davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Commerce Home Mortgage, Inc (NJ)

Change has switched my loan type from a conventional 30 year fixed to an " interest only '' loan after sitting on my loan for 2 months and 3 days before my rate expires. They are doing this because they no longer offer the original product I was locked into early XX/XX/2022. This is beyond frustrating as we are already in breach of contract due to the ongoing delays caused by change. Change does not reply to any of my communications and they continue to intentionally let my rate locks expire with their tactics. Just last week XX/XX/2022 due to the delays caused by Change XXXX, I was forced into a loan that was 1.15 % higher ( from 5.1 % to 5.75 % to 6.25 % ) than my originally locked loan due to the intentional delays and now they switched the product on me 3 days before the new rate expires. 

I had originally filed a complaint ( XXXX ) with CFPB regarding the malpractice from Change Lending XXXX XXXX Change has been forcing me into higher rates by not providing me with a clear to close. They stop communicating with me every time my new locks expire and then force me into higher rates by telling me " take it or leave it ''. If I leave the loan the seller will sue and I will lose my deposit and any additional damages.
Consumer complaint received 2021-02-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was scammed over the phone by XXXX XXXX  on XX/XX/XXXX when they said that they worked for XXXX XXXX stated they would sell XXXX  three weeks of that I had accumulated. I need to pay XXXX $ and in return they would pay me XXXX $ for each week that they would rent.After using my Bank of America credit card to pay the XXXX $ I immediately called my bank and open a Fraud claim we also changed the card number.In XX/XX/XXXX Bank of America fraud department paid for the scam, I called their fraud department to reopen the fraud claim.XXXX XXXX Bank of America denied my fraud claim again and sent letters and made phone calls demanding payment along with reporting the charge to the credit reporting agencies.Take it I have been banking with Bank of America for more eighteen years.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you and all credit agencies, equifax, XXXX, XXXXXXXX XXXX XXXX, etc. as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account. these debt collectors failure to verify this account is trespass on right to privacy and to contract. Under the FDCPA, 15 USC 6802 unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.

I require the following accounts be verified or removed immediately XXXX Ref # XXXX XXXX Ref # XXXX
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My XXXX  XXXX bankruptcy discharged XXXX XXXX XXXX. XXXX was notified by the bankruptcy court, Experian, and myself of the discharge which includes them as a creditor. Early XXXX XXXX XXXX, I followed up with XXXX legal department to inform them that they're illegally reporting a balance currently being owed and was told that they would update my credit report to show as included in bankruptcy. As of today, XXXX has not resolved this issue and they're still reporting a balance owed. All of this after being provided a letter that I'm no longer liable for the account. 

I've made contact in XXXX and XX/XX/XXXX via Experian and via email XX/XX/XXXX & XXXX.
Consumer complaint received 2022-04-27
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. (MI)

In accordance with The fair Credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions USC 1681 XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2019-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (NC)

Credit union transferred my checking account balance to my credit card which caused a debit to bounce, resulting in {$110.00} overdraft fees. 

I called the credit union today ( XX/XX/XXXX ) and stated that if the credit union had not transferred my balance the debit would have cleared my account thus there would not be an overdraft on the account. I requested removal of the overdraft fees as I have NEVER had an overdraft on my checking account before. 

I was told that when I opened the account the paperwork stated that if a credit card payment is late funds will be transferred from other accounts. I opened the account in XXXX and have not had money transferred from my checking account before although my credit card payment has been late before. 

Navy Federal Credit Union did not give me any advance notice that they were transferring my account balance to the credit card. As the credit union has not done this is the past I had no idea my debit would bounce.
Consumer complaint received 2021-02-01
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: SYNCHRONY FINANCIAL (RI)

have numerous fraud over the past years- in XXXX XXXX I have had 4 credit cards and checking accounts opened up in my name. When I downloaded a credit report -synchrony card bank says that I have had a paypal credit with an outstanding balance- I have had frudulent activity with my paypal and XXXX accounts- when i dispute this they say its deemed as that i benifited from the accounts- but i have had no proof that it was infact me
Consumer complaint received 2022-04-02
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: JPMORGAN CHASE & CO. (CA)

I drove to XXXX XXXX XXXX XXXX on XX/XX/2022 to go hiking around XXXX. I left my car on the side of the road that is authorized for public parking. I come back to my around XXXX, and it's been broken into. 

I check my wallet and my two credit cards are stolen. I report all fraudulent activity to my banks. 

There were multiple fraudulent charges on my Chase credit card, including, but not limited to, purchases at XXXX XXXX XXXX and XXXX. Chase resolved the transaction at XXXX XXXX XXXX. Chase did not resolve the transaction at XXXX. I had to call multiple times since XX/XX/2022 to inform them that the transaction is fraudulent. Now, they've sent me a report saying that I informed them that the transaction was valid. Chase 's phone records will indicate that I have called multiple times to inform them of the fraudulent activity. 

My driver side door key cylinder and glove compartment key cylinder are damaged. I have claims from my car insurance ( XXXX ) to prove they were damaged. I have video evidence to prove that I was in XXXX XXXX XXXX XXXX at the time of the theft and transaction.
Consumer complaint received 2022-04-02
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. (TX)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 U.S. DEPARTMENT OF EDUCATION XXXX, 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
Consumer complaint received 2021-07-09
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)

This is a dispute with XXXX regarding a fraudulent application for an overdraft protection loan opened in my name by my ex-husband as a co-signer but one where I was listed as not authorized to use. 

My ex husband stole my identity and opened up a joint overdraft line of credit on a checking account back in XXXX. He then put me as Non-authorized user so I never knew about this account or received any info about it since the address on file was never my address. Even until today, I am unable to find out any information about this account because I am not an authorized user. 

He stopped paying the balance back in XXXX, after we divorced, and this account is now a negative on my credit report. When I call XXXX, they can not give me any information because Im not an authorized user. 

I have taken steps to clear this issue by requesting my original signature authorization or any documents that I supposedly signed to open the account. My plan was to take these documents and have them analyzed by a certified forensics handwriting expert ( I had to do this with other issues with my ex husband. He is a criminal ). They said they do not have the documents. How am I able to prove the application was fraudulent if they didnt keep the documents to analyze? 

As a result, they denied my claim of fraud for lack of documentation but will not tell me what documents are required. Im hoping making a complaint with the government under oath will show my complaint is legitimate.
Consumer complaint received 2021-04-12
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. (NV)

While checking my credit report, I notice an account from XXXX/XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX/XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2020-09-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC (IN)

Westlake Financial is a creditor that gives pre-qualifications through XXXX. You can get a pre-qualified offer that can be submitted to various dealerships and is supposed to closely match what you would be approved for. I submitted information for a prequalification on XX/XX/XXXX, but instead of just getting a pre-qualification, my XXXX  credit report was pulled. XXXX and Westlake financial assure potential consumers that credit will not be affected. My score dropped 21 points as a result of this pull.
Consumer complaint received 2021-04-12
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. (FL)

I have 1 fraud account listed on my credit report for XXXX XXXX. I have filed an Identity Theft Report which is attached to this complaint and the report number is XXXX Please see the attachment. I have also 11 fraudulent inquiries as well. XXXX XXXX, XXXX XXXX, XXXX - CARD SERVICE, XXXX XXXX/XXXX XXXX, XXXX XXXX, XXXX, XXXX - CARD SERVICE, XXXX - CARD SERVICE, XXXX XXXX XXXX, XXXX XXXX, XXXX - CARD SERVICE and XXXX/XXXX Please remove the graudaccount and inquiries from my credit report immediately. Thank you
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (MD)

My complaint is addressed to the CFO, CEO, Registered Agent and/or their direct agents of Citi Bank . I have become aware of certain violations and would like them addressed and rectified. The application states that you are loaning me credit. This does not appear to be within your scope of practice. Where is the credit coming from? 
I am studying my rights and consumer laws and upon reading Regulation Z. Title 12 US code 24 paragraph 7 states ; " Seventh. To exercise by its board of directors or duly authorized officers or agents, subject to law, all such incidental powers as shall be necessary to carry on the business of banking ; by discounting and negotiating promissory notes, drafts, bills of exchange, and other evidences of debt ; by receiving deposits ; by buying and selling exchange, coin, and bullion ; by loaning money on personal security ; and by obtaining, issuing, and circulating notes according to the provisions of title 62 of the Revised Statutes. '' I then came across the Case Laws listed below ; In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, endorser, or guarantor for him. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 11 F 2d 83, 271 U.S. 669. 

A national bank has no power to lend its credit to any person or corporation. Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. 

Mr. XXXX XXXX said : The doctrine of XXXX XXXX  is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked too often. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 103 Wis 125, 79 NW 229. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 194 NW 430.

It has been settled beyond controversy that a national bank, under federal law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 133 SC 202, 130 SE 759 ( 1926 ).
It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done. Federal Intermediate XXXX XXXX XXXX XXXX XXXX, 33 F 2d 841, 842 ( 1929 ).
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Sirs, I signed up with TransUnion Plus yesterday, XXXX XXXX, XXXX Order number : XXXX I wanted to try the credit service and wanted the TRIAL version service but due to the fact the information is so unclear on the web site I may have signed up for the only service that I saw which was for the TransUnion Plus Service.

I have tried at least five times to contact Trans Union and each time they instruct me to call back in ONE Hour. They say that their system is currently down and they are unable to access my account to cancel the service. 
In addition to wanting to cancel the service I wanted to request that they " reverse '' the credit card since their web site is so unclear as to how to sign up for the TRIAL Membership Service. 

I appreciate your attention in getting Trans Union to be responsive with my request for cancellation and possible refund of their service. 

Sincerely, XXXX XXXX XXXXXXXXXXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello. I have had the Capital One Quick Silver XXXX XXXX for awhile. Every year there is a {$39.00} annual fee. I got XXXX  and XXXX  of it because all of their commercials including the one most recently playing on TV is about the same exact card I had before I closed it. They told me they couldn't upgrade this account to no annual fee as the purpose of the card was to build my credit. I think that is a bunch of malarkey. I also asked if they could transfer my credit limit under the XXXX XXXX card to my Capital One XXXX XXXX. Answer was no. I am complaining about misleading advertising about the terms and conditions of their cards by saying that " none of their cards have an annual fee '' and that the XXXX XXXX card has no annual fee. AK
Consumer complaint received 2022-04-27
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. (NV)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX, In account # XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX 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
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (GA)

I am the consumer, original creditor and natural person. Synchrony Bank has denied my right to credit as I applied for a XXXX XXXX XXXX credit card account on XX/XX/2021 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), Synchrony Bank violated federal law by denying my credit application. Synchrony Bank also discriminated against me pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, Synchrony Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.
Consumer complaint received 2021-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and XXXX be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.
Consumer complaint received 2021-02-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

I've been contacting loan servicing mom loans for almost a year now submitted documents they are for they said they didn't get them I fax them mail I know my mom had insurance on the house that if anything happen to her on my father that it would be paid off and these people are fighting me them loan is in my mom 's name and a half the money
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Management Solutions, LLC (MD)

My XXXX  XXXX XXXX discharged XXXX XXXX XXXX. FMS  was notified by the bankruptcy court, XXXX, and myself of the discharge which includes them as a creditor. Early XXXX XXXX XXXX, I followed up with FMS legal department to inform them that they're illegally reporting a balance currently being owed and was told that they would update my credit report to show as included in bankruptcy. As of today, FMS has not resolved this issue and they're still reporting a balance owed. All of this after being provided a letter that I'm no longer liable for the account. 

I've made contact in XXXX and XX/XX/XXXX via XXXX and via email XX/XX/XXXX & XXXX.
Consumer complaint received 2021-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA (NJ)

I received a phone call from a gentleman saying he was calling from Apple Credit Card and said that I missed a payment and that he was calling to collect a payment from me, I told him I didnt have an Apple card and if I did I would call Apple directly and he ignored me and suggested me making a payment since he had me on the phone, I repeated what I had previously said and hung up my cellphone. He did have my full name, I called Apple Support and notified them of this and they confirmed that they DO NOTCALL for payments, they sent me this link to do a report and said they were going to write this information for their records