davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
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: DISCOVER BANK (MD)

I would like to dispute the transaction with XXXX, in the amount of {$1900.00}. The reason is that the item was returned but no refund been issued. I have contacted the XXXX to open a claim for package lost and the merchant has approved it on XX/XX/2021 - see documents as attached. However, the credit card company ( Discover ) has never issued the refund and denied the dispute case without providing any valid evidence- they simply mentioned the transaction was found to be valid but did not follow-up on the issues was claiming for. 

As a valued customer, I have to report this case to CFPB to protect myself as a victim to this transaction. Obviously, the XXXX was responsible to pay for the package lost but not the customer, and as the merchant has already approved the claim, the credit company has to provide the refund without any delay. On the contrary, Discover provided the fake evidence showing the charge was valid but not that did not solve the problem. I would appreciate if CFPB could step in and investigate the case on my behalf.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NC)

Back when the pandemic began my XXXX  slowed down and I wasn't able to pay my American Express XXXX XXXX and my XXXX  card was canceled and reported on my personal credit report as a charged off which tanked my credit. At the time I have accumulated over XXXX points with a cash value of over {$4000.00}. The unpaid debt at the time was {$39000.00}. This debt was sent for collection to a third part debt collector XXXX XXXX  XXXX out of North Carolina. I made an agreement that I will make the payment immediately XXXX  resumes since we are in a pandemic. The agreement was that I will payoff the whole debt, my account will be reinstated and I can recover the points that were forfeited when the card was canceled. By XXXX of this year I paid off the whole balance and I was informed that my account will be sent for reinstatement. So far I have made several phone calls and follow ups. No one knows what to do with my account or are telling me that I owe them money on a different account that was opened back in XXXX. 
They are saying I owe them over {$1600.00} on an account that was opened in XXXX. They are saying to reinstate my account I have to settled this account that I have no idea of back in XXXX. Back in XXXX, This same account was resolved with American express. I was not aware of this account at the time and not responsible for any of charges on it. American Express at the time has agreed to remove it from all credit reports and release me of responsibility of the account. It looks like they have not updated their internal records to reflect the release agreement I had with them. This is a violation of the agreement releasing me of responsibility of the account back in XXXX. I am attaching copies of the agreement I had with them back in XXXX. The last 5 digits of the account is XXXX and the reference number to this case is XXXX. In the past, this same case has been used to deny me credit with American Express which I believe is an unfair denial.
Consumer complaint received 2022-01-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

AFTER FILING A COMPLAINT ON XXXX IN REGARDS TO THIS ON GOING ISSUE OF UNKNOWN COLLECTION ACCOUNTS, INQUIRES AND ADDRESSES REPORTING ON MY CREDIT REPORT. I HAVE REQUESTED A REINVESTIGATION AND REQUESTED A DESCRIPTION OF HOW THE INVESTIGATION WAS CONDUCTED ALONG WITH THE NAME, ADDRESS, AND TELEPHONE NUMBER OF ANYONE CONTACTED FOR INFORMATION. THIS WAS SENT ON XXXX. 

I CONTINUE TO SEE INQUIRES ON MY XXXX REPORT THAT I DON'T HAVE AN ACCOUNT WITH NOR DID I AUTHORIZE OR CONSENT THE USE OF MY CREDIT FOR THOSE PURPOSES. IF YOU HAVE A CONTRACT WITH ME & THOSE COMPANIES PLEASE PROVIDE THEM. MOST ARE DUPLICATES. XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX


I ALSO CONTINUE TO SEE COLLECTION ACCOUNT OF WHICH I HAVE YET TO RECEIVE ANY SIGNED CONTRACTES I HAVE WITH THE COMPANY AS WELL AS THE COLLECTION AGENCY SHOWING PROOF THAT I OWE THEM ANY DEBT.

OPENED - XXXX XXXX XXXX - XXXX  OPENED - XXXX XXXX XXXX - EQUIFAX

EMPLOYERS - XXXX XXXX XXXX  - XXXX  
ADDRESSES - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
XXXX XXXX XXXX - EQUIFAX

I HAVE UPDATED ALL MY CURRENT INFORMATION AND ANY OLD INFROMATION SHOULD BE REMOVED & UPDATED.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( TransUnion, XXXX and XXXX ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage 3 & 8 and now 9 is in effect. This system acts like the mob and if they can't get it together the courts will .... I had enough.
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I agreed to loan consent and started the refinance process. On XX/XX/XXXX I paid the up front fees and signed my disclosure. I uploaded all required documents and my home was appraisal was made available to me on XX/XX/XXXX. XX/XX/XXXX I was contacted by my loan processor, who informed my loan application status was in review. On XX/XX/XXXX my loan approval package was available to review and was signed electronically. XX/XX/XXXX I was told my status was XXXX XXXX XXXX  Approval Final from my processor and was updated on title work was beginning. XX/XX/XXXX title found a judgment against my ex-husband that was paid and fixed. XX/XX/XXXX my loan was still in XXXX XXXX XXXX Approval Final from loan processor. XX/XX/XXXX loan processor let me know my file was in underwriting. XX/XX/XXXX updated by loan processor that my loan was XXXX XXXX XXXX Approval Final- file is in underwriting. On XX/XX/XXXX they pulled my credit for a second time, without informing me that they were going to pull my credit. I gave permission on XX/XX/XXXX for my credit to be pulled, which it was, however, I was never told my credit would be pulled again. That left me with another hard inquiry on my credit report without being told they were doing so. I only found out, because XXXX/credit updated that my credit had been pulled and was contacted by lender after they found I had opened a new line of credit and they needed information on it. Overall, the communication has been lacking and it seems like 172 days to complete a refinance is excessive and the communication has been lacking on the lenders behalf. I am very disappointed and looking to cancel the loan application. Since they pulled my credit again on XX/XX/XXXX, I am looking at other mortgage companies since it will be within 14 days and wont count against my credit with multiple hard inquiries. I am very disappointed in the entire process and I was already a citimortgage holder.
Consumer complaint received 2022-01-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NY)

I have a loan with SANTANDER CONSUMER USA. I have always made my payments on time yet there was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus and the company as well requesting a complete payment history with this account for me to review the exact date on which the repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned XXXX. There was definitely an error on their part. There was definitely an error on their part. The company is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY. 

( SANTANDER CONSUMER USA XXXX )
Consumer complaint received 2022-01-07
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: EQUIFAX, INC. (OH)

*Attached is my state id and Social Security card The Listed accounts were placed onto my consumer report without my written consent please help me to get this solved. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX  US DEP ED # XXXX *Please see attached documentation
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NY)

XXXX company is currently showing 30 days late ( XXXX XXXX XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( XXXX XXXX )
Consumer complaint received 2021-01-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: LOBEL FINANCIAL CORPORATION (OR)

MY WIVES CAR, THAT I FINANCED HER THROUGH LOBEL FINANCIAL WAS ILLEGALLY REPOSSED THIS MORNING, CALLED FINANCE COMPANY THEY SAY WERE PAST DUE, BUT I HAVE PROOF OF ALL PAYMENTS. THEY STILL HAVE NOT CREDITED TWO PAYMENTS THAT WERE MADE IN XX/XX/2020 AND XX/XX/2020. PLEASE HELP!! 1
Consumer complaint received 2023-03-27
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)

This is my 4th endeavor to tell you that 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, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-07-13
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. (NY)

I am a victim of Identity theft. I have made a report to FTC and will attach it with my docmuments so that the three major credit bureaus will remove the fradulent accounts from my report.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (OK)

I was informed by XXXX that someone attempted to use the card in question. 

In addition to that there was a total of $ XXXX dollars taken from this account by someone other than myself. I don't want the money but I would like to have some kind of response from this bank who operates under some kind of federal contract, what a travesty, that they acknowledge their misgivings and close this account to never hear from them again in life. This episode happened in 2021 I called number after number NO ONE ANSWERS THE PHONE, neither Co-America Bank OR Direct Express. 

I sent this letter dated XX/XX/2021 special delivery return receipt requested I got document from them later in the year 2021 which was something like when you open an account nothing addressing my issue, my complaint.
Consumer complaint received 2022-01-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

I am have a mortgage with PHH and have been given the absolute run around about a modification that should have been completed already. PHH switched agreements without consenting me the first modification that was presented to me was sent to me and I had to notarize it and sent it back ON time. I paid XXXX dollars to have it notarized, only for PHH to change the agreement without informing me, and the only way I found out about a new modification was by me calling them to inquire about the other partial payment modification that I had previously submitted. Now I have been calling and the new modification have still not been updated. And I previously only owed XXXX XXXX now I owe XXXX XXXX dollars on my home. I feel like PHH is ripping me off to gain a profit off of me. I had no choice but to sign this new modification because PHH waited for the time to run out on the previous agreement so that they could tack on all kind of fees to this new agreement. Knowing that I dont want to loose my house. PHH is not concerned about clients but most concerned about stealing the clients property and money. I have lived here over 30 years and yet I owe more then I purchased this house for. Its truly sad how these companies get rich off of schemes.
Consumer complaint received 2022-01-14
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. (TX)

I've been reporting these accouints XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX for a long time. A Charge Off Account with Balance? The bureaus keep on reporting inaccurate information on my credit file? I even asked for verification and I never received any correspondence from them ( XXXX, Experian, and XXXX ) This account is reporting incorrectly. I see Different dates on last active which is inaccurate. Attached are my dispute letters and the recent screenshot of my credit report XX/XX/2022
Consumer complaint received 2022-01-14
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. (TX)

I've been reporting these accouints XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX USA N A ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX USA N A ) XXXX for a long time. A Charge Off Account with Balance? The bureaus keep on reporting inaccurate information on my credit file? I even asked for verification and I never received any correspondence from them ( XXXX, XXXX, and Transunion ) This account is reporting incorrectly. I see Different dates on last active which is inaccurate. Attached are my dispute letters and the recent screenshot of my credit report XX/XX/2022
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BARCLAYS BANK DELAWARE (PA)

I have been getting the checks that are for balance transfers in the mail roughly every other month since I opened the card. 

I have called four times to have these checks canceled. Each time I am assured they will be canceled and yet I still receive them.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (CA)

I have brought XXXX in the mix so both can mediate with each other. I have attached documents from the day this happened. Currently, Early Warning Services has blacklisted me due to an issue with Account Fraud. Because of this, my banking access has become restricted, particularly with XXXX XXXX XXXX XXXX. 

As of XX/XX/2022, the XXXX  XXXX XXXX account ending in XXXX is the only account that is causing the restriction in the system. It's fully paid for, my other current accounts are in good standing will positive balances. If any low balance were to happen, it's been taken care of immediately in a timely fashion.
Consumer complaint received 2020-07-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/2020 Comenity Bank contacted numerous family members that are not authorized by me about my debt to them. Information was given to them about my account such as, what is due, when the last payment was made, etc. The family members were asked if they were me ( the account holder ) and verified that they were not. 

When I contacted Comenity Bank back to have this dealt with the same person that called verified that he did speak to those people and claims to not given that information to them, but when family members I do not speak to tell me information that they would not have known would tell me a different story. After speaking and telling the individual that I do not want my information given to anyone other than me and that those people have no right knowing those things, he wanted to yell and speak to me in a horrible manner. I then hung the phone up because I do not want to spoken to in that way.
Consumer complaint received 2022-07-08
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. (TX)

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX  XXXX with the ACCOUNT # XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX XXXX XXXX AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX ACCOUNT # XXXX Please do not respond with identification verification, this is indeed XXXX XXXX XXXX
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (GA)

In XXXX of XXXX, I had entered a repayment agreement from a judgement filed against me for a charged off Barclays XXXX credit card with the first payment due XX/XX/XXXX. I had made the first payments under this agreement at the agreed upon amount. In XXXX, I had started the process of purchasing a home. At the direction of my lender, I had tried contacting the attorney 's office handling the debt as well as the original creditor to see if I was able to make a lumpsum payment and/or if they are able to assist with anything additional if I pay the remaining balance off in one payment. I had never received a response from the attorney or the creditor. I had sent in the final payment that covered the remaining balance due under the agreement which was deducted from my bank account on XX/XX/XXXX. When Barclays reported the account update on XX/XX/XXXX, it had indicated the last payment made as well as a remaining balance of {$680.00}. I had been informed by my lender that this isn't uncommon and that typically the balance will zero out the month following the final payment made. My lender stated they he believes that since a third party was involved in the payment process ( payments sent to the attorney 's office made payable to Barclay 's ) there might be a lag in when Barclays receives the payment info and to ensure no returned payments before zeroing out the account. That didn't happen. XX/XX/XXXX, same balance and last payment were being reported. At this point, I had tried calling countless times to the attorneys officer and my calls were completely avoided ; no calls taken and no returned calls from voicemails left. I also tried contacting Barclays directly who in turn refused to assist me since the account was assigned with an attorney. Even after informing them that nobody has returned any of my calls and that I've completed my end of the agreement. These calls took place through XXXX, again after no changes to my credit via my XXXX update. I am getting closer to the close date and my lender needed to update final credit. As of today, the last update from Barclays to the bureaus still show the same balance and last payment made. I've included my credit reporting from them for the past 10 months. I've also included a copy of the settlement agreement, proof of each payment and the satisfaction of judgement. The final page of this attachment, which was agreed upon in XXXX and has all parties signature initially stated deemed as original XX/XX/XXXX which was crossed out and changed to XX/XX/XXXX. Additionally in the upper righthand corner of the consent judgement, there was an XX/XX/XXXX e-file date with a line through it followed by a XX/XX/XXXX date. Furthermore, the satisfaction of judgement wasn't signed until XX/XX/XXXX.