davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TX)

I APPLIED FOR A XXXX XXXX XXXX  CREDIT CARD EARLIER THIS YEAR AND WAS DENIED. THE LETTER I RECEIVED, WHICH I HAVE SINCE MISPLACED, STATED THAT THE FICO SCORE WAS THE REASON. THE SCORE WAS LISTED IN THE 400s, AND MY ACTUAL SCORE IS XXXX. I TRIED TO SPEAK WITH A SUPERVISOR AT THE NUMBER XXXX XXXX XXXX , AND XXXX WOULD NOT PUT ME THROUGH. HE TOLD ME THAT THE SUPERVISOR REFUSED TO TAKE MY CALL. ALL I NEEDED WAS THE PHONE NUMBER OF THE DEPARTMENT THAT HANDLES CREDIT APPLICATIONS. IF THE BANK IS GETTING INCORRECT INFORMATION REGARDING MY CREDIT SCORE, I NEED TO KNOW WHERE THE INFORMATION CAME FROM, BUT THEY " REFUSE TO TAKE MY CALL? '' PLEASE HELP!
Consumer complaint received 2022-02-22
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)

I have issues with XXXX XXXX XXXX popping up on my credit report. The Inquiries listed below must be Deleted since I did not Authorize the creditors to pull my credit nor did I authorize any creditor to hit me with a Hard Inquiry please conduct your investigation and DELETE any and all Hard Inquiries. I am not applying for any credit since I am looking to purchase a home in the near future. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX Equifax XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (UT)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. 
XXXX XXXX  XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2019-06-18
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. (CA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2019-06-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/XXXX I sent a certified letter with 3 separate disputes however 1 of the disputes does not have an open dispute for these items. The dispute in question is for inquiries on my experian credit report. I sent a dispute with a number of inquiries in question and still have not seen a case open for the items in question. 

XXXX XXXX Last 4 of SSN XXXX DOB XX/XX/XXXX
Consumer complaint received 2019-06-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA (TX)

Hurricane Harvey flooded the car out in XX/XX/XXXX, the insurance company considered car as " Total Loss '' in XXXX. The car was paid off with a balance owed of 1month, for deferred payment, and another part of {$160.00}. ( for putting the wrong part on car from previous accident ). 

After updating my history with KIA MOTORS, the account was still " opened '' on my report in " good standing '' as of XX/XX/XXXX. After requesting an update, they put my account as " Charge off '' and not paid since XXXX for over {$1800.00}. The insurance company sent a payout to KIA MOTORS on XX/XX/XXXX. 
This was a result of a NATIONAL DISASTER and i feel as though KIA MOTORS is taking advantage of a hardship that we all felt in XXXX
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have issues with XXXX XXXX XXXX popping up on my credit report. The Inquiries listed below must be Deleted since I did not Authorize the creditors to pull my credit nor did I authorize any creditor to hit me with a Hard Inquiry please conduct your investigation and DELETE any and all Hard Inquiries. I am not applying for any credit since I am looking to purchase a home in the near future. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX DC XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of 2014 Bank of America put a 30 day late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because they closed the account, then reopened the account when I disputed the issue with a branch manager in XXXX XXXX NY. However, they never removed the late payment that was associated with the same issue. It just popped up on two bureaus and has severely lowered my credit score.
Consumer complaint received 2019-04-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC (FL)

I am buying a new construction home with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL ) - Per the contract we have to use their lender, Eagle Home Mortgage ( EHM ), in order to receive closing costs credit ( {$22000.00} ). 

EHM is up charging the interest rate by over 1 % which ultimately causes the buyer to finance their own closing costs by paying them back to the lender who is also the builder. This has not just happened to me! We have at least 2 other verified cases of this with other people with stellar credit being changed 1 % to 1.5 % higher than market rate. 

It is common practice for a buyer to take a higher interest rate to get a lender credit towards closing costs that they may be unable to cover BUT the contract clearly states that XXXX is covering {$22000.00} towards closing costs so WHY would a buyer need such a high interest rate if there is no lender credit? 

If I am one of 3 in one NEW community that this has happened to how many people has this happened to that aren't even aware! 

Copies of supporting documents to this claim have already been sent to various local and national news outlets.
Consumer complaint received 2022-02-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XX/XX/XXXX XXXX XXXX was paid off. 
XXXX USAA Bank XX/XX/XXXX automatic payment was taken out of my checking account for the amount of {$300.00} after the loan was satisfied. 

XX/XX/XXXX called USAA bank to see if I can get my money back. Still nothing. 

I called USAA on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about helping get back my {$300.00} back into my checking account and stoping the automatic payment from happing again. Also, about title for the car no help just the same thing over and over nothing.
Consumer complaint received 2019-06-18
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ;
Consumer complaint received 2019-06-18
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. (CA)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX Account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On or about XX/XX/2019, I sent Capital One a letter requesting to lower my ( APRs ) and interest rate for a couple of months until I get back on track with my credit cards payments for two credit cards. I explain to them that I was having a hardship and spoke to several representatives in the month of XX/XX/2019, XX/XX/2019, was told by XXXX a letter went out, spoke to XXXX XXXX XXXX, XXXX  XXXX XXXX, and XXXX   XXXX XXXX, and she told me that the late fees will be removed for 90 days on both accounts the XXXX XXXX credit card and the Platinum credit card. I explain that I needed to pay {$25.00} a month until XX/XX/2019, due to illness and the government shut down which was told to them a few months ago because I relied on my finance income as well and he works for the government. Until XX/XX/2019 I have never paid Capital One late for years and XXXX told me I would be put in a program from the Speciality department at Capital One on XX/XX/2019, but I have never received anything in writing stating what is told to me over the phone, and every time I called back I have to start over again with another representative with the process. General letters are sent out without with Capital One un-willing to lower the interest rate of ( APR, s ) on both cards a letter was sent from the on XX/XX/19 and XX/XX/19 and everything promise over the phone was not put in writing from the Specialty department and no person to contact on the letter sent out to me.
Consumer complaint received 2019-06-18
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)

My name is XXXX XXXX my social security number is XXXX date of birth XXXX XXXX XXXX. .my complaint is that Experian fraud dept supposed to block the three negitive accounts from XXXX  XXXX that are fraud. I submitted police report. They told me obce they have police report. They can block those 3 negative accounts from XXXX  XXXX from not showing on my credit report. I call them yesterday and they told me that they have police report on file. My complaint is that they didn't block the three negitive accounts yet. Can you please have Experian block these fraudulent items thank you
Consumer complaint received 2019-06-18
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. (TN)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX  )
Consumer complaint received 2019-06-18
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. (CA)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

in accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXXl Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX US Dept of EDXXXX Account # XXXX US Dept of EDXXXX 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
Consumer complaint received 2017-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America has made it very difficult to access funds direct-deposited into my checking account. I recently had to travel across the country to deal with a family death, and wanted to move some funds to a credit union I 've been a member of for decades. That way I could avoid traveling with a large amount of cash, and would have access to the funds at a familiar location at my destination. My first plan was to write a check on my Bank of America account and deposit it to my credit union, in time for it to clear before my arrival. However, BANK OF AMERICA HAS NEVER SENT ME A SET OF CHECKS FOR THIS ACCOUNT. I am perplexed as to how a " checking account '' does not come with checks. Next I looked into transferring funds, but Bank of America charges {$3.00} to transfer funds to another institution. I have never encountered such a fee. As I prepared to leave town, I started to panic that I would not have money when I got there. Finally, going through all my new-account materials, I found one single temporary check that looked fake and unofficial, and used it for lack of other options. Meanwhile, I did n't realize that my wife tried to help me out of the stressful situation by withdrawing from a Bank of America ATM near her office, and deposited the cash into our credit union immediately before I left. Had I known that day, I would have stopped the temporary check, but I did n't know we had duplicated efforts for a day or two. The temporary check bounced and Bank of America assessed a {$35.00} fee for the returned check. When we discovered the problem we immediately made a big deposit into the Bank of America account to cover it and ensure the account is in good status. Then I contacted Bank of America to explain how it occurred, and asked them to waive the fee. The Bank refused, and still has not sent me pre-printed checks for this checking account. Bank of America seems to set its customers up for failure by making it difficult to transact without fees. So I am asking the CFPB 's help. Thank you.
Consumer complaint received 2015-05-27
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Flagstar Bank, National Association (OH)

Received letter dated XXXX/XXXX/XXXX stating that my 15 yr HELOC loan I will have to be paid off on or before and will not be renewed in XXXX. I was lead to believe at time of signing that they could renew loan after initial 15 yrs. This was also reiterated by XXXX XXXX XXXX XXXX, Senior VP XXXX XXXX XXXX New York Community Bank, a couple of yrs ago. I emailed and called her when I received inclosed letter and she said I should start looking for another solution now. Never offered any other loan or help from NYCB. They bought out and closed down my bank branch in XXXX but serviced the loans. Please see section XXXX of agreement I signed in XXXX. I believe servicing the loan also means according to agreement.
Consumer complaint received 2019-06-18
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. (TN)

How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous..Fix the account XXXX - XXXX XXXX.. ..please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for