davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-11
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: CITIBANK, N.A. (GA)

This Complaint is intended as means to clarify my contention that the XXXX laptop computer I purchased from XXXX on XX/XX/XXXX is intended as more or less a disposable toy designed to generate as much revenue as possible for XXXX and its myriad partners, largely -- but not entirely ( the system battery is by no means intended to be accessible to users, as I have yet to even locate it ) -- owing to the absence of adequate cooling for the device 's Central Processing Unit. As seen in the attached photo, the customary cooling configuration for laptop computers involves the use of CPU paste ( not visible in the photo, but assumed to be present ) and an exhaust fan which sucks air through its top and blows it out the side air vents of the laptop, while also funneling air to the CPU via a flat copper rod. While the this configuration may well suffice for an XXXX CPU whose maximum speed is 2.4 GHz, it can not adequately cool an XXXX CPU whose nominal speed is 2.4 GHz -- designed to operate at speeds as high as 3.3 GHz -- as is the case with the XXXX XXXX mobile CPU that powers my device. This explains why my device is not reliable for anything more CPU-intensive than email, as the device will invariably crash when used for extensive multi-tasking of any kind or intensive video rendering. 

Moreover, the device is recycled and fraudulently advertised as retail, as XXXX has persistently failed to provide me with an explanation for the six-month discrepancy between when my laptop computer was manufactured on XX/XX/XXXX and when it was allegedly received ( and subsequently registered with the manufacturer, XXXX ) on XX/XX/XXXX by the supposed distributor, XXXX XXXX ( XXXX ), given the precarious and short shelf-life of laptop batteries. As recently as XX/XX/XXXX, I presented Citi with an offer to be forwarded to XXXX that I would reduce the amount of the dispute in question from {$370.00} to {$50.00} if XXXX were willing to demonstrate that the relevant issue at work with the dispute in question is shoddy ( as opposed to fraudulent ) distribution by procuring from XXXX a replacement device that can be verified as having been manufactured within a month of being delivered to me. Thus far, Citi has failed to even acknowledge receipt of my offer, which I resubmitted today via fax.
Consumer complaint received 2018-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (SC)

Several times, I get calls through out the day I ask not to call so many times and asked them not to call so many times they told me they have to call. So right after they would speak to me a co signer they would call XXXX or vice versa and start the process all over like they never spoke to any one. So when the hurricane hit Hurricane Florence they asked if we were okay from storm or etc and advised XXXX that he could do an 3 month extension so he turned in the paper work and then they kept saying oh you have to wait, so they finally called back and said where is the payment, so we explained what happened and they said they see paperwork but it cant be 3 month it has to be a 2 month after to speaking to several supposed supervisors and account managers so we turn in the 2 month paper work and they changed the payment due date, so that was not fine but advised of when we could pay so a few days later a call again telling us we are 90 days behind when that isn't true every time u ask them about there XXXX they say oh now I see the notes, so I asked the balance, they guy says a higher amount and says oh sorry the late fees don't get pushed back with the 2 month extensions so then made an arrangement due to amount being higher get calls again and a rep tells me about my smart a mouth and literally cusses at me. I have never had so much disrespect from a loan provider.
Consumer complaint received 2018-03-12
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. (MA)

On XX/XX/XXXX, I disputed the date and amount that was stated on my credit report by XXXX XXXX. I asked that the date and amount be invested because it showed an open date of XXXX. They claimed to have investigated the amount and change the balance to XXXX, but they left it on my credit report. Yesterday I checked my credit report, and it dropped from XXXX to XXXX. I can only assume XXXX XXXX is now XXXX XXXX XXXX and they are falsely reporting the amount and dates. It states I opened the account in XXXX. I never applied or signed a promissory note for any loan in XXXX. I tried calling the number on the report but it's out of order. 

I never received any documents from the credit bureaus on the results of their findings regarding the investigation, but this information is inaccurate. I would like to be provided with the original documents as proof, but the bureaus have not provided me any information. They ruined my credit by reporting false information.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX 2021
Consumer complaint received 2018-11-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

checked my credit report about 6 months ago and saw that a payday loan of {$1400.00} from SpeedyCash which I never applied for. Disputed the loan several times with them via phone calls to which has not been successful. I also disputed this loan with XXXX but haven't seen any replies back.
Consumer complaint received 2023-12-29
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
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. (GA)

I am writing to bring to your attention the ongoing and frustrating situation regarding the reporting of inaccurate information on my credit file. Despite my numerous attempts to rectify the issues related to both a late open account and the presence of charge off accounts, the inaccuracies persist, negatively impacting my creditworthiness.Under the Fair Credit Reporting Act ( FCRA ) it is the responsiblity of the credit bureau 's to correct or remove the said accounts in my credit file. 
I am now submitting a formal complaint and urge the credit bureaus to conduct an immediate and comprehensive reinvestigation into the reported inaccuracies, including both the late open account and the charge off accounts. 

I am deeply frustrated by the persistence of these inaccuracies, which have significant consequences on my financial well-being. I trust that, given the gravity of these matters, your team will prioritize these issues for immediate resolution. I am asking for your assistance to correct these late open and charge off accounts in my credit file : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2021-12-06
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)

I have reached out to XXXX XXXX Credit Card services several times However I received a some feedback from Experian that is unacceptable ; I have send in appropriate documents since the beginning of XXXX  then I was told to file a complaint with the company myself. So now I am going to follow protocol about this issue. Thats why I disputed the erro with the bureau. Also XXXX XXXX did not have my number nor my mailing address until I started filing dispute about fraudulent items in my credit file.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-12-28
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. (TX)

These inquires are fraudulent 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 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 2018-11-19
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. (NY)

Equifax has not updated accounts and are incorrectly reporting closed accounts as open, and are incorrectly reporting revolving balances that were paid down. As a result, my credit utilization being reported way higher than in actuality and my credit score is being drastically affected as a result of this misreporting and failure to update.
Consumer complaint received 2023-09-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023 at XXXX I call Chase Bank 's customer service line to ask about an incoming international wire transfer. The representative said I would only be charged {$15.00} by Chase Bank. I asked specifically about intermediary bank fees and was told that Chase does not use any intermediary banks so there would not be any intermediary bank fees. 
I then opened an account at Chase Bank to receive the {$40000.00} wire transfer. When I received the money on XX/XX/XXXX, {$120.00} was missing. When I inquired why, a different Chase representative said that intermediary bank fees had been charged and that the initial information was wrong and that the bank would not refund the fees despite the misleading information that caused the charge.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AXOS FINANCIAL, INC. (CA)

Axos Bank intentionally stalled the refi process to change the rate from 3 % to 4.5 % Timeline XX/XX/XXXX I started the Refi process with Axos Bank XX/XX/XXXX I was unjustly denied based on Axos miscalculation my income. 
XX/XX/XXXX After speaking with a supervisor, Axos bank restarted the application process. 
Axos kept delaying the process for weeks at a time for no apparent reason. I always sent in the requested information in a timely manner. 
XX/XX/XXXX After XXXX  months of stringing me along ( counting from the XXXX  time of application ), Axos finally approved my mortgage... 
... BUT Axos broke the rate lock right before doing so. 

They knew exactly what they were doing, knew where the process was holding, and delayed the refi in order to able break the rate lock since mortgage rates were climbing. 
This is not just bad customer service. This was deliberate and intentional to be able to charge more.
Consumer complaint received 2023-01-11
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. (PA)

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 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 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : Name 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 2020-01-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC (KS)

the title loan company is harassing me at work calling my work all time of the day 5 to 6 times a day my cell phone 5 or 6 times a day. I have ask them not to call my job 3 times and the calls continue they told my coworkers who they were and so all my coworkers know my personal info.
Consumer complaint received 2023-01-04
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, regarding account number XXXX XXXX in the amount {$78.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RELIANCE FIRST CAPITAL LLC (NC)

After 3 months of processing, and 2 days before closing, I was told I dont quality.

OnXX/XX/XXXX, I applied for a refi for my primary property ; corresponding via phone and email with XXXX XXXX   at Reliance First Capital in XXXX, NC. My initial request and conversation with her was to ensure that my debt-to-income ratio was sufficient and that I could use the rental income on my second investment property as income. See emails attached. I wouldn't let them pull my credit until they verified this information.

I submitted all paperwork and was approved for the loan for $ XXXX@ 4.5 % for 30 years and was in the final stages of the loan process in XX/XX/XXXX, per the closing disclosure information I received via docmagic.com, as well as XXXX emails to me ( attached ). Loan Number : XXXX.

I executed three sets of Closing Disclosures, was told several times that I would close on the loan tomorrow or next week. After 3 months of submitting ALL necessary paperwork, paying appraisal fee of {$500.00}, paying for HOA forms fee of {$210.00}, being told I was closing within days, I receive a call from XXXX  's manager, XXXX XXXX who told me that I didnt qualify and it was because of the Dodd-Frank act. I dont understand how an act set up in XX/XX/XXXXcould have affecting a closing that was to finalize within days. Now interest rates have increased substantially and I am out thousands of dollars due to their error. They deleted the latest Disclosure statement in XXXX, but I have all other copies and emails.

Attached, copies of email correspondence, documents, and Closing Documentations submitted.

XXXX XXXX : XXXX XXXX XXXX XXXX : XXXXXXXX Lender License No. : XXXX  NMLS ID : XXXX
Consumer complaint received 2021-12-06
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. (MS)

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$420.00} Dates of late : XX/XX/2021 I am not sure how I was late on XX/XX/2021 but I have always paid this account on time when I receive my statements. I might have received my statements late.. I am not really sure how this happened. But this was paid on time.
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

I have been fighting with Chase Bank about some charges that were made with my physical credit card that are fraudulent for 6 months and they have denied my right to remove the charges three times. There are 13 charges totaling {$810.00} over an XXXX  day period ( XXXX XX/XX/21 ). I have spent countless hours on the phone with so many XXXX and XXXX in their fraud department without being able to speak with anyone who actually makes the decisions to accept or deny fraud charges. Both my XXXX and I have a card under the same account with credit card numbers. I didnt realize that my card was lost over this 8 day period and my XXXX  card was being used legitimately. When I saw these fraudulent charges, I immediately reported them to Chase. I figured it must have been lost at my neighborhood XXXX while I took in the card to change the card I had on file. Chase contends that there cant be legitimate charges during the same time as fraudulent charges. But it can when all of the fraud charges are from the same card while all of the legitimate charges are from a different card. Everytime the person ate out, they added a tip bringing the amount to a number with no cent like {$180.00}, {$50.00}, {$65.00}, etc. I never do that! I went through all of the time stamps on the 13 fraudulent charges. One of the restaurant charges was time stamped at XXXX am on XX/XX/21 for {$100.00}. I have never eaten out anywhere at XXXX on a Wednesday night for all the years Ive had the credit card. Id be home asleep with my XXXX  and XXXX kids. Many of the charges are near XXXXXXXX TX which is not a city I ever frequent.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Privacy Act of 1974 A charge off is considered a Certificate of Indebtedness which means it is income and must be removed! 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 Effective Immediately and Indefinitely