davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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. (TX)

Hi I am submitting this XXXX  XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benuck & Rainey, Inc. (MA)

Received called from Benuck and Rainy. They left a very vague message on my voicemail. Left like an attempt to lore me in to calling them. The name of the person who owns the debt was never specified, what kind of debt it was or amount.
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I have had a mortgage loan with Chase bank for approximately 20 years. 

I have been attempting to refinance this loan since XXXX and just have not had any progress on getting the loan refinanced. 

I have spoken with the loan officer on numerous occasions and he says that he has all of my information, but as of today their has been no progress on closing the loan. 

I have presented them with all of the information that they have requested. 

I have had a XXXX XXXX XXXX for twenty years, but I also worked for periods of time for companies while still maintaining my business. I was working for a company until XXXX of XXXX, after that time I have worked full time on my XXXX XXXX XXXX. 

One thing that the loan officer mentioned was that my income from my XXXX  business had increased drastically from XXXX to XXXX. I explained that in XXXX I had dedicated 100 % of my time to the business where as in XXXX I could not due to be employed by a company It seems like people who are self employed are possibly treated differently if their business is more successful the following year because they were able to dedicate more time to the business
Consumer complaint received 2021-03-13
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: FORD MOTOR CREDIT CO. (MN)

I recently accessed my credit report and seen that a car loan that wasnt supposed to be under my name is on my report. The loan was purchased by my ex and added me as a co-signer. I have tried numerous times to resolve this and to get it deleted and the company is refusing to honor to my request. They sent me the contract with his signature and mines and thats not even my signature. I was at work on the date and time of this purchase. And on another violation regarding my rights as a consumer they never marked any Credit reports in which they are supposed to within 30 days of the dispute. I sent the first letter certified and it was signed for on XX/XX/XXXX. I sent another letter on XX/XX/XXXX and they signed for this on XX/XX/XXXX and I have yet heard anything back or has the account been removed from my credit reports
Consumer complaint received 2020-11-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (MO)

I have a court date with LVNV Funding LLC for XXXX XXXX, XXXX for a credit card debt for {$940.00} The court papers that were served to me has interest charges from XXXX, It also has me making a payment in XXXX. This account is 15 years old, way past the statue of limitations for Missouri, plus I filed bankruptcy in XXXX. This is illegal.
Consumer complaint received 2022-12-15
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. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$32000.00}
Consumer complaint received 2020-11-09
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. (GA)

XXXX XXXX company is falsely reporting a late payment to Experian. I tried to remedy the issue with the company on multiple issues, to no avail. In short, the payment did not process on the due date, so I called to remedy the issue, and thought everything was solved, until I received a notification for a late payment. This was for a payment due in XX/XX/2020. Had I not been able to make the payment, I would have called prior to the due date and asked for assistance as provided by the CARES Act, due to COVID-19. 

There are discrepancies ( as I have included proof of in the attached file ) with XX/XX/XXXX electronic record keeping system, and it causes me to question the record keeping practices of the company as a whole, and the validity of the information furnished to the credit bureaus overall. On XX/XX/2020 XXXX attempted to process 3 payments at the amount of {$190.00}, in the total of {$580.00}. This amount was {$190.00} more than authorized to come out and {$190.00} more than actually owed at the time. This is also not the date or the amount I discussed over the phone with a representative. I discussed a one-time payment of around or about {$390.00}. The only record XXXX seems to have of the {$390.00}, is in the notes, and not annotated on the financial records. Despite someone trying to correct this issue on XXXX behalf, before I caught it, the payments still processed through our account. This is also reflected on the XXXX website transaction history where it shows 3 payment reversals effective on XX/XX/2020 ( Im sure due to an employee/the system recognizing the error before we did ), as well as a fourth payment attempt on XX/XX/2020. The records for the fourth payment attempt also falsely read that the payment was not received until XX/XX/2020, despite our bank records ( see attached ) showing otherwise ( that payment was received on XX/XX/2020 ). We also incurred almost {$60.00} in returned item fees, due to a discrepancy on XXXX behalf of attempting to take {$580.00} out of our account at once. In addition to this, I was under the assumption that we were a month ahead on payments from the initial start. This is an account that I have with my ex-husband, so we only put what's needed in there for the timeshare payment, and nothing more. 

Please see the attached PDF for a more detailed explanation.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (IL)

I have given this organization over two months to resolve the charge on my account of {$47.00} for merchandise not received said to have shipped on XX/XX/2021. I have place numerous calls to the Credit department to have the charged removed from my bill and also complained to the order department directly. I have exhausted getting a resolve through their customer service representatives and supervisors. No one has made an effort to to fix this error.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Bread Financial Holdings, Inc. (NC)

i started a lane bryant credt card last year. my issue is i cant keep contacting them to make a payment over the phone. i have yet gotten my credit card since opening this account, it has ben well over 30 days. as they also told me they couldnt give me any information on my account over the phone because the address was incorrect. thye woud not allow me to fix it so i could get my statements as well as my card. now im tryig to get a loan for school and now i cant because i cant pay this back do to lane bryant credit company. if theres any way you could help i would love that
Consumer complaint received 2020-11-09
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: CITIBANK, N.A. (TX)

XX/XX/2020 Credit opened with Macy 's by someone under my name, home address, SSN. 
Contacted Macy 's Fraudulent department. 

XX/XX/2020 XXXX 's XXXX. Credit opened with XXXX 's for {$2400.00} by someone using my name, home address, and SSN. 
Contacted XXXX 's XXXX Fraudulent department. 

XX/XX/2020 Checking account opened with XXXX XXXX XXXX by someone using my name, home address, and SSN. 
Contacted XXXX XXXX XXXX Fraudulent department.
Consumer complaint received 2022-12-03
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: Navient Solutions, LLC. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat & payment on a credit card account under sin open end consumer credit plan as late for Purpose.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

XX/XX/2020 purchased skincare products that was guaranteed to make your skin look younger and less wrinkles. Was told to use it for at least a month. So she did and it didn't work at all. So she filed a dispute and the card company say they couldn't do anything about it because the company didn't have a return policy. However I didn't know anything about it. XXXX XXXX isn't very educated she can't read or write and wasn't told anything about no return policy or she wouldn't have purchased something you couldn't return if it doesn't work. She spent {$2600.00} this company was preying on her because she is elderly and not educated. The credit card company is Bank of America. The company was XXXX XXXX. This is XXXX XXXX 's daughter helping her fill this out. Thank you very much.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NJ)

I had applied for a rate & term refinance with NewRez on XX/XX/XXXX. 

After missing my closing date by 2 months, I received a closing disclosure on XX/XX/XXXX showing that I was set to close on the refinance, and the closing disclosure sent to me was completely wrong compared to what appeared on the actual closing documents. I will detail the information below : Terms I had agreed to on the original application ( Loan estimate dated XX/XX/XXXX attached ) : Loan amount : {$130000.00} with me bringing {$110.00} to closing. 
I *locked* into a rate of XXXX with XXXX points. ( Rate lock agreement attached. ) The estimated monthly payment was {$1300.00} Closing disclosure dated XX/XX/XXXX ( attached ) showed the following : Loan amount of {$140000.00} with {$1900.00} coming back to me at closing. 
Mysteriously the rate was 2.75 % with XXXX points ( no one ever told me that the rate/points had changed - and rates have gone down since I locked in so there is no reason for my rate to have gone up. ) The loan amount on the closing disclosure showed {$140000.00} with {$1900.00} coming back to me at closing after closing costs and payoff of my old loan. 
The monthly payment was to be {$1300.00} Closing was scheduled for Tuesday, XXXX, and the documents showed a completely different loan XXXX closing disclosure dated XXXX attached ) : Loan amount {$150000.00} with my second lien of {$10000.00} being paid off. It was never discussed with me that the second loan had to be paid off. This was a COMPLETE surprise at closing. I was now receiving {$24.00} at closing. 
The rate was now XXXX with XXXX points. When questioned about the change in rate/points, my processor said " I have nothing at all to do with the rate. '' I contacted my loan officer about this on XXXX with no response. I asked the processor to have him contact me, and she said she would, but it's now Monday XXXX, and I have yet to hear anything about why the rate was wrong. 
Monthly payment was now {$1400.00}. 

I have been incredibly displeased with this entire process - with missing my closing date, messing up the loan amount, lack of communication about a second lien needing to be rolled into the loan ( no one even asked me if I would like to pay it off with cash ), inaccurate closing disclosures, the interest rate and point combination changing with no explanation, etc.
Consumer complaint received 2020-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

The amounts was {$140.00} claim id # ( Dispute ID : XXXX in the amounts of {$37.00} {$30.00} {$73.00} I was told that a error occurred on the XX/XX/2020 and it was final. My account was debited on XXXX/XXXX/2020. This is them commenting fraud I have a email. They are saying the email was a mistake. Which is not true. Chime is trying to hold on to funds. I spoke with agents on Saturday informing me that the error accrued and me account will be funded back. Now chime is refusing to do so. I will like to Sue.I have a email stating that no error occurred. I have proof.
Consumer complaint received 2020-11-09
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 am a victim of identity theft. I have reported to all three credit bureaus that fraudulent charges were made with my information. XXXX XXXX XXXX XXXX has not removed the account. I have contacted and disputed this account 4 times. The balance is {$24000.00}. I have never did business with this company. This account shows up as closed. I want to file a complaint on all four parties. Thank you.
Consumer complaint received 2020-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I have been making payments towards Public Service Loan Forgiveness for many years and I re-certify my qualified employment often ( at least once a year ). I also have been careful to ensure my loan payments have all been eligible ( IDR ). While I am very grateful that I am now able to log in and actually see which payments have counted towards my repayment I also see that entire 12 months of qualified payments with an eligible employer ( University of XXXX- System ) have not been counted ( XX/XX/XXXX through XX/XX/XXXX ). I raised this twice with my loan servicer both over the phone and via chat ( XX/XX/XXXX ). I have sent the signed employment certification 3 times that includes those missing 12 months. The loan servicer responses continue to neglect including those 12 months. I am so close to discharging two loans. I need your help in getting this resolved.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I received notifications that two credit card accounts were applied for with Bank of America. When I called Bank of America I advised them that I did not apply for these accounts I have spoken to 10 different reps and the accounts have not been closed. I have not applied for any accounts with Bank of America and these credit cards need to be shut down. When I called Bank of America they refused to close the account and stated there is a block only. I have not applied for these accounts and want them removed and closed. I am a victim of identity theft.
Consumer complaint received 2020-11-09
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: Experian Information Solutions Inc. (IL)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.
Consumer complaint received 2020-06-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION (AZ)

Due to COVID-19, I contacted the company to pay off the balance of the loan. I called several times before reaching a satisfactory agreement. The agreement included 2 forgiven payments and I was told that the loan would be brought current. On XX/XX/2020 I paid off the balance off the " current '' loan. 

Today I find that they reported a delinquent payment to the credit bureau and closed the loan which was contrary to the agreement made. The deliberately mislead me and deliberately attempted to hurt my credit rating. During my attempts to make an arrangement with them, they avoided returning my calls and caused the agreed amount to increase by days before I could pay off the loan.
Consumer complaint received 2022-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

Received a call from a representative claiming he was with XXXX XXXX, a utility company. He claimed that I had an outstanding balance of $ XXXX and needed to be paid immediately or my service will get disconnected that day. He walked me thru process of creating Zelle recipient and making a payment thru Zelle. My first transaction, he claimed had an error on it after I sent it. So he said he was going to cancel and he then walked me thru second transaction and then sent it again. Both transactions were in the amount of $ XXXX first transaction was sent to XXXX and XXXX transaction was sent to XXXX. XXXX came from a XXXX XXXX @ XXXX. 

The issue is with Zelle, the transaction can not be cancelled once it is sent. There is recourse when sending to a fraudulent account or a scam.