davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

I began working with Amerisave in XXXX to refinance my existing mortgage. I provided the requisite documents and paid their {$500.00} fee. What followed was an endless demand for additional documentation that has now become redundant and ludicrous or irrelevant. I spoke to a representative, XXXX, earlier this week to review and clarify the remaining questions and issues. A few days later, I received yet another boilerplate email asking for the information I had discussed with XXXX earlier in the week. Because of their delays, the process rolls into a new month so then they ask for updated profit statements ; it appears there is no end in sight. Reviewing XXXX and XXXX, evidently, this has been their M.O. for years -- they take their fee and then bury their customers in demands for documentation -- you sued them in 2004 with a settlement in the millions for a " bait and switch. '' As an example, they are now asking for 2 or 3 copies of business receipts. My XXXX is a XXXX of XXXX XXXX XXXX XXXX XXXX that do about XXXX XXXX a year. Acquiring receipts isn't just impossible and ludicrous, it's redundant because the company 's income is reported in federal tax returns ; nobody would report more income than they are really making because it would mean they're paying more in taxes than they should have to pay! The loan officer is XXXX XXXX and the latest round of demands have come from XXXX XXXX. They've changed their operations a bit since they lost the lawsuit in 2004 but from my experience, they continue to operate in an unreputable fashion.
Consumer complaint received 2020-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

My finace was treated by XXXX XXXX XXXXXX/XX/XXXX before he passed away. The medical office has hired IC Systems and XXXX XXXX XXXX to pursue collection attempts and have added the debt as a collection account to my Credit File with XX/XX/XXXX and XX/XX/XXXX When I communicate with IC Systems and XXXX XXXX XXXX they have no details on the file to give me and have even had an incorrect address. The debt is not mine and I have filed a dispute with IC Systems and XX/XX/XXXX The result of the XX/XX/XXXX Dispute was that it was a " valid claim '' and it is not. I have been attempting to address this incorrect debt attached to my credit report since XX/XX/2020 with no success ( dispute filings XX/XX/2020 # XXXX, XX/XX/2020 # XXXX, XX/XX/2020 # XXXX XXXX. I am still disputing this debt. the accunt with IC Systems is XXXX.
Consumer complaint received 2020-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IN)

XX/XX/2020 my chime bank account was accessed by Either XXXX XXXX, XXXX XXXX, XXXX XXXX then transferred my paycheck {$450.00} to XXXXXX/XX/XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I am writing to formally address a matter of serious concern regarding a hard inquiry on my credit report conducted by Capital One Bank on XX/XX/year>. This inquiry was not authorized by me, nor was it conducted with my prior knowledge. After discovering this issue, I took immediate action and filed disputes with all three major credit bureaus : XXXX, XXXX, and XXXX. 

I am pleased to inform you that XXXX has already removed this fraudulent inquiry from my credit report. However, XXXX and XXXX have yet to address this issue. I have also reached out to Capital One 's Fraud Team, who, after a thorough investigation, confirmed that the hard inquiry was indeed fraudulent. 

Given these circumstances, I request that Capital One take the following actions : Confirm Removal of Hard Inquiry : Please confirm in writing that the fraudulent hard inquiry will be removed from my credit reports with XXXX and XXXX.
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit report and there is a collection that is still reporting on my credit when it should have been deleted. XX/XX/XXXXalready deleted the collection account. Therefore it should be deleted also by TransUnion andXX/XX/XXXXThis is really affecting my life negatively, due to COVID-19 I lost my apartment, and im unable to get a another one because of this collection account that is supposed to be deleted. I am begging you please to solve this situation. I am really struggling at this moment. I am a very responsible person, I have a 100 % payment history. This collection is literally ruining my life along with COVID-19.
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (IL)

I purchase a sofa and loveseat at XXXX XXXX in XXXX XXXX, IL on XX/XX/2019. At the time of the purchase I applied for the XXXX XXXX credit card in order to get a store credit of {$370.00} on the XXXX XXXX card. I provided my name, address and last 4 digits of my SSN. The associate said the application was pending, which sometimes happened. 

I received a letter on XX/XX/2019 from Comenity, saying they needed additional information on my application. I called Commenity to answer some security questions. I explained that I had refinanced my mortgage recently and the company had then transfered the servicing to another firm, so I gave her the name of both companies. They also asked about my car loan and I told her what car I have and when I financed it. I spoke to a supervisor XXXX XXXX XXXX, and he said the application should be completed by end of the day, but that they could not tell me the results. He did tell me the XXXX XXXX store could confirm the card number if I called them as he was required by law to send it only by mail. 

I called XXXX XXXX later on XX/XX/XXXX. They looked up my information and said that there was another card holder with my same last 4 digits of my SSN in my same zip code -- so that was probably the problem with my application. I called XXXX XXXX again to check on XX/XX/XXXX, and my sales rep also said she saw no approved card for me. She called Comenity to see what was going on and called me back to say they did not have any information. 

I called Comenity again on XX/XX/XXXX. They wouldn't tell me anyting, so I asked for a supervisor. The supervisor, XXXX ( extension XXXX ) would not tell me a status but said a letter had been mailed on XX/XX/XXXX. When I pushed back that if they mailed a letter 2 days ago they clearly had a decision, she did finally read me a form letter saying my application had been denied. She said Commentity could not verify my identity. All I could get out of her was that I must have answered several of the identity questions wrong - but she could not tell me what I was asked or which they thought were wrong. I offered to clarify any concerns and told her that I had other current Commentity credit cards for other stores. She would not tell me what the problem was or offer to remedy, just that the application was denied and she could do nothing else. 

I am very upset that I am being denied credit without the opportunity to provide additional information to Commentity. My credit score is excellent and this apparent confusion with another card holder in my zip code is clearly not my fault. I am also very upset that this decision means I won't be able to obtain {$370.00} reward offered to open the card -- again, not due to my credit history, but due to a flaw in Commenity 's review process. 

I recently refinanced my primary residence with absolutely no issues, so I know there is not an issue with my credit file XXXX as XXXX from Comentiy suggested on the phone ).
Consumer complaint received 2020-12-13
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. (AL)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX received a credit report from Experian. 

I was denied credit ( a new home mortgage ) based on 'Excessive obligations in relation to income ' and AMOUNT OWED ON ACCOUNTS IS TOO HIGH. 
This is not supported by the information on my credit report since all accounts have been paid in full since XXXX. 
My FICO score varies between 837 and 850 with all bureaus.

I use only two credit cards and pay off the balances every month. 
The only outstanding loan is my mortgage with XXXX XXXX with a balance of $ XXXX and monthly payments of apx {$1200.00}. 
Experian will not allow me to dispute the incorrect Key Factors listed above that resulted in the denial of credit even though my account information does not support their denial reasons.
Consumer complaint received 2020-12-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION (OK)

Deceptive practices, false and misleading representations in accordance of title 15 ( TILA ) and fraud for furnishing my private information to a third party in accordance to the privacy act of 1974. The amount that Im being held principal for is {$57000.00} with the monthly installments of {$830.00} ... .. The actions Ive taken so far were sending in a consumer enforcement action letter to inform them of the violations that were made. CREDIT ACCEPTANCE was informed the day of XX/XX/2020 when signed and received by one of the representatives! I also received a call from one the representatives on the day of XX/XX/2020 by the name of XXXX XXXX that works in the compliance department she asked me what did I want them to do in regards to the enforcement letter they received and my response was to be recompensed for the damages that has taken place against my natural person and for the account to be discharged in accordance to HOUSE JOINT RESOLUTION 192 ... ..
Consumer complaint received 2020-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Chexsystems has 2 accounts reporting on my account from XXXX XXXX and XXXX XXXX XXXX XXXX that are not my accounts and refused to remove them! They have not sent any verfication to me when asked!! I never had theis accounts open and it is causing banks to decline me for opening a account.
Consumer complaint received 2019-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (KS)

XXXX XXXX had placed a account on my Equifax report and according to XXXX XXXX has made five attempts at getting this account removed as it has been discharged in bankruptcy. XXXX XXXX it is negligence on Equifax 's part that it has not been removed efforts according to XXXX XXXX began in XX/XX/2018 and the account still shows active. THIS NEEDS TO BE REMOVED IMMEDIATELY
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : 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 2020-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Good Morning and thank you for reviewing my concern. 
After reviewing the entire credit profile, XXXX XXXX placed a collection on the credit profile after being resold by the original credit profile. This improper credit reporting compromised credit profile and creditworthiness.
Consumer complaint received 2020-12-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Credit Analysts of MN, Inc. (NY)

XX/XX/2016 : The collection by name of Professional Credit Services, a company in Minnesota, for an amount of {$2000.00} was reported to my XXXX  credit report. I have never known this company, never received any communication from them, never lived in Minnesota. I tried to dispute with XXXX  when i tried to get my first car, they said it meets requirement and no other information and closed the dispute. This is so frustrating. Seems like they can just make debt out of thin air and targets specifically immigrants.
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was shocked when reviewing my credit report and found a 30 day late payment reported for XX/XX/2018. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-12-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (PA)

I received an email stating that my account was suspended for suspicious source of funds picked up by their system. I tried getting in contact with customer support but customer support was very unhelpful and would barely reply. Less than a week later despite, despite trying to get help from support, they tell me my account has been closed for violating their internal policy and that I am not eligible for a refund but that I could send in the requested documents to fix the issue. I tried sending in the requested documents, I sent them in 4 times to be exact but each time I would send an email someone would reply once and I would have to start the process over again because they would no longer reply to the email chain. No one would or could explain anything to me. They basically took the money and stopped responding or helping. The account had XXXX dollars and I looked online and saw that the company had done this to a lot of people none of whom managed to get their money back.
Consumer complaint received 2020-07-08
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: SYNCHRONY FINANCIAL (FL)

On XX/XX/2019 I ordered some clothing from XXXX XXXX incorrect items was sent. I returned the items. I wanted my money back and the company agreed. I never got my money back. XXXX XXXX sent documents that I made the order. Yes I originally made the order, but the things I received were not what I ordered. The company said I would get a refund and I am still dealing with this six months later.
Consumer complaint received 2020-11-07
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)

I placed a credit freeze on my account because of fraud in XXXX of 2019. Any credit opened would require the company to call me to verify I requested any account. Last week XX/XX/XXXXXXXX placed a collection account on my credit report that I did not open. I disputed with transunion the Investigation resulted in the account being called accurate. This account is not my account. I never opened a account with XXXX XX/XX/XXXX ... I need the account deleted from my credit report.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-11-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

I have been trying to withdraw my money from my Chime account in order to complete a major financial transaction after contacting support multiple times, they have locked my account and are now refusing to even give me access to withdraw my funds. Through out this porcess I have expressed the temporal urgency to Chime and that I need access to these funds to complete a major financial transaction. 

Starting the week of XXXX XX/XX/2020, I attempted to move funds from my Chime savings account to my Chime spending account so that I could initiate an ACH to another institution. This failed multiple times with cryptic errors I contacted Chime support via chat and via email on XXXX XX/XX/2020 asking for a resolution. 

After no response to either chat or email, I called Chime support on XXXX XXXX. The person on the phone was unable to help me transfer the funds, but recommended that I close my savings account so that th efunds could automatically be moved to my spending account. I agreed, and he submitted the request to their escalation department and told me I would receive a response shortly. 

On XXXX XXXX, I received an email from XXXX on Chime 's escalations team asking me if I did, indeed want to do what the phone support representative suggested. I replied yes within five minutes. I later on XXXX XXXX received two emails from Chime telling me that my account has been placed on hold. They asked for a number of a documents ( e.g. IDs, utility bills, other bank statements, as well as explanations of vaguely described suspicious acitvities ). I wrote a long explanation and included all of the requested documents and sent that within an hour of receiving the first email. Given the timing of these emails only after I contacted support, one must wonder if this is either a dillatory tactic or retribution. 

I called support again on XXXX XXXX, and the two agents I spoke to ( one a manager ) looked at the interactions and said that while they agreed I had provided all of the details they needed, there was nothing they could do. There was no way they could contact the department responsible for this other than to write a note on my account.

I'm under a tight deadline for this financial transaction and must have access to my funds quickly, yet Chime is refusing to help me or give me access to the funds that I trusted with them.
Consumer complaint received 2019-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

On XX/XX/2017, Ocwen Loan Servicing commenced an action in Supreme Court, XXXX XXXX, NY, re-opening a Voluntary Discontinuance filed by XXXX XXXX XXXX XXXX XXXX, ( XXXX ). 

But the plaintiff in this new action, Index # XXXX, is listed as XXXX, not Ocwen. 

Did Ocwen file the Complaint or did XXXX  file it? Answers to this question are requested of both parties.
Consumer complaint received 2020-12-12
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. (NY)

I've mailed multiple letters out demanding the inaccurate information on my credit report be fixed. Experian has negated to acknowledge I am submitting these complaints. I have supplied appropriate proof of identity to show it is me ( XXXX XXXX ) submitting these complaints. Experian 's automated message is a disgrace and they are not taking the time to make sure the consumer complaint is being handled the right way. XXXX  and XXXX  have failed to produce results from their investigation. The items mentioned in the letters attached need to be deleted and I need to be provided the updated credit report showing they are removed.
Consumer complaint received 2020-11-07
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: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XX/XX/XXXX XX/XX/XXXX andXX/XX/XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XX/XX/XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XX/XX/XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX