davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

In error, I made a duplicate payment on XX/XX/2022 in the amount of {$340.00}. I noticed my error on XX/XX/2022 and reached out to Barclays using the automated message feature online after logging into my account. I was told that the ACH would not be reversed but I would receive a credit on the next billing cycle. 

A billing cycle has passed and I did not receive the credit as expected. I reached out to Barclays and they told me they had no record of the request. My balance is now - {$340.00} - meaning I have zero amount due and it is obvious that I am owed money by Barclays. Instead of issuing an immediate refund to my account, the account representative I contacted immediately issued a check that would be sent in XXXX business days. This should have been completed when I initially contacted Barclays. 

I have copies of all chat and email transcripts that I can provide for verification of the above. I ended up closing my account with Barclays that I had for many many years because I do not trust them and I am considering reaching out to my state 's attorney general to formally file a complaint as it relates to XXXX. Barclays was extremely deceptive and in my communication with the account representatives it is clear that their practices caused harm to me as I have been without the funds for over 45 days at the time of this complaint. 

I want Barclays to let me know when the check was issued via mail and I would like someone from their management team to contact me so I can further file a formal complaint with their office to ensure this terrible customer interaction is not experienced by other consumers.
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-03-12
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: Experian Information Solutions Inc. (OH)

I had an issue last year when I pulled my credit report up and I was looking to get an apartment when I discovered that there were several accounts that were not included in the original dispute. I have an FTC report and letter to follow up on my complaint.. the following account is fraudulent : XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MA)

CHASE bank My name on the account is XXXX XXXX My account was closed and chase never gave me my funds its been over a month now going back and forth between phone calls and visiting branches almost everyday now and Im tired of this why cant anyone do their job and resolve this? Every time I go I get told to come back the next day they are reviewing the information. I dont want another account with chase ever again I Just want my money and I dont know what the next step I need to take is but no one can explain to me why their holding onto my funds and not sending me my money that I have every supporting document I could possible have to show you the funds and deposits before they closed my account! This is rediculous and basically chase is stealing my money over a month on a closed account and telling me they need to review the account? This was over a month ago and I get the same response every time I go to the branch or get on the phone with them! Is there someone who can help me and explain why u guys are holding onto my money on a closed account? They said they needed to review verify a tax refund check that I deposited in there that they cashed and put into the account but then soon after they close the account so I didnt even have access to this money but theyre still holding onto it and telling me they wont send it to me unless they verify it which I even had them call the Irs with me there to verify the check was good and everything and they still are giving me a hard time I have bills to pay and I dont have time to keep going back-and-forth to the branch every day or calling them and being on hold for hours a day this is not fair and its not right.
Consumer complaint received 2022-04-27
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. (CA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
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. (CA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

There are too many inaccuracies in my report and i have filed disputes with XXXX XXXX on the dates below Experian. 
- XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report is cause me great distress and XXXX. 
According to the FRCA Law Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Never owned said vehicle finance by XXXX XXXX XXXX XXXX. Have I told them to provide proof of this information and I have not received any proof of any loan documents with my signature?
Consumer complaint received 2022-04-26
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. (NY)

On this date I found a Hard Inquiry that was made in my name for a credit card. The date was XX/XX/2022. I notified the credit card company and informed them that I did not request this credit card. They immediately closed the account.
Consumer complaint received 2022-04-23
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. (NY)

On XX/XX/XXXX I disputed some false reporting accounts and inquiries on my credit report and to this day have heard no response it is well past the time I've had to wait and im seeking litigation immediately I need to have these accounts removed immediately.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

We have mortgage thru Chase bank that began XXXX of XXXX. We have always made our monthly mortgage payments on time except in XX/XX/XXXX, I missed a payment by mistake. We were offered deferment as a payment option and accepted. It took some time to get deferment as we would fill out forms send them in by mail but chase claimed never received. After filling out multiple forms several times, we finally got the deferment. We were told it would bring our account current and would not go on credit report. We discovered chase reported weve been late consistently on credit report which is not correct. We contacted chase who then proceeded to tell us no deferment document existed and then when we explained if we were late consistently our balance would reflect that, to which they then put back all late fees associated with missing payment back on. When we informed chase we would be filing a formal complaint, they found the deferment and took off late fees but refuse to remove the late status from our credit report. Last phone conversation was XX/XX/XXXX. They claim to not show a missing payment but have a deferment document. Each time we talk to them, they tell us they will investigate but it goes no where. Now they have told me I have to submit in writing a formal request. We wanted to sell our home and buy a new one but chase has driven my credit score down and refuses to remove the incorrect status.
Consumer complaint received 2022-09-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (TN)

I had been affected by Covid 19 Pandamic Disaster and my XXXX suffered in XXXX an XXXX. 

I have a loan with XXXX XXXX which was transferred to them by the previous servicer ( Amerihome Mortgage ) XXXX XX/XX/XXXX. 

The Payment suspension on this loan was provided by AmeriHome Mortgage ) from XX/XX/XXXX through XX/XX/XXXX. 

Application for loan modification was filed with AmeriHome Mortgage XX/XX/XXXX. Modification for this loan was approved by Amerihome Mortgage XXXX XX/XX/XXXX ( see letter attached ) .Trial payments started XX/XX/XXXX through XX/XX/XXXX with Amerihome Mortgage. 
XXXX XX/XX/XXXX Loan was transferred by AmeriHome Mortgage to XXXX XXXX ( The originator of this loan on XX/XX/XXXX ). 

Three payments were made to XXXX XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I called them 11 times to get an answer on my Loan Modification process completions so as to put the unpaid amount behind the loan and give me my new payment as per Covid 19 Pandamic CARES ACT for suspended payment due to them. 
I was told that the process started with the previous servicer ( AmeriHome ) and the files are being researched from XXXX through XX/XX/XXXX by XXXX XXXX the person handling this is XXXX XXXX XXXX XXXX XXXX XXXX 
As I called them today, I was told that the Loan has not been modified by the previous servicer ( AmeriHome Mortgage ) or the current loan servicer XXXX XXXX XXXX XXXX 
It is now sold to another servicing company on XXXX XX/XX/XXXX and I will have to make further payments ( including XX/XX/XXXX payment ) to the new servicing Company. 
No written Information has been given to me yet on this. 
They also claim that their system does not give them any information on this loan anymore. 
I was told the same by the previous Loan Servicing Company ( AmeriHome Mortgage ) on XX/XX/XXXX as well. 
Please help me get the loan Modification Completed at the earliest.
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (TX)

Applied for Mortgage with Premia relocation mortgage in XX/XX/2022 Loan officer promised a rate under 4 percent but though out the process of application came up with one reason or the other to increase rate charge more points. including advising that I w qualified for loan and then changing qualification status and requiring second lender. 

Lender was reckless with our file and jeopardized the home purchase contract almost costing us our earnest money by delaying processing and changing qualification requirements even up to the week of closing. 

Lender waited to the last minute ( week of closing - couple days before closing ) to change qualification for loan and demanded an additional {$50000.00} in deposit for the loan. 

Lender unreasonably asked for documents that were not necessary including some that were already submitted. e.g lender asked for document showing approval for leave time and when provided lender accused me of falsifying document and demanded letter rom my manager for the same approval. Which was already provided Lender disclosed information about our loan to third party without our consent lender intentionally ignored attempt to communicate with them in the middle of the application process. did not return calls or emails or voicemails left. 

Multiple instances of providing documents asked for and then lender would change requirements and ask for a whole new set of documents. 

Lender changed terms of the loan multiple times even the last week of closing.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: STATE EMPLOYEES CREDIT UNION (NC)

i did a dispute with my bank and they denied it so i did it again and never herd back from them. i have written to them and nothing back.so someone used my XXXX XXXX and took {$2000.00} from my bank account i don't know who they are or why this even happened or how and my bank gave me my money back but then a week later reversed it and took my {$2000.00} again when i told them my accounts had been hacked with my debit card all they did was send me a new card and no refund me my money that i never took from someone else i don't even know the person that did it or anything about those {$2000.00} but they took my {$2000.00} that i worked for very hard for that's almost my whole check for the month. 
thanks for your time hope i get my money back i have had so much fraud done in the last 6 months it's ridiculous
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My score went down tremendously due to suffering identity theft. I have over 50 hard inquiries on my report from someone who was trying to utilize my name and information. I was told by the bureau to submit a complaint. I am desperately seeking help.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

I filed a claim for unauthorized access to my checking account to # XXXX XXXX on XX/XX/2022 after filing the claim I received notice that the funds would be reversed because the merchant claimed that I benefited from the unauthorized access my checking account this is what is stated on the reason for my claim being reversed and I also have documentation record it as to the statement that was made by the adjuster or investigator who handled the claim so in essence what they are saying US Bank is saying is that its OK to steal money from a persons checking account as long as that person appears to have benefited from the funds that were stolen. And that is absolutely ridiculous!! I never authorize the merchant to remove any funds from my account in fact I never gave them access to that card number except for when I made a purchase at the store this transaction was not a purchase from their store it was a mobile phone payment that was never authorized from the beginning the resolution that I am seeking is the return of my {$220.00} that was taken without my permission!!!!
Consumer complaint received 2022-04-26
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. (NC)

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 Account with The XXXX XXXX XXXX - XXXX has violated my rights. 

XXXX Account with XXXX has violate my rights. 

XXXX Account with XXXX XXXX XXXX has violated my rights. 

XXXX Accounts with XXXX XXXX, XXXX has violated my rights. 

XXXX Account with XXXX XXXX has violated my rights. 

XXXX Account with XXXX XXXX has violated my rights. 

XXXX Account with XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make and consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes that antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

Contacted Equifax several times in the past year regarding a collections account from XXXX XXXX opened on XX/XX/2021. I requested if Equifax could provide me with details about this account such as an invoice, contract, or other documentation signed by me Equifax failed to respond with any relevant information during the window stated by FCRA requirements. In fact, as of today Equifax has still not provided me with any details about this debt in the last 12 months. Additionally, I contacted Equifax several times over the year to point out the collections account appeared twice on my credit with inconsistent amounts owned one said {$470.00} while the other was {$470.00}.
Consumer complaint received 2022-04-26
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.