davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST REPUBLIC BANK (CA)

We are in the midst of construction and realized we needed a significant change order due to some structural issues that arose. We called a number of banks and found out that most banks would n't do a home equity loan while under construction. We spoke to First Republic and they said that they could do things other banks could n't and offered us a home equity loan. We spent two months filling out paperwork, notarizing items, and working through their process. I was also told I could draw on my original home equity loan at another bank during this process. However, when I went to write a check I realized that they had closed my home equity loan with my other bank!
After two months, they called me and explained that they were n't giving us the loan since we were too early in construction. This seems crazy considering that they had an appraiser come out and photograph the project and we were very honest as to where we were in construction. Another large issue is that they tried to force me to open a checking account and I refused until they opened the loan.
Therefore, my complain is on three fronts : ( 1 ) useless opening of loan paperwork due to lack of due diligence, ( 2 ) closing of my other accounts when they specifically told me using that old account was not an issue and ( 3 ) trying to force someone to open a checking account for a loan they were not planning to grant me ( bait and switch ).
While I 'm not doing business with this company ( nor would I ), others should be warned about their business practices.
Consumer complaint received 2023-01-28
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

XXXX. XXXX XXXX XXXX XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (NC)

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 about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

Pennymac bought my loan in XX/XX/2021 and immediately lost my first check. 
I XXXX  the second check which they received on XX/XX/2021. 
I made a one time electronic payment to make sure the XX/XX/2021 payment was made.

Pennymac STILL has not cashed the check they received on XX/XX/XXXX. They said it could take up to five business days to cash the check. 

Pennymac claim to have begun processing of the check on XX/XX/XXXX, and read to me my check number and an internal tracking number. My bank routinely processes my checks and has received nothing even though Pennymac claims to have begun some processing procedure internally in their company.

They have received payment and it is Pennymac 's responsibility to cash the check. I and my bank have done nothing wrong. Pennymac must cash the check and keep my account current.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XXXX data breach
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

GOOD DAY I SUBMITED MY LOAN MODIFICATION REQUEST AND WAS GRANTED A LOAN MODIFICATION. I HAVE FOR THE LAST THREE MONTSH HAVE BEEN MAKING MY TRIAL MODIFICATION PAYMNET ON TIME. EACH TIME SENDING THE PAYMNET VIA CERTFIFIED FUNDS AND MAIL. 
I RECIVED A DOCUMENT FROM FAYE SERVICING THAT SAYS MY MORTGAGE PAYMENT WILL INCREASE ANOTHER XXXX XXXX DOLLARS NOT TO MENTION THAY HAVE INCREASED SEVERAL XXXX  OF DOLLARS TO MY PRINCIPAL MORTGAGE. I HAVE ATTCHED THE CORRESPONDENCE. 
I WILL CONTINUE TO MAKE MY TRIAL PAYMENT AMOUNT WHILE I ASK FOR YOU HELP IN GETTING SOME ONE FROM THERE EXCEUTIVE OFFICE TO PROVIDE A PAYMENT HISTROY, IN ADDITION AS TO HOW MY PRINCIPAL HAS BASCIALLY INCREASED BY XXXX  OF DOLLARS. 

I am writing to you regarding my loan modification document which I received on XX/XX/2021. I have left 2 messages for XXXX XXXX with no response. 
My principal balance on my Fay Servicing XXXX statement shows as {$240000.00} and my escrow balance shows as - {$9400.00}, total being {$250000.00}. The principal balance on the loan modification document shows as {$270000.00}. Thats a discrepancy of {$20000.00}. In my messages to XXXX I asked for a explanation of this discrepancy. 
I can not sign these documents without an explanation as there was never an agreement for Fay servicing to add {$20000.00} to my principal balance. 
As you are requesting these documents be signed, notarized and returned by XX/XX/2021, this issue is paramount. Giving me 5 days to review, sign and notarize is not acceptable. 
Please advise me of the discrepancy between the loan modification documents principal balance and my most recent statement from Fay servicing immediately. You may respond by email or you may call me at XXXX and/or call my HUD representative, XXXX XXXX at XXXX.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FRCA -- they are required to " ... promptly delete all  information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Regarding chargeback case # XXXX, I followed everything dispute management told me in order to bring this case back into timeframe come to find out they told me incorrect information. I would like to request courtesy rewards points/cash for this mistake done by dispute reps. It took me a very long time to resubmit my case, apply, chase down the rep who was on my case. Now I am given the run around of this isn't possible etc.
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (MD)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA, Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. XX/XX/XXXX; If Experian and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
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 2023-01-28
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: Experian Information Solutions Inc. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello Parties involved is my XXXX XXXX XXXX Card- Account Number ending in XXXX which closed back on XX/XX/XXXX but I still have a owing balance of {$390.00}, The problem is 1. XXXX has my closing date recorded incorrectly showing XX/XX/XXXX, but it should be XX/XX/XXXX. { Can you please have them correct. } 2. XXXX is not reporting this account at all on my credit report. 
3. Transunion is not recording this account at all on my credit report.
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FirstPoint Collection Resources (AL)

On X/X/2017 at XXXX and XXXX, a representative, 'XXXX. XXXX ', with FirstPoint Resources disclosed nonpublic personal information regarding a debt of mine without verifying who she was speaking with. On both phone calls, the representative disclosed my name, address, amount of debt, and original debtor without verifying who she was disclosing that information too. Luckily for me, I was the one on the other end of the phone call in both situations ; however, that information could easily be in the hands of someone else for identify theft purposes now which is a major concern.
Consumer complaint received 2017-08-04
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: DISCOVER BANK (NC)

My wife and I have been subject to family credit card abuse. In   XXXX    2016 my wife allowed our daughter to use our Discover card for 2 rent payments. Our daughter and our estranged son-in-law used that card for other purposes, and when my wife canceled it, they originated a Discover card of their own with my wifes info and had it mailed to themselves and then they made thousands of dollars of   XXXX   XXXX    purchases, cash advances, etc. We have cancelled the Discover card at least 3 times to stop this abuse. We have filed the required Police report. We have talked to Discover over 20 times, for probably over 30 hours and they have found 'no fraud ' because of my wifes earlier allowance of the use of the card info for 2 rents.   XXXX   XXXX  ,   XXXX   XXXX     XXXX    XXXX   XXXX   have all found and substantiated 'Fraud ', yet Discover has n't. We have provided them all of the fraud transactions, and have sent them a 4 page letter detailing all of this. Every time we call the Disc. fraud dept. we get a different person, and they say they will not investigate further. 2 withdrawals totaling {$11000.00} thru   XXXX   XXXX  ,  XXXX  Pa, in  XXXX  still have n't been investigated by them, and we are fearful that pertinent information about those may be lost due to Discovers inaction. Discover disregards the fact that we canx 'd at least   XXXX   cards in a period of a few months to stop this abuse. Without this getting resolved we ca n't get our relationship back with our daughter and that is killing us emotionally!
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NY)

This past summer, I received physical mail informing me of a promotional offer regarding opening a Wells Fargo checking account. Wells Fargo offered a {$320.00} bonus in exchange for opening an account and meeting the below qualifications : XXXX. Opening the account using their promotional link as found in my letter. XXXX. Opening the account by XX/XX/XXXX. XXXX. Connecting a direct deposit and depositing XXXX XXXX within XXXX months. I met all of the above requirements. I contacted Wells Fargo after meeting the requirements and they asked me to wait until the 3 months had passed for the bonus to deposit. The 3 months came and went but no bonus was deposited. I have since spent at least XXXX XXXX on numerous occasions throughout XXXX and XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on the phone with Wells Fargo customer service, in an online chat with their customer service, and to top things off, they asked me to come into a physical Wells Fargo location where they assured me they would be able to take care of this matter but did not - complete waste of my time. They have now closed my case claiming there was no promotional offer found on my account and that I must not have used their promotional link. I absolutely did. The link was " wellsfargo.comXXXX XXXX  and I would not have signed up for an account without ensuring I used their link. This is actually the second time Wells Fargo has reneged on a sign-up bonus. I had a similar experience opening up a credit card with them a couple of years ago and I was hesitant to now sign up for this offer as well, only for my fears to be confirmed. They responded to this complaint without reading any of it, instead only commenting about the credit card, and not addressing the new CHECKING ACCOUNT ISSUE. This complaint is about the CHECKING ACCOUNT BONUS THAT WELLS FARGO RENEGED ON. NOT the credit card bonus that they reneged on, as this was addressed over a year ago. I don't usually use all caps but the lack of attention to detail in Wells Fargo 's responses has been unbelievable. Again, I absolutely met all requirements and to claim that I did not is a flat out lie.
Consumer complaint received 2020-06-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank lost my refinance check. Not refinancing my car loan will cost me {$4000.00} and it will allow Chase Bank at least {$5000.00} more in interest during the life of my car loan ( if I only make minimum payments ). The check was sent to the right place for the right amount with the correct information. There was no reason for them to lose the check. They have also had more than enough time to apply it as confirmed by the director of my credit union retail division.
Consumer complaint received 2024-02-22
Product: Credit reporting 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. (FL)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING INQUIRIES 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 XXXXXXXX XXXX, and XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from 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 and XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.