davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX  data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (IL)

I had a simple thing happen to me - I lost a credit card. The last time that this happened, Discover messed up my replacement card too. Previous to this, I had to make a CFPB complaint regarding Discover 's  incompetent staff that cancelled airline tickets by mistake a few years ago, putting a planned trip in jeopardy due to the circumstance of the voucher I used for a portion of the trip and their unapproved cancellation of my ticket purchase. Yet again, I am faced with incompetent customer service. I spent an entire weekend and several week days trying to get a simple replacement card. Many mistakes, hang ups, no call backs, misspelled email addresses, incorrect information, ridiculous security measures, rude people ... ..occurred just as a result of this 20-some year Discover card customer with a nearly XXXX credit score ... just trying to replace a card. Discover has a REAL problem with customer service. XXXX and XXXX, Ohio supervisors were wonderful. Note to Discover : model your customer " service '' agents after these two women. You are going to continue to lose business with this ongoing rotten customer service. The last time you even compensated me for your mistake. What will you do this time after the hours I spent in frustration trying to simply replace a credit card?
Consumer complaint received 2018-10-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was in a relationship with a man who obtained my Bank of American credit card information. He attempted to purchase bit coin with my credit card. He then made two transfers to my credit card account. The first transfer paid off my credit card entirely. The second transfer to my credit card account was for approximately {$21000.00}. The man I was in the relationship asked me to transfer this amount of money from my credit card account to my checking account and wire the money to his relatives. Since the money was not mine I did as he asked. 

Bank of America contacted me and advised that they felt that what was going on was a potential scam. Bank of America put a hold on the credit card and advised that nothing would happen with the credit card, that no one would be able to move money from the credit card account at all. 

Two weeks later, the man who transferred a total of {$42000.00} to my credit card account was able to withdraw {$42000.00} from the credit card account. The man had an account with XXXX XXXX. Bank of America allowed this to happen all though they told me that there was a hold on the credit card account. 

Bank of America advised that I am now responsible for the entire amount of the scam. I have none of this money. I did as this man asked and sent the money to his family. I have provided Bank of America with all receipts from the wire transfers. I have provided Bank of American with the name and telephone number of the man I was talking to. I provided Bank of America with a police report for fraud. 

I have asked Bank of America to file a claim for fraud but they refuse and hold me responsible.
Consumer complaint received 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

To whom it may concern the credit bureau is reporting my balance on my account in correct. Most of the accounts have been sold to a collection company. In return the collection company is charging more fees. This is not right. So I want the credit bureau to furnish me the exact date the account was open and the last day payment was made. For instance XXXX has my charge of amount as {$35000.00} and then they have balance amount {$25000.00} so I want to know what happened to the payment insurance, Loan insurance And the Auto Receipt. Each month I have continue to lose anywhere between thirty or forty points and the credit bureau cant tell me why. I started with a XXXX score I was very excited I thought I was on my way to a 700 score but all of sudden my score began to crumble. However I know the credit bureau is not in business to help the consumer. Thier only job is to make money of the consumer.
Consumer complaint received 2021-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I really need your help. There's been countless inquiries that were applied to my credit report. I dont know where they came from because I didn't give anybody authorization to do so. My credit report took a hit all because these companies are being deceitful. This isn't right. Somebody must have been applying for things in my name. Section 605B of the FCRA states that these items must be blocked from my credit report while under investigation. I've filed a FTC report because of this, and I really don't want to have to escalate it even more. Please delete these inquiries from my report immediately, or I will have to file for litigation.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NV)

Hello my name is XXXX XXXX I opened an American Express card back in XXXX of XXXX with a starting balance of {$6000.00}. In XXXX of XXXX my credit limit increased to {$12000.00}. When I called in to add a AU American Express offered me the gold card on XX/XX/XXXX. I added my brother and sister to my gold card when American Express opened the gold card. I was using the card and every time I used the card, American Express would block it. By them blocking the card that resulted in me paying the balance on the card every time we used it. American Express still blocked the card. On XX/XX/XXXX I received a email from XXXX XXXX, phone number XXXX Extension : XXXX, asking for form 4506-C. Me and my family submitted it over right away. 
Me and my family income is over {$90000.00}. They emailed me back and told me they just wanted my tax transcripts, which I sent it right over. I received an email from American Express stating they were closing my accounts, both of them. No explanation as of why they were closing them. I stocks and brokerage accounts, I just started a new business in XXXX and I make well over {$60000.00} and not once did they ask to review my bank statements or anything but as I go online and read the reviews I see where other American Express customers were able to submit it their bank records instead of their tax records for the financial reviews and had their accounts reopen. I feel like this whole situation is absurd and I feel like Im being discriminated. How is it that Im not able to prove that Im financially responsible for these cards by showing bank records but other people are? I have never been late on any of my cards, they have never been over the limit and with the new card the balance was paid every time I spent something, so how was subjected to a financial review? Then to have my cards closed with no explanation is crazy!!!
Consumer complaint received 2023-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc. (CA)

Apply on for load got approved for {$950.00} my payment every two weeks almost {$300.00} when I called to get more information how much I owe because I didn't get copy or good explanation how much my rate was I called spoke to someone who did not explain anything just to tell my that I will be paying {$300.00} for year my total will be {$7000.00} when I only got approved for {$950.00} my finally got copy Emailed I was really upset really high annual percentage 764.74 %
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2018-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (FL)

XXXX account closed in XX/XX/XXXX due to receiving military XXXX, and equipment was returned in XX/XX/XXXX/XX/XX/XXXX. XX/XX/XXXX {$150.00} was paid to cover final bill. Around XX/XX/XXXX SW CREDIT SYSTEMS placed a collections on my credit report for {$140.00}. Phone call was made to XXXX about the collections on the credit report, and they were unable to find a final bill or provide me with details regarding the {$140.00}. The SW Credit Systems were also unable to help and/or find out where this charge came from. The only explanation that the XXXX representative could give me was it could potentially be for an early termination fee, which again she could not prove. Since I am XXXX XXXX military and was on orders to move at that time, I would not be responsible for any early termination fees under the SCRA. I filed a dispute with XXXX  multiple times, however, it was unsuccessful, and I still have not been able to receive proof of the charge. It is also not right that I received a collection notice two years after the account closed, and was not given any correspondence previous to XX/XX/XXXX. Had it not been on my credit report, I would have never known about the unknown debt in collections.
Consumer complaint received 2022-05-04
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: Resurgent Capital Services L.P. (MT)

On XXXX. XXXX, 2022 I called LVNV FUNDING LLC and tried to speak to someone about a fraudulent account some one had opened in my name. I notified them of this fraudulent account on my credit report and asked how to fix this issue. I verified my identity and gave them my new address. They told me to wait for a call back from a different department. I waited no call back. I open my credit report and see not only the account still on my credit report but they closed the account and sent me a bill of {$600.00}. I notified XXXX, XXXX and XXXX of this fraudulent account as well and all of them have not removed this account. This is not my account it is fraudulent and LVNV FUNDING LLC has committed FRAUDULENT activities on my account asking me for information about me for verification purposes not for account update purposes. I never gave permission for them to use my information or obtain my information.
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

This process was incredibly painful. I started a refi with Amerisave on XX/XX/XXXX with XXXX XXXX paying {$500.00} to start the process. The lack of internal communication, lack of responding to numerous e-mails and phone calls where I was asking for clarification of documents needed and/or explanation of why the process is taking so long and what I can do to get things moving is infuriating. There was an entire month from middle of XXXX to the middle of XXXX that went by with zero movement. I feel like I drove this entire process. I have e-mails and statements to support this claim and phone records can be checked to see the shear amount of phone calls I made during this process. 

On XX/XX/XXXX, 4 months after beginning the process, I was told my quoted rate of 3.125 % expired. Apparently, this rate was not locked and I was given no advisory advise as to what to do so nothing would change. My credit report expired, so Amerisave ran my credit again and it dropped 20 points. I am not sure why, but thats a topic for another time. Because of this my rate jumped to 3.5 % as well as did points. Points went from {$1200.00} to {$4700.00}. I was told by XXXX XXXX that is because of the Market. This increase in interest rate caused my payment to go up by $ 107 month which is over {$38000.00} over the life of the loan. Amerisave did give me a {$3800.00} concession to try and justify the increase in rate and points.

Amerisave also made me keep my money in a very low interest account requesting bank statements often with what appears to have no intention on closing in a reasonable amount of time. I feel like I was taken advantage of and this was a bait and switch. 

I was caught in this ongoing cycle month after month and I could not get answers why. I have submitted 59 documents since this began and dealt with 7 different people from loan originator ( XXXX XXXX who was replaced by XXXX XXXX ) to loan processor ( XXXX XXXX who was replaced by XXXX XXXX ) to Mortgage Sales Manager XXXX XXXX ), Processing Manager ( XXXX XXXX ) and even the Mortgage Sales Manager 's boss ( XXXX XXXX ). I have even spoke to the title company XXXX multiple times and they are ready to close, but were waiting on documents from Amerisave. 

This refi is going to save me {$1100.00} month ( originally {$1200.00} ) and every day that went by where I do not close is costing me money. I finally closed on XX/XX/XXXX. 5 months and 5 days after beginning the process with absolutely no awareness that it was going to take this long. I was told about 3 months to close. I would have gone somewhere else, but they had my {$500.00} nonrefundable application fee.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I saw this verbiage on my XXXX credit report that I did not wright : XXXX & xx-xx-xx xxxxxxx id fraud victim alert fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. do not extend credit without first contacting me personally and verifying all application information at day XXXX or evening XXXX. this victim alert will be maintained for seven years beginning XXXX. 

I don't know where this came from but the XXXX is a number I do not recognize the XXXX is my cell phone. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX is the only information that should be on my account Also I am employed by XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-05
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. (OH)

This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate and an FCRA violation. Please remove it from my credit report.
Consumer complaint received 2020-07-09
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. (NC)

After having multiple chase products i discontinued my chase student checking account, and my chase unlimited freedom credit card. 

I created a dispute to which there were 0 responses/messages in my inbox, chase closed the dispute without notifying me or communicating with me ; when asked about it i was told i would have to write a letter to them even though the issue was on their digital product 's behalf. 

Chase 's customer service is awful, they wouldn't assist me with disputes, multiple call disconnections, i spent 2 hours on the phone and both " transfer to supervisors '' magically failed. The best part of the customer service is when you get that magical representative that cuts you off every two seconds, give you attitude and then acts like theyre doing you a favor by being on the phone with you.
Consumer complaint received 2021-04-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (FL)

Applied for a USDA loan with Cross Country Mtg. Was promised a call back 3 times ; never heard anything from the company. Also sent them a contact request through their company. We applied for a mortgage and was never sent any required disclosures or communication by law. Last time we contacted them was to get proof our information has been withdrawn from their system and we again were promised someone would call ... nothing. This company should be held responsible for their failure to provide the required information within 3 days of someone applying for a mortgage with them.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2020, I faxed a letter to XXXX XXXX XXXX after a conference call with their service representative, and a representative from XXXX XXXX of XXXX XXXX. The letter and call were designed to explain to XXXX XXXX XXXX that during the process of paying off my loan with them, the dealership ( XXXX XXXX of XXXX XXXX XXXX made a mistake and misapplied the payoff payment to another customer 's account. This was not my error. 

*I purchased a new car in XXXX and during the same month, paid off XXXX XXXX The misapplication of the payment erroneously triggered a late payment for me, reporting for XX/XX/2020. 

After initiating disputes regarding this matter, the credit reporting agency, Experian, has inserted a late payment for XX/XX/2020, even though the the loan was paid and closed before XX/XX/2020. 

XXXX has inaccurately reported the payment history on this account. It reports late payments, with a date of first delinquency of XX/XX/2020 after the account was closed. Again, requests to have this properly investigated have failed. How can my account report late payments before the date of first delinquency of XX/XX/2020? 

I have a right to have the information updated or corrected to reflect complete and accurate information. Otherwise, the account must be deleted. Neither CRA Experian or XXXX  has complied with the law. They have not properly investigated my disputes. 

Here are the violations I am asking to be investigated against Experian and XXXX  : 1. Failure to provide me with the information used to determine the result of their investigation. They have provided me with any documents from the furnisher ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )
Consumer complaint received 2020-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

i notice some inaccurate and incomplete information that is reporting on my credit report from transunion so on XX/XX/2020 I sent a letter to transunion and XXXX disputing the errors that showing from them and i requested the method of verification on the items as well
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

P PayPal - negative {$10000.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$10000.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$10000.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Consumer complaint received 2020-07-06
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$3200.00}
Consumer complaint received 2020-07-06
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$3200.00}