davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-10
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. (TN)

On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the 57th day, I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 ( a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My information was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.
Consumer complaint received 2023-01-22
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: Affirm Holdings, Inc (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

LexisNexis removed a bankruptcy from my credit report with them that was properly handled by means of the FCRA laws. The bankruptcy was deleted on XX/XX/2021. I have the paperwork and have verified the deletion with the LexisNexis customer service ; however, my credit reports have not be updated and it's almost been 60 days, 58 days exactly as of today. They customer center representatives have not been helpful and claimed that they had ; file an additional dispute with another agency which is irrelevant. They claimed that they filed another dispute on XX/XX/2021 and did not properly explain why my credit report was not updated. The bankruptcy is preventing me from getting my student loans, caused me to be denied for several apartments, and period is hurting my credit. I have also provided additional paperwork to LexisNexis that they have not honored. I will included it in the documentation.
Consumer complaint received 2021-10-02
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: Santander Consumer USA Holdings Inc. (NJ)

There are accounts on my report that do not belong to me. The first one is from XXXXXXXX XXXX  XXXX with the account number XXXX. The second one is XXXX  XXXX XXXX with the account number XXXX. Third is SANTANDER with the XXXX account number.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

OnXX/XX/20 I purchased two items from XXXX XXXX. On XX/XX/XXXX items were delivered via XXXX. Within one hour of the delivery as we were opening items we discovered damage/unacceptable manufacturing damages with one piece. I called XXXX and received a voicemail box in which it stated that my call would be returned within 48-96 hours. Call was not returned. On XX/XX/XXXX through an email I received from XXXX Online I responded and indicated I had an issue. ( I took photos of my submission ). I did not receive a response. On two occasions between XX/XX/XXXX and XXXX I attempted to call XXXX. The first time I was left on hold for 39 minutes. On approximately XX/XX/XXXX I notified Chase Sapphire through their online dispute process. I was given a temporary credit of {$260.00}. My request for the credit card company is that maybe XXXX would respond to them so that I could get it resolved. Chase Sapphire did not read the verbiage in the complaint and contacted XXXX for proof of delivery. I never said I did not receive merchandise. My complaint was denied by Chase Sapphire on XX/XX/XXXX, Indicating and attaching proof of delivery. I called Chase Sapphire and was told to refile the dispute which I did on XX/XX/XXXX. I wrote a letter spelling out the details and correcting the {$300.00} which was the actual cost with tax and delivery. On XX/XX/XXXX I again received a Denial from Chase Sapphire stating that they previously reviewed my dispute and have confirmed that the transactions are valid. So my credit card company never even tried to help me. Only shoved the issue under the rug.
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: NAVY FEDERAL CREDIT UNION (TN)

After moving over XXXX XXXX XXXX my then fiance, wife, now ex-wife and i consumed over {$50000.00} in debt. It has all fallen on me and i have no idea how to get out of this financial whole, need help!
Consumer complaint received 2021-07-10
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (MO)

Back in XX/XX/2021, My husband and I were both out of jobs due to XXXX. 

Wells fargo was not understanding and after going back and forth numerous times, took the vehicle. They were not willing to work with us. It was quite the contrary, they were extremely mean about the situation.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (OR)

I submitted a written request to close my account to Elan VISA on XX/XX/2020 using Elan 's web portal I '' secure message '' ) communication facility. My account has a XXXX balance and I have placed a lock on the account so no more charges accrue to the account. 

The company insists that I have to speak to someone. I have received a couple of voice mails from the " Office of the President '' requesting I call them back. 

I do not wish to engage in a phone dialog. I simply want my account closed based on my written notice and that has not happened.
Consumer complaint received 2021-07-10
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: MoneyLion Inc. (TX)

I have attempted on several occasions to dispute an account that was opened fraudulently even with proof attached they still believe the account was not opened fraudulently. I have confirmation from Moneylion confirming that I did not open the account.
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (IL)

I applied for a 30-year mortgage refinance with Better Mortgage  Corporation on or about XX/XX/2020. Was notified by the company of a pre-approval with a rate lock of 2.75 % and provided a GFE for closing costs. I was informed by the company that an onsite property appraisal was not necessary and I would be receiving a waiver but my credit card was charged {$550.00}. 

I provided all loan application documentation requested via either upload to the Better.com website or email, nearly all of it within 72 hours of application date. Subsequently informed by the company that the loan was in underwriting. I then received 2-3 adjustments to the original GFE with significantly higher closing cost estimates based on bogus property tax figures. I made the company aware of this and requested a corrected GFE. This has not been provided and I am no longer receiving communication or return phone calls from the company.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IN)

I reviewed three credit reports today. XXXX, Equifax and XXXX. The Equifax report actually showed my XXXX XXXX account closed and XXXX and XXXX do not have credit for months that have been paid. I filed a chapter XXXX bankruptcy in XX/XX/2018. My home was not included in the bankruptcy, and I have been paying the mortgage directly. It is even in my bankruptcy order that I will be paying them directly. They placed an unauthorized charge on my account for {$650.00} as an " advance on my behalf '', they are not crediting my account when payments are made and are not reporting my payments to the credit bureau to reflect on my credit report. When I called to find out why they were not reporting my payments, nor accounting for them on my statement they told me that the payments had to be reviewed by the bankruptcy court ( because it is protected by bankruptcy laws ), I inquired as to which bankruptcy court and he said XXXX XXXX attorney XXXX XXXX XXXX ( XXXX ). He also said once they review the payment then it is partially applied to my account. I asked why it wasn't showing on my credit report and he again stated because it is protected by bankruptcy laws. He went on to tell me when I pay the {$650.00} " advance on my behalf '' fee that the payments would then show up on my credit report. I'm not understanding how I'm protected from bankruptcy laws when it isn't helping my credit report? I attempted to call the XXXX XXXX attorney, but they will not speak to me about my account without my attorney on the line. They have also removed my access to view my statements online.
Consumer complaint received 2021-07-10
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: M&T BANK CORPORATION (MD)

I'm making this complaint about M & T Bank without contacting the bank because it feels like they are doing something that is illegal. I opened a bank and savings account with M & T Bank about 3 weeks ago. M & T Bank locked me out of my online account twice, once when I tried to initially log onto my new account, and a second time when I tried to set up a new payee in online bill pay. Both times M & T placed what they called " fraud alerts '' on my account. Because M & T 's online banking system didn't work well, I decided to open a different bank account. I will eventually close my M & T account.

Today I tried to open a new account at a different bank ( XXXX  ). However, I was denied an account. The banker thinks it's most likely because of the fraud alerts M & T has put on my name. The banker said all banks would have received this derogatory " fraud alert '' information about me. Is it legal for a bank to put a " fraud alert '' on me or my credit report without my knowledge or permission? Neither time was fraud. The first time M & T put a fraud alert on me was because I didn't log into my new account fast enough. I had a temporary password, and the password expired before I logged in. That was my mistake, but does M & T have the right to issue a " fraud alert '' on my credit report? The second time they made a fraud alert was when I tried to set up a new payee for my online bill pay. I don't know why, but M & T put a fraud alert on my credit report just because I tried to add a new payee to bill pay. This seems crazy! Now I'm not able to open a new bank account anywhere because M & T put fraudulent " fraud alerts '' on my credit report. I feel like M & T is committing fraud. They're also ruining my credit when all I tried to do was log into my online banking and pay bills. Both times M & T issued a fraud alert, I called them and cleared it up and got access to my account. But now my credit is ruined. I hope you can help with this.
Consumer complaint received 2020-08-11
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. (GA)

Equifax is reporting a fraudulent account that was a result of identity theft. Fraudulent accounts are continuously being reported after providing all supporting documentation. I have filed and provided an identity theft complaint with the FTC, provided an identity theft affidavit with a copy of a police report filed with the XXXX Police Department, Ive disputed these accounts with credit bureaus, and also requested a block of the fraudulent items in accordance with section 605B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ).
Consumer complaint received 2021-07-10
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. (IL)

Equifax is refusing to remove fraudulent inquiries after numerous attempts to get them taken off. I submitted serval disputes. I have faxed a FTC identity theft report, I have faxed a detail letter requesting the removal. I also faxed a copy of my driver license and social security card to validate my identity.
Consumer complaint received 2019-09-04
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. (KS)

I am having issues with Equifax I filed a dispute with them concerning some inaccuracies on my credit report. They responded they verified my disputes. 

However they havent provided me with any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the  original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you updated that these items are being reported correctly? Who verified these accounts? 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Ive reached out to these creditors and asked for proper verification. They were not able to provide me any verification. Therefore how is it that you verified these accounts belong to me?

Below are the accounts that still remained unverified. 




Confirmation # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX US Dept of Education # XXXX XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Rocket Mortgage, LLC (IN)

I reviewed three credit reports today. XXXX, XXXX   and XXXX. The XXXX report actually showed my Quicken Loans account closed and XXXX and XXXX do not have credit for months that have been paid. I filed a chapter XXXX bankruptcy in XXXX of 2018. My home was not included in the bankruptcy, and I have been paying the mortgage directly. It is even in my bankruptcy order that I will be paying them directly. They placed an unauthorized charge on my account for {$650.00} as an " advance on my behalf '', they are not crediting my account when payments are made and are not reporting my payments to the credit bureau to reflect on my credit report. When I called to find out why they were not reporting my payments, nor accounting for them on my statement they told me that the payments had to be reviewed by the bankruptcy court ( because it is protected by bankruptcy laws XXXX, I inquired as to which bankruptcy court and he said Quicken Loans attorney XXXX XXXX XXXX ( XXXX ). He also said once they review the payment then it is partially applied to my account. I asked why it wasn't showing on my credit report and he again stated because it is protected by bankruptcy laws. He went on to tell me when I pay the {$650.00} " advance on my behalf '' fee that the payments would then show up on my credit report. I'm not understanding how I'm protected from bankruptcy laws when it isn't helping my credit report? I attempted to call the Quicken Loans attorney, but they will not speak to me about my account without my attorney on the line. They have also removed my access to view my statements online.
Consumer complaint received 2021-07-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (PA)

Since last year, VA XXXX XXXX have been sending letters to my home, addressing them to my husband, a war XXXX vet. The problem is that he died 5 years ago. We, my son and I, have been contacting these companies. They do not indicate company names in their correspondence, so we have had to call and email them requesting cease and desist, because he ( we provide name ) is deceased. If we talk to them they agree to do so, but then, their letters keep coming. I am not sure if they are accessing my husband 's information. If they were looking at county information, my name would be there, as a vet and home owner and I have received no correspondence from them.
Consumer complaint received 2018-11-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF THE WEST (CA)

False Advertising and Bait and Switch by Bank of the West. 

On or about XX/XX/2018, my husband and I applied for a home equity line of credit. We were told that, as a line of credit, it can be used for any purpose now or in the future. I informed the loan agent that the purpose of the line of credit is to pay off my solar debts for my house and for my daughter 's house which is around {$80000.00}. I was quoted an interest rate for a {$100000.00} line of credit and a lower interest rate for a {$150000.00} line of credit. I told the loan agent that I was interested in the lower interest rate and, therefore, started the paperwork for a {$150000.00} line of credit. 

On XX/XX/2018, I received an email from XXXX XXXX stating that we were approved for the {$150000.00} line of credit to pay off the solar debts and my car loan. I emailed back stating that the interest rate of my car loan is less than 1 % and that it would not make any sense to pay it off at an interest rate of over 5 % and that the condition they are imposing is unreasonable. I was told that unless I pay off my car loan with the money from the equity line of credit, then they are only approving a {$100000.00} line of credit at a higher interest rate. 

A line of credit is a preset amount of money that a bank or credit union agrees to lend the borrower. The borrower draws from the line of credit WHEN NEEDED up to the maximum amount. Interest is on the amount borrowed. Bank of the West is falsely advertising this offer as a line of credit. It is not a line of credit when the borrower is forced to use the money for a purpose that is not needed and then threatens borrower with a penalty of a higher interest rate if the condition is not met. Bank of the West wants to switch the loan to a higher interest rate to get more profit.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Hi I am filing this complaint against the 3 major credit bureaus. 

I disputed the accuracy of a XXXX XXXX account XXXX. 

All three are reporting different variables The follwing information is reporting wrong : Date Opened : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX : XXXX  {$1000.00} XXXX {$0.00} Equifax {$41.00} Credit Limit : XXXX  {$1000.00} XXXX {$1000.00} Equifax {$0.00} Last Reported : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX Comments : XXXX XXXX Charged off as bad debt Canceled by credit grantor XXXX : Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Equifax Charged off account Accounts closed by credit grantor Date Last Active : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX XXXX   XX/XX/XXXX Equifax XX/XX/XXXX The information above should be the same across the board. There should be no difference any of these factors. The FCRA clearly states items on a credit report needs to be reported as 100 percent accurate. If not not they should be deleted I have attached a copy of my report showing the in-accurate information