over {$1000.00} per month going out of my paycheck to car loan payments. I can not afford that. I also rent, furniture bill, electric bills and other bills and I can not afford to pay {$1000.00} to car payments. I informed Navy Federal of this and they still denied refinancing my car loan to get my car payments cheaper. I think this it is unscrupulous and unethical for Navy to put me in a position in which I am unable to make the payments and unreasonably denying my refinancing of the remainder of my previous car loan. This puts me in a position to get bad credit through no fault of my own. I am not unwilling to make the payment, I just can't afford {$570.00} per month and I have informed Navy of this fact. Navy is being unreasonable in denying refinancing of my loan.
Consumer complaint received 2019-07-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (CT)

Had my vehicle repaired at a friend 's place of business. In the past, the owner had allowed me to make payments if the bill was large. This time, she said she was unable to, due to the larger amount of the bill ( {$1100.00} ). She stated she knew of a company that she had previous dealings with that may be able to help, and gave me their website address. I applied and was accepted. Feeling I had no choice, since I need my vehicle and can not afford to purchase another, I accepted all terms and conditions. The entire transaction was accomplished online. Upon further thought and investigation, I realized the loan would cost me about twice the amount of the bill over the 1 year term of the transaction ( 12 monthly payments of {$190.00} ). Nowhere in the transaction terms was an interest rate mentioned ; rather, the transaction is referred to as a " rental ''.
Consumer complaint received 2019-07-24
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. (GA)

Equifax is reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see pages 14 and 25 of the attached credit report. ) This account has a {$0.00} balance. This line item has not been updated and by incorrectly reporting this information is a violation of the Fair Credit Reporting Act. I have contacted the bureau to fix this, however I have been unsuccessful. This incorrect reporting is harming my credit score and this line item needs to be updated to report a {$0.00} balance.
Consumer complaint received 2019-07-24
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: EQUIFAX, INC. (NJ)

XXXX is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX XXXX XXXX  inaccurately reporting ( 6 ) accounts from XXXX XXXX XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX XXXX then it is impossible XX/XX/XXXX 90 days or XX/XX/ 120 Equifax inaccurately reporting ( 6 ) accounts from XXXX  XXXX XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX XXXX then it is impossible August 90 days or XX/XX/120 XXXX is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX   XXXX XXXX inaccurately reporting ( 6 ) accounts from XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX XXXX then it is impossible XX/XX/XXXX 90 days or XX/XX/120 120
Consumer complaint received 2018-05-21
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 have mailed 611 letters to all 3 credit bureaus twice. Both times were certified. I've called in several times and waited on hold to speak with a representative. I have only seen results with one bureau.
Consumer complaint received 2021-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to get late payments removed from my credit report for over 60 days. I file disputes on their website, and when I didn't get any results/responses, I hired a credit company, XXXX XXXX and have been paying {$110.00} a month to get these removed. Letters were sent by this company over 45 days ago. 26 request only 1-2 removed. This doesn't make any sense. These late payments were approved by the companies during pandemic and all monies owed, since then have been paid in full. I also ask them to remove the company that ran my credit without my consent. Nothing is being done and I an getting frustrated and very concerned. I am trying to get approved for a home and they will not even consider my application until these disputes are resolved. Please help me.
Consumer complaint received 2019-07-24
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: SYNCHRONY FINANCIAL (NJ)

i disputed at the end of XXXX XXXX from sonic. it staill has not been refunded most banks would just credit that without initaition of a dispute process. this bank has spent time calling meback emailing but it has not been resolved its been 2 months since i disputed this and the XXXX need to be refunded. has not been. i have spent time trying to find out that i dont have same SCRIPT it takes 2 months it has been 2 months It speaks volume as to how i am viewed by this bank to put me thru it. As such i will barely use my account REFUND the dsiputed amount already XXXX GIVE ME A BREAK
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This claim is regarding transactions not approved by me. I did not process these transactions and I have tried to work with both XXXX and Capital 1 bank to resolve these fraudulent transactions. 

My original claims started XX/XX/XXXX. I received notifications that fraudulent transactions were being attempted on my cards. ( see photos attached ) All together there are a total of {$6100.00} in fraudulent charges. I contacted Capital 1 on 3 different occasions. The first claim # XXXX was submitted on XX/XX/XXXX and approved in the amount of {$910.00}, during this conversation I stated that I did not approve any XXXX transactions since XX/XX/XXXX. I had to call in again to include the remaining transactions that were not originally included on XX/XX/XXXX claim ( claim # XXXX ). I called in again to dispute the remaining transactions on XX/XX/XXXX claim # XXXX. The lady that assisted me seemed confused and she did not include all the transactions I mentioned. The amount of this claim was {$2100.00} which was denied on XX/XX/XXXX. The total amount remaining to be refunded or credited due to these fraudulent transactions is {$3600.00}. Capital 1 did not do their due diligence in contacting me for additional information or backup for the transactions in question.
Consumer complaint received 2022-10-06
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/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 XXXXXX/XX/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 an account without my written instructions.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 1st Franklin Financial Corporation (LA)

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 1st Franklin financial balance is XXXX incorrect information. XXXX XXXX has a XXXX balance but incorrect information. XXXX XXXX XXXX balance with incorrect information. XXXX XXXX XXXX have no ideal about this account.
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

My card has been charged an " Optional Enhanced Debt Protection '' fee that I was unaware of and did not opt in to. When I called today to cancel it, I was told it has been on my account since XX/XX/2012. It is about {$12.00} a month ( {$0.00} per {$100.00} of balance ), so I have paid {$1200.00} to this when I never gave consent for it. This card is with Citibank through Best Buy.