davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-17
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: Atlanticus Services Corporation (NY)

Hi on XXXX i bought the XXXX the next day i try to return the phone but keep for XXXX  weeks after XXXX XXXXeek i return the phone Refund issued {$470.00} refund issued on XX/XX/XXXX, XXXX return {$120.00} to gift card and {$350.00} to my ceridet card XXXX XXXX **** XXXX Order Summary Item ( XXXX ) Subtotal : {$430.00} Shipping & Handling : {$0.00} Total before tax : {$430.00} Estimated tax to be collected : {$38.00} Gift Card Amount : - {$120.00} Grand Total : $ XXXX tax and seller information Refund Total {$470.00} now the credit co don't want to give me my # XXXX they said i didn't return the phone Refund issued {$470.00} refund issued on XX/XX/2021.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

We are trying to refinance and Dovenmuehle has been uncooperative. They refuse to provide proof of your payment history and even lied that we were never in forbearance. I have attached supporting documentation and our records show we paid in full and reinstatement should be issued. However we were never in forbearance as described in the letter. 
This is a high Point interest rate and that they are trying to block our refinance. 

I have requested multiple times a payment history of up to 24 months as required by our under writer. They refuse to fax over the correct information and provide the information in a timely manner. We need to close on this refinance today and their inability to cooperate is costing and denying us financing.
Consumer complaint received 2021-11-03
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. (NJ)

HOW MANY TIMES DO I HAVE TO TELL YOU?!?!? THEY WOULD NOT ALLOW ME TO RETURN THE MERCHANDISE!!!! BECAUSE THEY CLOSED MY ACCOUNT!!!! I'VE SHOWED YOU THIS DOCUMENTATION NUMEROUS TIMES!!! DO NOT TELL ME MY DOCUMENTATION WAS NOT SUFFICIENT ENOUGH TO SUPPORT MY CLAIM. YOU JUST DON'T WANT TO ADMIT YOU MESSED UP BECAUSE YOU DON'T WANT TO COUGH UP THE FUNDS TO PAY ME BACK YOURSELVES!!!! TOO MUCH TIME HAS PASSED TO REOPEN THE DISPUTE?? THAT'S BECAUSE YOU XXXX  XXXX  COULDN'T READ!!! OR PRETENDED LIKE YOU COULDN'T ANYWAY. YOU EVEN WENT IN FAVOR OF THE MERCHANT BASED ON A RESPONSE THAT DIDN'T EVEN HAVE ANYTHING TO DO WITH WHY I WAS DISPUTING THE CHARGES!!! THEREFORE YOU NEED TO COVER THE COST OF THE MONEY I LOST DUE TO YOUR NEGLIGENCE!!! I DIDN'T RESPOND IN TIME?!?!? I DID RESPOND, AND I PROVIDED MY CALL HISTORY TO PROVE IT. IF YOU REALLY LISTENED TO THE PHONE CALL YOU WOULD KNOW THAT WAS ME RESPONDING TO THE DISPUTE, AND THE AGENT TOLD ME TO WRITE A LETTER AND SEND IT TO YOU BY XX/XX/XXXX, WHICH I DID!!! I SHOWED PROOF OF THAT AS WELL!!! YOU LISTENED TO THE PHONE CALL FROM XX/XX/XXXX AND IT MET YOUR SERVICING STANDARDS?!?!? THAT'S FUNNY, CAUSE THAT JUST PROVES THAT YOU ACKNOWLEDGE HOW YOU TREAT YOUR CUSTOMERS LIKE XXXX  AND THOSE ARE YOUR SERVICING STANDARDS!!! BUT I DOUBT YOU LISTENED TO ANYTHING, BECAUSE IF YOU REALLY DID, YOU WOULD'VE SAID YOU LISTENED TO THE PHONE CALLS ON XX/XX/XXXX, NOT PHONE CALL. I SAID I CALLED TWICE THAT DAY, AS EVEN MY CALL LOGS I PROVIDED IN MY INITIAL COMPLAINT WITH THE CFPB SHOW. YOU ALSO NEVER SAID ANYTHING IN RESPONSE ABOUT THE PHONE CALL THAT TOOK PLACE ON XX/XX/XXXX, WHICH PROVES YOU DID HEAR FROM ME BEFORE XX/XX/XXXX, AND THAT THE AGENT TOLD ME I HAD UNTIL XX/XX/XXXX TO WRITE A LETTER AND SEND IT TO THE DISPUTES DEPARTMENT. YOU STATE ALL PHONE CALLS ARE MONITORED AND RECORDED, BUT APPARENTLY YOU ONLY USE THEM TO YOUR OWN ADVANTAGE. WHEN IT COMES TO THE CUSTOMER HAVING PROOF OF SOMETHING, YOU DON'T WANT TO PROVIDE THE PHONE RECORDS!!! I DEMAND FOR YOU TO LISTEN TO THE PHONE CALL FROM XX/XX/XXXX AND PROVIDE IT TO ME AND THE CFPB. BECAUSE NO MATTER WHAT XXXX STORY OR COMMENT YOU MAKE ABOUT IT, THE CONVERSATION WILL PROVE THAT I RESPONDED IN TIME IN ACCORDANCE WITH WHAT THE AGENT STATED TO ME. AND IF YOU REFUSE TO PROVIDE IT, THAT IN ITSELF PROVES YOU'RE NOTHING BUT NO GOOD LIARS WHO JUST REFUSE TO TAKE RESPONSIBILITY FOR YOUR ACTIONS. YOUR RESPONSE TO MY CFPB COMPLAINT SHOWS YOU PURPOSELY DISREGARDED EVERYTHING I SAID BECAUSE YOU DON'T WANT TO ADMIT YOU MISHANDLED MY COMPLAINT BECAUSE THAT WOULD MEAN YOU'D HAVE TO CREDIT MY ACCOUNT FROM YOUR OWN POCKETS. AND IF YOU DO NOT PROVIDE THE PHONE CALL AND CREDIT MY ACCOUNT APPROPRIATELY, I WILL SUE YOU IN COURT FOR THE FUNDS...
Consumer complaint received 2021-11-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MoneyLion Inc. (TX)

A representative called my house, my cell, and texted me in a matter of XXXX at least XXXX times, and then they proceeded to call my employer and misrepresent themselves as an employer for the XXXX XXXX Department , they talked to three different people about a past debt, to XXXX XXXX , XXXX XXXX , and XXXX XXXX , now my employment is up for review, and I look like a criminal to my employers. In a time where we are dealing with a pandemic, I suffered a XXXX XXXX, which cause me to visit the XXXX. and my character was defamed and defiled, by a debt collector who was abrasive, and lying about his/her position, and what they were doing. This debt is old, and should be charged off, but keep being resold for the purpose of embarrassing and harassing past clients. This is unwarranted and unlawful behavior, and will my attorney has been called and will also be reaching out out, no case numbers were left, only to say they are coming either to my house or my place of employment.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mortgage Research Center, LLC (GA)

I filed a report with the FTC. This took place XX/XX/22 and i did not give authorization according to 15 U.S. Code 1681b ( permissible purpose ) for my credit information to be furnished.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing this complaint to inform the CFPB, XXXX and XXXX that I am a victim of identity theft. XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a Federal, state, or local law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( proof uploaded ) XXXX and XXXX is in violation of 15 USC 1681b ( 2 ). I never given XXXX and XXXX who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that XXXX and XXXX is a CRA that assumed its roll as congress said they are and elaborate mechanism. XXXX and XXXX has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent. I hereby demand XXXX and XXXX to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by XXXX and XXXX without authority or consent, to commit fraud and furnish a consumer report on my behalf.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX XXXX I sent a letter to XXXX out asking that items be removed from my credit file these items where all of the same accounts along with them being inaccurate items on my credit profile I never received a updated about my credit report or about them doing a investigation due to these derogatory items these has caused me to be denied for credit along with my credit score being lowered, I ask that these items be removed this is so wrong that they refused to remove these items from my credit profile, Transunion LLC On XX/XX/XXXX XXXX this account from XXXX XXXX was removed because this is a item that is not mine. without this company notifying me within 5 days this account this item would be reinserted and reported as a open account on my credit profile and tis account is in a collections status but reporting open and was placed back on my account on XXXX XXXX
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have disputed the incorrect information regarding the amount of {$27000.00} on the year of XXXX, {$1900.00} that reported in XXXX, {$3300.00} also on XXXX, {$2600.00} in XXXX, {$1600.00} in XXXX, {$1100.00} in XXXX, {$9900.00} in XXXX, {$4000.00} in XXXX, {$5200.00} in XXXX, {$9500.00} in XXXX all of which are incorrect, have been reaged or duplicated. The XXXX credit bureau 's have also failed to respond within 30 days of my disputes in the past.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

About 6 years ago my information was part of the equiax hack, never being notified by them I found out from a co worker and how to see online which I was affected starting with them I submitted 3 different claims to there settle ment department of and nothing had been resolved, no help, no information, they haven't giving me the 7 years of free credit monitoring, hec I can't even log in now to unlock my credit, so from there I started cleaning up the mess myself using y'all 's site, FTC , irs , identity. Gov, getting new social security cards, drivers license 3 times, I used XXXX, XXXX, XXXX, XXXX XXXX, all who have denied me any kind of reimbursement or help one I started submitting claims and reciepts for lawyer bills etc etc, XXXX was hacked, XXXX, XXXX, XXXX XXXX, XXXX, etc, I haven't gotten a tax return in 2 years there's 14 inquiries on my credit report I dispute they go away and pop right back up 6 months later. I out out fraud warnings and filed claims and have all the documentation, I can't even get a passport and I'm financially at the end of my rope I make XXXX a year and have no Debt except maybe XXXX on credit cards I used during covid layoffs. It's just a drain and idk what else to do please help. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I logged on to XXXX to obtain all of my reports it would not let me access them. TransUnion froze in the middle of it loading so I was not able to pull my report and print it. When I went back in to try it again it said sorry that we can not help you. I also tried to get it from XXXX. XXXX said that I did not pass the verification, even though I entered all of my information correctly. Once that didn't work, I called XXXX XXXX XXXX and XXXX to rectify the situation and spent the entire talking to an automated system. According to 15 USC 1681j ( a ) ( C ) ( ii ) ( III ) my credit reports are supposed to be easily accessible.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the incorrect information regarding the amount of {$27000.00} on the year of XXXX, {$1900.00} that reported in XXXX, {$3300.00} also on XXXX, {$2600.00} in XXXX, {$1600.00} in XXXX, {$1100.00} in XXXX, {$9900.00} in XXXX, {$4000.00} in XXXX, {$5200.00} in XXXX, {$9500.00} in XXXX all of which are incorrect, have been reaged or duplicated. The XXXX credit bureau 's have also failed to respond within 30 days of my disputes in the past.
Consumer complaint received 2021-11-23
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. (GA)

This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (NJ)

I am XXXX XXXX and I am submitting this complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( ( Original Creditor : ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX )
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX )
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: KEYCORP (NY)

In XX/XX/2021, I received notification that KeyBank, N.A. had opened a XXXX account in my name. I did not apply or consent to the opening of this account. I have never applied for or received benefits under this program. The account information was mailed to a satellite office of my employer. Upon receipt of this information, I reported the fraudulent application to KeyBank. I was advised that an unknown individual submitted a fraudulent application for unemployment benefits to my state XXXX XXXX XXXX I was told that matter had been reviewed and closed as a fraudulent claim. Thereafter, I reported this fraudulent activity to the XXXX. I was advised by the XXXX that the account has been terminated as fraudulent and that no further action was required. 

On XX/XX/2021, KeyBank mailed an account statement, related to the fraudulent account to the address that was used to fraudulently obtain unemployment benefits. This letter included my identification information and the last XXXX digits of an account that was reportedly ( 1 ) never opened and ( 2 ) terminated by inactivity. I called KeyBank yesterday to report the fraudulent transaction. I was disconnected by their automated system twice. There was no option to speak with a representative directly. Their fraud department would not permit me to file a fraud complaint because it could not locate the fraudulent account. Upon reaching a supervisor, I was instructed that my only recourse was to contact the XXXX. When I inquired as to the recent letter, which was mailed by KeyBank, not the DOL, I was told that they mailed XXXX XXXX letters to anyone that may or may not have accounts, without regard to any reports of fraud. I was told that they do not scrub their accounts for reports of fraud to make sure that the notices that they are mailing are not sent to addresses that were previously reported as fraudulent. Despite having reported the fraud XXXX months ago, the fraudulent address remains an active and valid address in KeyBank 's system, without explanation, and without the ability for me to do anything about it. I was told that since I did not open the account, even though it was opened in my name and I am the reported beneficiary, but rather the XXXX opened the account, without my consent, I have no right to any information regarding the account. Therefore, KeyBank refuses to confirm in writing that the account has been closed. KeyBank is playing an active role in this fraud by refusing to acknowledge my complaint, refusing to confirm in writing that the account is closed/never opened, disseminating my information to an address that has been reported to be fraudulent, and refusing to take corrective action to stop the future dissemination of my private information.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX XXXX I had some returned payments i made a payment and hat to close my banking account do to it being compromised and some payments got returned but i tried many times calling Capital one for several days to get the situation resolved i sent them payments through my new accounts so the account is paid off completely and they charged me for the return payments and thats paid off they kept telling me that my card was on a XXXX day hold to make sure the funds was there then they would release the credit but it did not happen kept calling back talk to managers then they told me they closed XXXX of my accounts and they could never be back open cut the cards up i think this was unprofessional unethical that they would not try to help me in any way i was trying the best that i could and i talk to my daughters and friends and they said they had return payments and they never done that please help me understand why was i treated in this manner and why would they not want to resolve this issue with me
Consumer complaint received 2021-12-08
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. (FL)

A dispute letter was sent to Transunion on XX/XX/XXXX provided as exhibit A, asking that they do a investigation in accordance with 15 USC 1681i and any incorrect information be deleted. I received a response from Transunion stating that the XXXX  XXXX account has been verified which is provided as exhibit B. Also exhibit B shows that Transunion is reporting the XXXX  XXXX last date of payment as XX/XX/XXXX. Exhibit C is a statement from XXXX XXXX stating that the last date of payment is XX/XX/XXXX. If Transunion did an investigation in accordance with 15 USC 1681i how can they verify it but reporting inaccurate. Now that i have made you aware of this inaccurate reporting, updating it will be an admission of guilt and i direct violation of my right to a fair investigation. I demand that this account be deleted immediately and or i will have no choice but to seek legal counsel due to the federal violations of the FCRA transunion is currently committing. Please forward me a copy of the updated credit report with the deletions.
Consumer complaint received 2021-10-11
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. (FL)

In XX/XX/2019 I closed my bank and credit card accounts I had with XXXX. At the time, I paid off all remaining balances on my credit card and removed all money held with their bank. Nearly two years later I had noticed negative marks on my credit score due to unpaid balances with XXXX. I submitted a dispute through experian and XXXX claimed that their information was valid, and sent an explaintion using their records. According to their own report I had a balance of {$69.00} in XX/XX/2019 and I paid {$79.00}. For XX/XX/2019 I had a balance of {$9.00} and paid {$310.00}. The following month XX/XX/2019 ( despite closing the account ) I somehow had an owed balance of {$10.00}. Again this is from documents XXXX provided me when claiming that the money I owed them was valid. I believe these numbers they presented are completely fabricated. Which is obvious from the incoherency of the accounting between XXXX and XXXX of 2019. I can validate all of this information with documents that suntrust provided to my experian account.