davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
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: CITIBANK, N.A. (FL)

XXXX QUOTES RULES AND THIER PURPOSE WHICH I HAVE NO OBLIGATION TO PERFORM, XXXX OPERATES ON A PRESUMPTION, I DONT HAVE ANY CONTRACT WITH THESE DECEPTIVE MISCREANTS, XXXX  COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX  XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF XXXX WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I was unemployed, and asked to be switched to Income based payments. XXXX instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on my credit score.
Consumer complaint received 2019-09-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

My spouse and I opened a joint Citi Checking and Savings account on XX/XX/XXXX, and the terms represented that there was a {$400.00} sign on bonus once we fulfilled the requirement of maintaining a balance of {$15000.00} for 90 days. 

We met this requirement by maintaining balances well above the required and called their customer support line to get confirmation. They confirmed we had met all requirements and had to wait for up to 90 days before getting credited. 

After waiting more that 30 days, I received a notification from them that I was being denied the bonus because I didn't qualify. 

I have been skeptical about this bank after reading multiple reviews of people getting fraudulently denied bonuses. They are reputed for deceptive and misleading advertisement and extremely poor customer service. 

Furthermore, they perpetrated similar deception to me 4 years ago and I unfortunately didn't report it then. Their actions is in clear violation of the FTC 's rule against unfair practices by businesses.
Consumer complaint received 2019-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Dear JP Morgan/Chase- Thank you for approving my application for the INK Business Cash Business account in XX/XX/XXXX. But, not so thankful for engaging in inconspicuous and shamefaced lending discrimination. 
The card was indiscriminately shut down without any immediate notice on XX/XX/XXXX. The letter states " unexpected activity ''. How embarrassing and humiliating. Right? When I pressed CS for more question they started bouncing me around as they were completely clueless to answer any questions and eventually pointing to the Executive Office. The returning theme : we don't see any unexpected activity on your account. Disclaimer : I was never late on payments and all payments were made in FULL. Moreover, I am a credit worthy individual and business owner with a credit score considered excellent by all 3 major credit bureaus. 
During the course of this inquiry I will demonstrate how JP Morgan/Chase engages in subtle lending discrimination and breaking federal and state banking laws every day. In theory, the company allegedly claims that all creditworthy customers have equal access credit. In practice, they approve and shut down accounts for customers whom they think wont fit into their internal algorithm ( i.e. not paying interest on balances because the balance is paid in full and just reaping cash or other rewards ). According to a bank employee, after a year, they review accounts and purge customers who are not profitable ( Not paying fees or interest charges and just reaping rewards ). This is  DIFFERENT from customers who are churners, reap wards and closing accounts. This would be a legitimate reason to close an account. My case is different and points to a serious, subtle lending discrimination issue. 
In addition, the non-profitable customers SSN is flagged. As a result he or she is unable to open any deposit accounts and new credit account will be shut down followed by a canned we are severing our relationship with you letter. Interestingly, my account was immediately shut down after I cashed in my yearly rewards. Very interesting, right? According to Chases algorithm : Why should we keep this customer that we are not making money off of and just reaping rewards? 
When they faced with pressing questions ( from the Executive office ) they just send out a canned response which is a blatant lie. See attached. 
My attorney general 's office and congressman have been notified and started their initial investigation. 
Honesty and a modicum of respect go a long way. Not, when it comes to the business practices of JP Morgan/Chase. I am hoping this and all subsequent complaints will be read by millions of potential customers and it should be cautionary tale before they think about starting a relationship with a company like Chase/JP Morgan.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: American Collections Enterprise, Inc. (MD)

this information has been previously disputed and i have not had any resolve to the following inaccaurtae and illegal accounts being reported to my profile. These accounts can not be legally verified by a natural person, and so must be deleted or face civil liability by rights of 15 usc 1692k in the amount of XXXX for each violation that is found. Delete these accounts, and advise the three credit bureaus XXXX XXXX, and XXXX, that they are also in violation by reporting this information, and can also be found liable, the same as the third party debt collector. This is false and deceptive information, as I am The Original Creditor. Removes these accounts. 

XXXX AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$100.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$100.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$30.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$940.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$28.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$120.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$920.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$940.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$120.00} Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$100.00} Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$120.00} Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX + {$120.00} Original creditor : XXXX XXXX XXXX XXXX The following information is also inaccurate and needs to be deleted in order for me to receive proper and accurate information/response being sent to me or information that is possibly being reviewed. 


XXXX inaccurate information ****** XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX ADDRESSES REPORTED o XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX o XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX *******XXXX inaccurate information ****** XXXX XXXX XXXX XXXX P XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX
Consumer complaint received 2018-05-19
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: SYNCHRONY FINANCIAL (ID)

Applied for a XXXX  XXXX card, I firmly asked if it would be SOFT credit inquiry, thy said yes. Few weeks later my credit score dropped 5 points because they did a HARD credit inquiry. After several calls and 3 letters from them they keep changing the complaint and refuse to answer why they did a HARD credit and not SOFT as they agreed to, and now they refuse to remove the HARD credit inquiry.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Companies refuse to remove account that was opened before I turned XXXX. This account is has not legal standing on my credit report as I was well below XXXX when the XXXX account was opened and not able to give my legal consent. The companies also refuse to remove collections that are in no way related to me or have any legal standing accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

Few months back tried to open up a checking and savings at Wells Fargo bank. And at the last minute I had to cancel because they found an excuse by which they could refuse to make internal transfers For me. And it was something very specific to my situation. Too much automation My finances were a tailspin I couldnt get control I couldnt put out the money fire because of what XXXX bank did to me. And they prolonged it.
Consumer complaint received 2022-08-16
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. (NY)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$11000.00} XXXX XXXX  XXXX Balance {$1100.00}
Consumer complaint received 2022-08-16
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$11000.00} XXXX XXXX  XXXX Balance {$1100.00}
Consumer complaint received 2022-08-16
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. (NY)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX : {$2600.00}
Consumer complaint received 2019-11-13
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)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-07-12
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. (OR)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX on my credit report is a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction. This was also medical situation making it a HIPPA violation.
Consumer complaint received 2023-04-01
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. (SC)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-16
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. (CA)

I keep tabs on my credit from all three bureaus. I have applied for a home equity loan and to my shock discovered that the credit they report to me is different than what they report to a lender. Point in case. Equifax reports via XXXX  and independently that my score is in the XXXX range, depending on the day ( depends on my use of credit ). It says : You currently have no negative information on your credit file. None of your accounts have a severe delinquency or a derogatory status Few or no instalment accounts with delinquent or derogatory payment status. Balances on bankcard or credit card accounts not too high compared to limits. 

The credit report from XXXX matches the XXXX report from XXXX XXXX 

However XXXX reported to the lender same day on a special report generated for " lenders '' that my score is XXXX and that i have " serious delinquency '' which I will attach. That means that if I get the home equity loan, I will pay a higher interest rate. The derogatory is from the US Treasury, dated 2017, for {$650.00} which they say I paid late. I do not remember paying anything late. I am certain there is a mistake but the phone number on the " derogatory '' matter is disconnected so I can not complain to them. I tried to dispute the derogatory report bur Equifax would not allow me to do so because " You currently have no negative information on your credit file. '' Why is there such a discrepancy between the information Equifax sells me and the information they sell the possible lender. That has to be illegal How long is it going to take me to clear this up? Will I lose the home equity loan? By the way the same derogatory information does not appear on XXXX- the report to the consumer and the report to the lender match.
Consumer complaint received 2019-05-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: BMO Bank, N.A. (GA)

On Thursday, XX/XX/2019 my vehicle, a XX/XX/XXXX XXXX XXXX was repossessed by BMO Harris Bank, N.A. for what I presume was for unpaid late charges of {$200.00}. Since Thursday, XX/XX/2019 I have tried on numerous occasions to contact BMO Harris Bank, N.A. in order to resolve the issue. However, I continued to be transferred to different telephone numbers and told to the persons I have spoken to, XXXX XXXX, XXXX XXXX, XXXX XXXX (? ), XXXX XXXX, and XXXX XXXX that they are " sending an e-mail '' to someone who will contact me. 

As of today, Tuesday, XX/XX/2019 I have not been contacted by BMO Harris Bank, N.A. and remain without the use of my vehicle. 

All payments have been made in accordance with the coupons in the bank 's payment book and mailed well in advance of their ten day window for receipt prior to a late fee attaching.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I discovered unlawful unapproved accounts on my profile report. I'm disturbed that you have included the following information in my credit profile and that you have forgotten to keep up reasonable procedures in your activities to ensure the most extreme possible exactness in the credit reports you distribute. Credit reporting rules ensure that credit reporting organizations disclose only 100 % accurate credit data. Each step should be taken to ensure that the data given is completely exact and correct. The following data should be explored in this manner. After carefully downloading my credit report from your service, I'm having a lot of trouble discovering inaccurate/invalidated accounts. Because my information was damaged by the Equifax data breach and may have ended up in the hands of the wrong person, I have no knowledge of these things or false information. You are reporting negligently and incorrectly, as well as failing to comply with the FRCA. I understand you have no legal standing as a federally protected consumer, and you can not hire a counsel to represent you against me. 
I'll seek a default judgment and launch a class action lawsuit under TILA 1640 for violations, stress, and menstrual pain, as well as at least XXXX XXXX  of the company, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Formerly, I made an investigation of some account with inaccurate information in my file. I recognized that the account XXXX  XXXX Date opened XX/XX/XXXX is still incorrect, with a confirmed status.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to FIX this account ( A ). 
XXXX XXXX Date opened XX/XX/XXXX Balance {$100000.00} Never Paid Late. The records reflect a 90 days late on XX/XX/XXXX without preceding 30 or 60 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate. Per FCRA, reporting must be 100 % accurate. Fix negative marks that damages my entire file.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2021, I received a call from XXXX. It was an automated system, claiming to be XXXX, asking had I recently purchased an XXXX XXXX for {$790.00}. I answered no, and was routed to a person that advised me to go to my play store and search for and then download a support app. The app was called XXXX It allowed him into my phone. I wasn't aware of this though. He had me go into the XXXX account and change my password and add otp. The then switched me to a lady. She asked me to go to my bank account app and check to see if the XXXX purchase had went through. She also gave me a number to reach her if I had any other issues, XXXX, and a confirmation number, for fixing the XXXX account issue. Once I was in my account, she started sending herself money through XXXX. I hit no, when it asked did I agree. But at that point, I no longer had control of my phone, or account. And she was able to send money from her side. I called XXXX about an hour after it happened. Then called my bank the following day. Capital One denied all 5 disputes and told me to go back to the merchant. I have the names, phone numbers and email address 's she used to steal my money. And I have filed a police report with the local authorizes in my parish/county. 
XXXX. ) XXXX XXXX - {$220.00} XXXX XXXX. ) XXXX XXXX - {$500.00} XXXX XXXX. ) XXXX XXXX - {$500.00} Ph # XXXX XXXX XXXX. ) XXXX. XXXX XXXX XXXX {$490.00} & {$500.00} Ph # XXXX XXXX
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. (AL)

I AM LOOKING AT MY CREDIT REPORT AND I AM INFORMING YOU GUYS THAT I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS OR INQUIRIES DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS WERE AUTHORIZED. REMOVE THEM BC THEY ARE NOT MINDS.
Consumer complaint received 2022-08-16
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. (NY)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$11000.00} XXXX XXXX  XXXX Balance {$1100.00}