davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (IL)

I got a cashiers cheque with the funds that was in my account from my former bank before closing XXXX XXXX XXXX  I was told by the teller that I have up to 5 years to cash the Cheque  a year later I took it to my new bank Citi bank and deposited it. A few days later, citi bank closed my account and said that the Cheque was stale dated. Its been almost 90 days and citi bank have been going back to back with me about getting my funds. The issuing bank told me that the Cheque was cleared by citi bank but citi bank have been holding my Cheque. They investigated and told me that after 60 days they would rekease it and open my account but its been almost 90 days and still nothing. 

Cheque Valued XXXX {$25000.00} Date Deposited XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-09
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX SXXXX, 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

To whom it may concern : I've recently checked my credit report and noticed Exeprian has been reporting XXXX XXXX  XXXX on my credit file, This file is not my account and i am asking this account to be deleted today. 

Experian continues to mix my name and credit profile with someone with the same name or similar spelling.No matter how many times i try to resolve this issue months later Experian still finds a away to re add someones address, phone number and name to my credit profile. 

I have contacted Experian many times about this issue and wait time to talk to a live person is usually an hour to a few hours to try to resolve this issue.
Consumer complaint received 2018-08-23
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. (GA)

On XX/XX/2018, I attempted to dispute an account from XXXX XXXX ( # XXXX ), this account was added to my personal credit file through theft as I was a victim of Identity theft in a security breach with XXXX XXXX XXXX. The disputes were all sent via certified mail, yet I have received no response from any of the Reporting Agencies as to the removal of this fraudulent account.
Consumer complaint received 2018-05-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AZ)

I inquired about a HELOC and was very specific thats all I wanted. XXXX XXXX XXXX representive XXXX XXXX asked permission to run my credit. He then informed me that I did not qualify for a HELOC. they do not offer that product except to XXXX customers. This was not mentioned until after my credit was run. He then proceeded to attempt to sale my on a very expensive VA refinancing. Using faulty comparison in interest that did not take into account all variables. He focused on the non deductible mortgage insurance rather than the presenting me with an over all picture of the total cost. 

I complained to the companies complaint department about running my credit under false pretenses. They refused to remove the inquiry. 

This was a bait and switch attempt from the start. Had they mentioned they only offered HELOCs to XXXX customers I would have simply moved on.
Consumer complaint received 2018-08-23
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: ENCORE CAPITAL GROUP INC. (FL)

I have disputed this account with Midland regarding the inaccuracies that they are reporting amongst the 3 bureaus, yet they continue to respond that the information is accurate and verified. The following inaccuracies are reflected : *The date opened differs among the bureaus *Midland is stating account type as factoring on XXXX, open on XXXX  and Collection type on XXXX ( all inaccurate and pecuniary ) *The payment history varies among the 3 bureaus ( XXXX  codes failed to  pay and starts payment history in XX/XX/XXXX even though they denote the account as being opened in XX/XX/XXXX ; XXXX reflects payment history from XX/XX/XXXX and all ok even though they denote the account as being opened in XX/XX/XXXX??? XXXX reflects no payment history *Midland reflects on XXXX  terms of 1 month, yet I never entered into any type of agreement or contract with them Lastly, in my most recent communication with XXXX ( see attached ), I requested an agreement that states their authority to collect on this alleged debt, an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, as well as complete accounting of alleged debt. Midland did not oblige. Midland merely sent a statement that did not reflect any comprehensive accounting. 

Midland did not provide any credit card agreements that would further substantiate their allegation. These inaccuracies reflected among the bureaus as well as the fact that Midland did not provide any credit card agreements warrant this entry to be removed from my credit reports.
Consumer complaint received 2019-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

I applied for a loan modification, after falling back on my payments. I submitted documents for a modification in late XX/XX/XXXX. I sent ALL documents the bank requested, as I was cognizant of the faxf that a full application package has to be received prior to 37 days of a scheduled sale date of XX/XX/XXXX. On XX/XX/XXXX, the bank had confirmed that they have a complete package, therefore bearing the 37 days threshold. I was further advised that the underwriter may request other documents during the process if needed. Contribution letter and paystubs from the contributor were requested and sent immediately upon the request. The underwriter then asked for a lease to be completed. When I spoke to XXXX at the bank, he said the lease for the amount of {$900.00} is not complete. XXXX tried fi find XXXX reason the underwriter said that, by examining every page of that lease. He then said its the tenants initials that were missing on page 5 of that lease. I immediately obtained the initials and sent back. XXXX had said it was the last piece of document they were requesting. On XX/XX/XXXX at XXXX. I called in the same day, AND also the day after New Years Day. and it was confirmed as recieved. 

Fast forward to today XX/XX/XXXX, when I called in just to make sure things were moving, and was told nothing is being processed because we are within 16 days to sheriff sale, and the underwriter was asking for something else he FAILED to request when he indicated that the initial on the lease was the last thing he needed! Please note i sent in the last document on XX/XX/XXXX and it was confirmed as recieved. 

Underwriter failed to request specifically what he needed, so kept on asking for docs that obviously didnt satisfy the issue he had, which up until this minute, we havd no idea what that is. Allbwe know is that we sent ALL documents requested immediately as they were requested and was done befits their designated 16 day day window. It is the banks fault, not ours.
Consumer complaint received 2018-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I would not make any complaint if it happen only 1st time. However, it keep repeating and kind of abuse my account. 1st time I purchase my house, my family and relative send me check to help me to buy house. Right after I deposit check, Chase withdrawn money from donor account ready but they keep placing holding for 7-11 days more. I have patience to wait to clear. Then, I wrote check out to title company to make initial deposit. They said my account insufficient. Even though amount is over than what I wrote. I have to call them and they said they release now. 
This is second time, I deposited money and they withdrawn money from payer ready but they emailed and said place it on hold again. I know that sometime big amount can make them money and cause for being greedy to treat customer in the way as they stupid. If I dont file dispute, they would do same as next and few. I have bill to pay but they put on hold too long and I dont think appropriate while they took money from another out and place on hold. Do you think it is fair while I have to pay for late charge credit card even though 1 days, another bill. Any rule and regulation for them???
Consumer complaint received 2022-07-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I try to fix it but chime account and XXXX XXXX I file a despute on my account with the police report. Becused my account was hacked in to or made a clone on my back card and they won't grant me my despute I had to move from back and get a new job becused I was not reward my dspute also a bank teller claim to be a XXXX XXXX  banker and told me it's was safe but transfer all my money from my account no
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CA)

I applied for the Cahse XXXX XXXX card on XX/XX/XXXX. Later that day I received a call I was unable to answer. The voicemail I listened to was distorted and I could not understand a word that the person was saying. On XX/XX/XXXX I received a letter from Chase prompting me to call XXXX. I called an was prompted to enter the last XXXX digits of my social security number to confirm my identity. When I did this the recording then asked me to confirm I submitted an application for a credit card. I confirmed this and a recording told me they would need 14 days to make a decision. I have phone records with proof of this phone call I made on XX/XX/XXXX at XXXX PST. 

Today, XX/XX/XXXX, I called Chase to check on my application as it has been more than 14 days. I was informed there was no record of me calling and my application was closed on XX/XX/XXXX. I escalated this to a XXXX. 

When I spoke with the XXXX she informed me that they could try to re-open my application but they would have to do another hard pull on my credit. I do not think it is fair to pull my credit a second time for their negligence. I have also filed a complaint internally with Chase. At this time I have not allowed them to pull my credit a second time.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I have sent several letters to Experian advising them that one or more of the Dismissed bankruptcy on my credit file was not authorized ( has no signature ). I contact the United States Bankruptcy court to dispute the information directly and was advised to contact the credit bureaus, which I did on many occasions. ( See enclosed ). 
Each time that I send Experian letter to inquire about the unsigned dismissed bankruptcies on my profile. They send that same standard response. THE INFORMATION HAS BEEN VERIFED. It doesnt say how and who the information was verified with.
Consumer complaint received 2023-03-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL (IA)

I have contacted them repeatedly trying to get a copy of my wet signature on a document saying that I signed up for these accounts!! Theyre about seven accounts and I dont owe any of them!! I have sent a cease-and-desist letter by certified mail because they repeatedly called me and told me they were going to take me to jail or that XXXX XXXX XXXX XXXX XXXXXXXX because I dont pay my bills!! Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Credit bureau reported a collections account " XXXX XXXXXXXX XXXX XXXXXXXX ''. I have no knowledge of this account. This account was DELETED from my credit report a year ago for false, inaccurate reporting. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX XXXXXXXX verbal agreements, nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. Removed and don't report again if another creditor decides to pick up this account
Consumer complaint received 2018-08-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Credit Corporation (NC)

I was pre-approved on XX/XX/2018 from for multiple loans on XXXX XXXX and XXXX  powered by Avant was one, who provided the best rate of 9 % based on soft inquiry.. I decided to apply and complete application with them on Monday XX/XX/2018. Since pre-approval on XX/XX/2018 my credit score went up by 5 points because I have paid down another account on my credit ( MY CREDIT IMPROVED ) I processed application and was asked to complete task. Provide my bank log in information, and my last month bank statement. A disclosure came up that states a decision will be made within 24 hours. Next morning on XX/XX/2018 I called to question why was I required to provide my bank account login information as I was uncomfortable afterwards. I didn't feel comfortable giving my credential for a loan company to access my bank info anytime. They did explain that this was to verify my income. The person I was talking too, mentioned that they want another paystub " showing my monthly bonus '' added. At this point I was very upset because they can clearly see my year to date income WHICH INCLUDED my bonuses on my recent pay stub. I provided the info and waited till Wed XX/XX/2018 morning and still no decision. At this point I am extremely hesitant and called XXXX at XXXX and asked to withdraw application a requested to speak to a manager. I was told by a male that a manager would have to call me back about my concern. Never heard back from a manager, I then received email on XX/XX/2018 at XXXX XXXX  that states " Right to request specific reasons for credit denial '' Your Credit Score : XXXX Date Credit Score Created : XX/XX/2018  Score range from a low of XXXX to a high of XXXX Key Factors that adversely affected your credit score : Length of time revolving accounts have been established Proportion of loan balances to loan amounts is too high Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Time since most recent account opening is too short Inquiries impacted the credit score I then called XXXX and asked for manager again. They introduced me to XXXX who confirmed at the beginning of the call that I was talking to manager. I shared the reason why I wanted to withdraw and my hesitation on sharing multiple income information. She confirmed that they reason they didn't give a decision is because they were closed at XXXX and opened next day at XXXX. THE DISCLOSURE DOES NOT STATE THAT! it states a decision will be made in 24 hours. She confirmed later that she was a supervisor and when asked to speak to someone in management she said there would be no one available to talk to me.
Consumer complaint received 2018-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo Blocks my bank Account so XXXX XXXX Wont work XXXX XXXX may Work fore 98 % Of Wells Fargo Customers and Wells Fargo Block XXXX XXXX use fore Anyone the bank Docent Like Wells Fargo Block me making XXXX XXXX Money transfers then Wells Fargo Says that Wells Fargo is not responsible fore 3rd Party Bank Machines that dont work with My bank Account that is Blocked by Wells Fargo and XXXX XXXX may Work fore 98 % of Wells Fargo Customers 4 years Im a XXXX in Foreign Countries like XXXX is {$110.00} Dollars max ATM Withdrawal with {$10.00} Dollars in bank Fees and XXXX XXXX Transfer transfer {$2500.00} dollars fore {$6.00} XXXX XXXX Askes fore my Online Banking Wells Fargo User name & Password Wells Fargo Denied then 5 Minutes later the XXXX XXXX Transaction works with XXXX XXXX I enter my XXXX XXXX Online User Name and password and XXXX XXXX Works I contacted XXXX XXXX says Wells Fargo is Blocking the XXXX XXXX Transaction is Blocked by Wells Fargo is what XXXX XXXX Customer Service told me XXXX XXXX 500000 Agent locations worldwide XXXX XXXX probably Work with All Countries online Banking and XXXX XXXX docent work fore me because Wells Fargo Block my bank account almost all my Online banking is blocked by Wells Fargo I complained a Wells Fargo Bank Teller might have Robed me then Wells Fargo Fraud Department Refuse Two File the Complaint a Wells Fargo Bank teller Robed me and my only and Next 20 Trips Inside a Wells Fargo bank all of my 20 Cash Withdrawals a Bank Teller had two Verify me 3 years Wells Fargo Block my Wells Fargo Credit Card wont work with XXXX
Consumer complaint received 2018-08-23
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: EQUIFAX, INC. (GA)

On XX/XX/2018, All Three Credit bureaus : XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX were notified and informed that there is negative false Negative Public record information reported on my credit report and states it was reported by United States Bankruptcy Court XXXX District of Georgia in credit files maintained under my Social Security number. 

Upon reviewing a copy of my credit report, I see an entry listing false information obtained from an unnamed 3rd party on my credit report on XX/XX/2018. 
I challenged the accuracy, compliance and reportability of this listing and requested all three bureaus to validate this information with United States Bankruptcy Court XXXX  District of Georgia, and requested them to provide me with copies of any documentation associated with this account, bearing my signature and that the information furnisher is in fact the United States Bankruptcy Court XXXX District of Georgia. In the absence of any such documentation bearing my signature and any information documenting confirmation from the United States Bankruptcy Court XXXX District of Georgia as the reporting agency, I formally requested that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note they all had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), including their Method of Verification. I did not consent to XXXX, XXXX, or any means of automated verification. 

I also received proof from the United States Bankruptcy Court XXXX District of Georgia clerk 's office in which they confirmed that they do NOT furnish information to any third party, including the credit bureaus ( attached ). 

XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX  all completed Investigations and refused to delete this false information from my credit report after confirming the entry listing was information obtained from an unnamed 3rd party and reported on my credit report.