davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST (CA)

In XX/XX/XXXX, we started working with Bank of The West to refinance our Mortgage. This process took a long time till beginning of XX/XX/XXXX. After their calculations, they said we needed to pay off some of our credit cards and return one of our leased cars. we returned one of our leased cars and paid off some of our credit cards,. Later, the agent said if we take {$30.00} out of our 401K, we should be qualified. We took out the amount requested from our 401K. We had some cash in the bank, she said if we sell {$16000.00} from our stock, we will be 100 % qualified. My husband was very frustrated and he didn't want to work with them but I asked the agent if this is the last thing they want from us. I told her that we are tired of this situation and we want an honest answer. If we will not be qualified, we don't want to sell our stock but the agent confirmed that this is the last thing and she even offered us a conference call with her manager. Unfortunately, we believed her and we didn't have this conference call. We sold our stock, waited for a few week without any updates. My husband called the agent for some updates. She said we can't pay the property tax with the cash we have in the bank. We informed her that we already paid the tax. She said she will inform her manager. Later, she didn't return our calls and texts. we went to the bank and found out that our request has been denied. They were not responsive to our emails, not only the loan officer but also others such as the underwriter. When I asked the underwriter why he sent us an old document ( with numbers that they had changed themselves ) to sign, he never responded. 
We want to complain from Bank of The West because they weren't honest with us. If they were not expecting our loan to be qualified, they should have told us from the beginning. We took out of our 401K, sold our stock for nothing. We didn't need all that and now we have to pay a lot taxes for their mistake. They shouldn't be allowed to play with people 's life. 
Thank you
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Credit Bureaus have failed to provide me copies of documents to serve as proof of verification to support their claims that the disputed accounts are verified and reporting only accurate information on my Credit Report. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-03-20
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)

Equifax said that they verified a fraudulent account as belonging to me. Equifax was notified that I am a victim of identity theft. I would like to how and what date that a fraudulent account that I had nothing to do with was verified as belonging to me
Consumer complaint received 2022-09-24
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. (LA)

I mailed US post letters to the Credit Bureaus of XXXX, Transunion, and XXXX XX/XX/2022 about responding to inaccuracies that is affecting my creditworthiness. I followed up 30 days later for update of letters, with no responses.
Consumer complaint received 2022-08-20
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. (FL)

Original XXXX XXXX Account XXXX XXXX Current Collector- Union 15 U.S.C.1681 section 602A states I have the right to privacy. In accordance with the fair credit reporting act XXXX XXXX has XXXX my rights. 

604A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion is not reporting accurate information for XXXX XXXX and only keeps changing the date opened and reported on the account when it is disputed causing it to remain on my report until XX/XX/XXXX. This account should have been deleted from my report as of XX/XX/XXXX.
Consumer complaint received 2022-07-30
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. (CA)

I did not give my written permission to file anything adverse on my credit report. 

In accordance with The Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681A.States I have the right to privacy.

15 U.S.C 1681A Section 2 : it also states that consumer reporting agency can not furnish a without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Report containing any of the following items of information any other adverse of information, other than records of convictions of crimes which answer dates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-09-24
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I made a purchase using my card at XXXX for {$4600.00}. I returned my items back to XXXX and XXXX did not refund me. I then opened a dispute with credit card company because I don't want to pay for something that I never got. I provided all proof showing that I did return the item back to XXXX and they received it. I keep calling CapitalOne and no one is helping me resolve this issue. They keep saying, we will look into it and never get back to me. Please review Case Number : XXXX and provide my money back. Thank you.
Consumer complaint received 2022-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Oh XXXX 2022 I open a citi priority account which includes a checking and savings account upon opening this account I made the external transfers which was a deposit of {$1000.00} on XX/XX/XXXX from my chime account And a another deposit {$1000.00}. I received stating that my citi account will be closed within 60 days this email was sent on XXXX2022. Citi bank is now holding on to my money I have to wait two months to get my. Money back an will like to receive it as soon as possible
Consumer complaint received 2018-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OR)

I signed up for the Chase XXXX card in XX/XX/XXXX when the card was offering a " uncapped anniversary free night at any of their XXXX   hotels. '' On XX/XX/XXXX, they announced all customers would have their uncapped night limited to XXXX points and with a very resteictive list of hotels. They then backtracked a little and allowed said " customers who signed up from XX/XX/XXXX to XX/XX/XXXX will still get an uncapped anniversary free night their first year. '' That leaves all customers who still signed up for the offer ( who haven't had the chance to redeem the one year annivery night even once ), that can't redeem their uncapped and unrestricted night. I am a customer who did not get this option due to singing you " at the wrong time ''. I contacted phone support and they stated that all customers are being downgraded within the year, but that still allows most customers that are within the XX/XX/XXXXto XX/XX/XXXX window to use their free night. I feel like I've been ripped off. How come I don't get the first year unrestiected night like the people who signed up after XX/XX/XXXX? As of XX/XX/XXXX, anyone who signed up before XX/XX/XXXX falls under the conditions with the restricted night, even if they have no had the opportunity to claim a unrestricted Anniversary night. This is unfair to the consumer. I want this fixed. I want this to be fair. Be right like all normal credit card companies and grandfather in the customers for their first year, it's only fair.
Consumer complaint received 2022-09-24
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. (MO)

XXXX XXXX XXXX has collected and shared my personal information. XXXX XXXX XXXX has also unlawfully used identifing numbers such as the SSN whitch is unlawful use of a. Credit card. They do not have my consent to use or disclose any information about the XXXX XXXX XXXX. I have common law copyright and any variation of my name as well as a XXXX XXXX finance statement, hold harmless, indemnity agreement and payment Bond of file in their respective agencies. I am the Authorized Agent for the Corporate Fiction known as XXXX XXXX and withdrawal any and all contracts expressed or implied, presumed and or assumed.
Consumer complaint received 2022-03-27
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX  Account : XXXX In accordance with the Fair Credit Reporting act XXXX Account : No Number, Date XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX Account : No Number, Date XX/XX/2012 XXXX 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 2020-03-20
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. (KY)

I have tried to file a dispute with Chase on a Southwest Visa Credit Card and have been on hold a combined 4.5 hours with no answer.
Consumer complaint received 2022-08-17
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2016 Balance : $ 5,642.00-
Consumer complaint received 2021-06-01
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. (IL)

On XX/XX/2021 I 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 Im being taken advantage of and being ignored of my disputes. I know you guys have 30 days to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been well over 30 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 please help me with these negative items on my credit report it has been well over 60 days at this point I demand for these negative items to be removed it has caused me stress and failure to get employment please and thank you
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

This is with the XXXX XXXX XXXX arm of Comenity Bank. I established an interest-free account to pay-off dental bills. I foolishly failed to see monthly warnings that, if not paid in-full within 18 months, I'd be charged with deferred totaling {$1100.00}. I then discovered that the bank had been already charging me interest for months before that termination-date. I thus am apparently being double-billed for that deferred interest. 

I have written Comenity, but that have failed to respond.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (TX)

Upon reviewing my personal credit report from XXXX, I discovered that there were many credit inquires reflecting on my report that I not only was not aware of but most importantly did not authorize. Out of the 7 inquires listed, I only authorized and was aware of ONLY 1 which is linked to my XXXX XXXX appliance account. 

I contacted the requestors and all have stated that they do not show record of inquiry nor any linked accounts to my personal identity. 

I demand that the inquires listed below be removed immediately are they were not authorized and are NOT linked or associated to any accounts owned by me. There are also name listed on my credit report that are inaccurate. 

These names are listed below as well and need to be removed immediately. 


Date Experian XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Names : XXXX XXXX
Consumer complaint received 2020-04-16
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. (TX)

I've had this provblem for a long time. I've submitted the proper documents stating that I was a victim of Identity Theft. The issue remains and it is effecting my personal life and credit score.
Consumer complaint received 2021-06-01
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: EQUIFAX, INC. (NY)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC 1681b the permissible purpose of consumer reports. I am in distress and this matter has affected me from getting access to different forms of credit needed during this time of a pandemic. I have no choice but to seek legal remedies for this issue to be taken care of.
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MS)

When I tried to make a purchase on Tuesday, XX/XX/XXXX. Chase bank would not allow me to make the purchase of {$50.00} they then locked my account saying it was fraudulent which it wasn't. I then contacted the bank on multiple occasions since then they have said that I had to submit my ID and Social Security card which I did. But no progress has been made.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is violating my rights. 

Account XXXX XXXX XXXX This account was removed from my XXXX reports and should also have been removed from Transunion . There are also factual errors and I am in my legal right to request deletion of this account from my reports. 

Last Verified Date -- Does NOT match XXXX, XXXX removed this account Date of last activity -- Does NOT match XXXXa nd this account no longer shows on XXXX! 
Date opened -- Does Not match XXXX and this account no longer shows on XXXX! 
Closed Date -- Does NOT match XXXX and this account no longer shows on XXXX! 
Account XXXX -- Does NOT match XXXX and no longer shows on XXXX! 

each error can result in a fine against Transunion at {$1000.00} each. I demand with my legal right that this account be deleted from my report.
Consumer complaint received 2018-05-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NV)

I have a private loan hat was taken out orginally with XXXX XXXX XXXX  for XXXX in XX/XX/XXXX approximately. I paid $ it down to XXXX   And then the loan was sent to XXXX. I received startments saying no Chang in in interest rate of 5.85 and no money due on loan for several years. Now my worst nightmare Navient has the loan as of XX/XX/XXXX. They promptly raised the interest rate to 6.85 % and increased the loan {$4400.00} by anding interest. This is my son 's loan he has an excellent credit rating, so why they did that I do not know? I just want to pay off the balance of {$3500.00}, an never hear the name Navient again. I am a cosigner on the loan so that is why they came after me. If I would of known that they would do this of course the loan would have been paid promptly with XXXX  in XX/XX/XXXX. The payment for this loan is XXXX/mth that is crazy who does this? That is so fraudulent, this amount only pays interest on this loan who does that? Navient that's who!! I want to be done, I will pay XXXX directly or with a settlement letter of {$3500.00} to Navient nothing more. I am XXXXyrs old my husband is XXXXyr we are being taken avantage by this company.

Please help us to settle this fairly.

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, and XXXX XXXX acct # 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 1681c. ( a ) ( 5 ) Section 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-06
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: EQUIFAX, INC. (WA)

Hello, My wife and I just moved to XXXX, WA for a job. We had a great credit score, in the high 7

00 's. When we set up a mortgage meeting, we were all shocked when she asked why our credit score dropped 100 points.

It turns out that we had a {$900.00} student loan that was due the week before. A few weeks before, my wife had put everything on autopay so I'm not sure why it wasn't paid. I called right away and paid it in full. We got no notification that it was due soon. Our mortgage loan officer said the points should be returned to the account as it was a mistake.

They are still not returned. We are living with my inlaws as our credit score is keeping us from buying a house.

Everyone I have spoken with says the points should be returned since it was a recent mistake.

I hope you can help