davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (MN)

I had a XXXX XXXX credit card that was close to the limit for a trip to XXXX for my sons wedding few years ago. Had auto pay with XXXX XXXX card services and never a late payment for years. Sold my house XX/XX/2021 and loan XXXX said pay off card to increase my score for new mortgage. Loan officer re pulled credit for upstate and XXXX reported a 30 day late for XX/XX/2021 and my FICO plumited down and I can not get a mortgage. Payment was not late however they reported me 30 day late on credit report. This loan was paid off in full on XX/XX/XXXX and I have proof and XXXX confirmed but wants me to dispute with the credit agencies any can take too long.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

In mid-XXXX  I received a " Mortgage Guaranty Insurance Pricing Notice '' with concerning information ( the notice cited 'key factors adversely affecting my credit score ' as " level of delinquency on accounts '', " too many inquiries last 12 months '', " time since delinquency is too recent or unknown ''. ) This was concerning to me as the only major purchase I have made in at least the past 2 1/2 years has been the purchase of my house- and I am not aware of delinquencies on any of my accounts. I am concerned that the information being reported may be the result of identity theft, or errors on behalf of the reporting agency. 
The noticed states " You have a right under this Act ( Fair Credit Reporting ) to obtain a free copy of your credit report by requesting it from the consumer reporting agency identified below within 60 days after receipt of this notice. You also have the right to dispute the accuracy or completeness of any information in that credit report by contacting the consumer reporting agency. '' The consumer reporting agency was identified as Equifax Mortgage Solutions. I have contacted this agency twice. Representatives first refused to provide the report, and then attempted to force me to pay for it. The report is guaranteed to be free by the Fair Credit Reporting Act. After an excessive amount of time and debate, a representative stated that a copy of the report would be sent out without charge- to an old apartment ( this conversation occurred XX/XX/2021 at XXXX ). I agreed that the report could be sent to my old apartment as my lease for the property was still active. However, I never received the report that was supposed to be sent to that address : I have not been able to obtain any reports. My request is simple : to obtain a free copy of my credit report as promised in the Fair Credit Reporting Act. 
Attempting to resolve this issue with Equifax Mortgage Solutions has been exasperating : throughout the process their representatives have been unhelpful, argumentative, and unpleasant.
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In XX/XX/2021. I received a letter from Portfolio Recovery Associates reported that they took over an unfamiliar credit account to me from XXXX XXXX XXXX  due to the outstanding balance was {$2600.00}. This is very strange for me because I have never purchased anything from XXXX before. I believe that I am a victim of identity theft because I did not make any of those transactions and also did not authorize use of my name and personal information to anyone else except me. On the day I talked to my banker about the fraudulent transaction, I found out that my XXXX  credit journey has been checked out by some members of dark web society twice. They also tried to steal my XXXX password.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

Amerisave File # XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Application completed on XX/XX/XXXX Loan terms = Rate was 3 % {$6200.00} points not locked XX/XX/XXXX Loan terms changed to 3 % {$4000.00} points locked expired XX/XX/XXXX because we were supposed to close by then. 

XX/XX/XXXX received another loan terms agreement - Rate 3 % {$3900.00} points with lock in expiration of XX/XX/XXXX. 

XX/XX/XXXX ( 2 days before closing ) we receive another loan terms agreement - Rate 3 % {$10000.00} points. We called the loan officer and processor and no one would call us back. We were finally told that they pulled our credit and your credit score changed. I said you never advised us you were pulling our credit ( 3 people on the loan ). Whose credit score dropped and to what and why? And they could not and would not provide any further information. As we had waited for 4 months and were closing in 2 days, we had no choice but to close with the points that we never agreed to. 

XX/XX/XXXX closing statement Rate 3 % {$10000.00} points. So basically this company can charge whatever they want whenever they want to and get away with it. This is the story of a true bait and switch. Once we were locked in, it was impossible to reach the loan officer or the underwriter or the processor. Whatever they asked for we provided within minutes even after they had already requested the same thing 2 times before. There horrible processes and response time is not the issue here. The fact is that we started with one rate and ended with another one. The numbers kept changing when someone decided to. When I asked about the low rate given in the disclosure on XXXX, I was told that was a mistake. Really?? This is just wrong. 

They required payoffs of certain outstanding debts. One was a XXXX interest loan that I did not want to pay off but I paid it off anyway and sent in the proof of payment and they still paid the bill anyway causing me to have to request a refund. They mailed paper checks to several other debtors which were never received. We had to request stop payments and have new checks issued but those checks still have not been cashed. 

They assured us that the past due homeowners insurance payment would be sent XXXX and they mailed it regular mail. The insurance company cancelled the policy and we were forced to get a new policy with an increase of over {$2000.00}. 

The people that work here were always pleasant and sorry.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

On XX/XX/XXXX I iled a legitimate dispute with Direct Express regarding {$390.00} of fraudulent charges on my card make by eve XXXX. Having never filed a dispute before I made sure followed there dispute process throughout their investagation. I was given a provionsal credit of {$390.00} until they completed their investagation.. upon completing their investagation they determined the was no error made. I received a letter from them them stateing they were reversing the privionsal credit in the amount if {$0.00} when they actually withdrew {$390.00}. My claim was a legitimate claim. I contacted the XXXX  and found countless of people who had experienced the exact situation that I did however their banks honored their disputes and Direct express denied mine. I requested a copy of the documents direct Express used in determining the outcome if my dispute and have not received them.
Consumer complaint received 2023-02-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX CXXXX XXXX XXXX  XXXX XXXX XXXX XXXX5 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION (SC)

I the natural person XXXX XXXX received a letter from XXXX XXXX that I owed a debt of {$16000.00}. I have never done any business with XXXX XXXX and according to the FDCPA these are violations to my consumers rights. I have a written down the violations and mailed an invoice of {$1000.00} for each violation which is my right according to 15 USC 1692k civil liability.
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MA)

I am disputing this account because I do not recognize it and I previously filed a report with the FTC for identity theft, I received a letter saying that I had until XX/XX/2024 to contact you regarding this account that otherwise you would assume that this account belongs to me. here I communicate with you using my rights as a consumer. 

XXXX XXXX XXXX XXXX This account is being disputed
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (FL)

I had a Issues with them freezing all of my accounts up some had hacked into my accounts on line like 6 times and I had submitted multiple security appeals and every thing else and I have been getting the run around from the credit unions security operations department I had some one do Identity theft on me and hack into my accounts there and they are treated me like I am the XXXX criminal that did the XXXX and its like they are placing the blame on me instead of the person who did it. There security operations department has made several XXXX  remarks tourds me because of my last name being XXXX  XXXX and refused to remove the security restriction, Want the matter investigated very very Thurley and want them find. For discrimination.
Consumer complaint received 2021-05-28
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. (MO)

The following accounts are not mines these unauthorized accounts are fraudulent and even in ligation so therefore I'm demanding that these accounts are removed immediately from my credit files. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX  {$180.00} 3. XXXX XXXX {$570.00} 4. XXXX XXXX {$170.00} 5. XXXX XXXX {$810.00}
Consumer complaint received 2021-05-28
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)

To whom it may concern i have 3 hard inquries from XXXX  which are inaccurate and was resolved a while back as i never made these inquiry 's and this was all fraud the following dates are XXXX  Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX and 1 from XXXX Inquiry from XX/XX/XXXX. All of these inquires were never made by me. This is all fraud. I have called these companies a few times to try to resolve this problem. To my understanding of fair credit reporting act and from what they said this should all have been resolved.
Consumer complaint received 2020-12-03
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. (AZ)

I am a victim of identity theft. I applied for a credit card at XXXX XXXX XXXX on XX/XX/XXXX and was rejected because of XXXX negative accounts ; XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, but they do not belong to me and I never approved anyone to open them under my personal information. My personal belongings were stolen from my house on XX/XX/XXXX which included my Driver 's license and Social Security card amongst other personal items. I filed a report with CFPB already along with a police report with the XXXX Police Department and its an ongoing investigations, no arrest have been made yet. I need these accounts removed from my credit report as soon as possible because I am interviewing for a job and Satisfactory Credit history is needed. I never received any goods, money or services from these accounts. I also never authorize any bank to check my credit much less add accounts to it. My identity was stolen and I already contacted all the banks/accounts subject in this Identity Theft. All statements are true and correct without any omission of facts, to the best of my knowledge Please attach the follow documents to my dispute request.
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO. (MI)

I have been working with chase card to dispute a charge because XXXX charged me for non satisfactory reservation that was canceled due to unethical compliance from their side and to the fact that they provided a reservation that is very awful and the agent was fraudulently giving information. 
I tried to dispute the charge and have been going back and forth between XXXX and Chase one pointing to the other. 
I took every step to cancel the reservation professionally and decently but both Chase and XXXX are lying to me and not taking my concern seriously. I provide all necessary pictures and communication to proof the fraud and sent all texts and emails to both companies to show how the seller had or is fraudulently trying to rent us a messed up room and make the money off the scams.
Consumer complaint received 2021-05-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (NY)

( brief ) Today, I received a call from XXXX. She didn't identify herself and immediately was asking me to confirm my identity. She asked to confirm my name? ( she provide it XXXX. I inquiry about reason of the call. She said she was from XXXX and proceed to ask about my last 4 of my Social Security? XXXX she provided the numbers ) I didn't confirm, instead I asked her about who she was and reason of the call and I continue asking. She hung up. 

I contacted XXXX, they clarify she was impersonating an agent ( they didn't call me XXXX. He gave me some recommendations. I decided to file a report to the Federal Trade Commission and followed their recommendations. I contacted XXXX  and then I did a number search. The XXXX is showed under AMSHER COLLECTIONS. Location : XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX. Phone : XXXX. I decided to review my XXXX  credit report and for my surprise, I find it under Inquiries : AMSHER COLLECTIONS. I filed an FRAUD ALERT. PLEASE, BE AWARE!!!
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Tried to get a new car loan only to find out we had been denied because of a Identity fraud that I and my husband never requested.We had a previous bankruptcy however our credit scores were good enough for a reasonable loan. I was able to get XXXX to remove it I hope. However Transunion and XXXX I haven't been able to contact.Want it off my credit report.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On Saturday XX/XX/2023 at XXXX I attempted to deposit {$1300.00} in cash at the ATM within the Chase branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. The ATM accepted my money, but then presented an on-screen error message stating the transaction could not be completed, and printed a receipt ( attached below ) stating to call the Chase customer service number. It did not return me my money. I checked my account to see if the deposit had completed, however there was no record of it in my account. I called back on Monday XXXX/XXXX/2023 at XXXX, to open a claim about this. The operator stated the money would be credited back to my account, but 3 days later I heard nothing back, and no money was put into my account. Today, XXXX/XXXX/2023, I called back at XXXX to check up on the claim. Both the operator and supervisor informed me the claim had been denied after an ATM audit showing no record of the money, and that they could bot return me the {$1300.00}. I am planning on contacting the XXXX tomorrow to subpoena the ATM footage showing proof of the money being deposited. I have so far received no money from the deposit.
Consumer complaint received 2021-07-18
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. (MD)

XXXX XXXX is False reporting and Fraudulent reporting on a 30 day late payment The information the 30 day late payment was removed from my credit report but put back on my credit report that is a Violation FDCPA Section 807 Misleading False Reporting ... ... ... ... ... ... ... ... Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination Failure to transmit the statement required under section 1637 ( b ) of this title.
Consumer complaint received 2022-10-12
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. (TX)

Hi, I had an XXXX XXXXXXXX XXXX  and I purchased this car back in XXXX and it was never supposed to go on my credit. Also the car is back with the company due to them not being able to fix the car it was broke. The balance is incorrect I also have a letter from them saying it wouldnt be a repo.
Consumer complaint received 2024-02-04
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. (SC)

The CRAs are willfully noncompliant with FCRA regulations. Ive informed them that this information is inaccurate to which they continuously update it as valid. Late payments are being furnished onto my consumer report, and pursuant to FCRA 15 usc 1681a ( 2 ) ( A ) ( i ) the consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Im demanding for ALL late payments to be removed immediately and the accounts to be updated as PAID AS AGREED, NEVER LATE. Further more the Charge offs furnished onto my consumer according to the IRS publications are a certificate of indebtedness that must be removed immediately as this is income and income can not be reported onto the consumer. 26 CFR 1.61-1a THIS IS IN FACT VIOLATION OF MY PRIVACY ACCORDING TO THE PRIVACY ACT OF 1974
Consumer complaint received 2021-05-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (DC)

I applied for a refinance with Pentagon Federal Credit Union in late XXXX. Last week I was told my house was an investment property and no longer qualified for the mortgage I had applied for. The loan officer who discussed my application never notified me that the mortgage was for limited use. Second, my home is not an investment property. Third, the it took nearly three months for them to decide on the mortgage. Fourth, I had to switch to another product. They wanted me to reapply and repay the appraisal fee. Fortunately, one person there figured out how to do the re-application without paying the fee. Fourth, the information they told me was the value on the appraisal was wrong. I contacted the appraiser who told me the value he gave was 30 percent higher. Fifth, I asked repeatedly for a copy of the appraisal since I paid for it. It's been over a week. Dodd-Frank requires that they provide me a copy of the appraisal promptly. Indeed, Dodd-Frank requires that they notify me that I have a right to receive my appraisal automatically. The delays, misinformation, and failure to comply with Dodd-Frank require investigation. Also, the repeated requests for information I had already sent.