davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
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. (AZ)

Department of education reported to loans on my credit for the first time XXXX against the cares act and not in compliance with the XXXX XXXX guidelines for XXXX XXXX see attached I have a home loan that should have closed and now will not close because of this error before covid I9 i was already working on a repayment plan this is wrong and the account needs to be removed from my credit report because of the law all federal student loans are in deferral
Consumer complaint received 2020-05-25
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. (TX)

XXXX XXXX reported a balance that is incorrect. A charged posted to my account from a card that was closed due to fraud and disputed. I spoke to several managers stating that this is being handled by the security team and would not report the amount affected by dispute to the credit bureau. I explained I was in the process of closing in a house and the last representative I spoke with assured me the credit limit would display in dispute and would report the amount. This card was closed and the merchance XXXX was disputed and new charges should not have been posted and affecting a negative impact on my credit limit or credit report. I called 4x about this issue and keep being told the security team will handle it and there was a note stating that I would be receiving credit
Consumer complaint received 2021-09-22
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: JPMORGAN CHASE & CO. (FL)

I earned points through Chase Southwest affiliate card. I wanted to transfer some points to my wife so I started the transfer process of the points. They indicated the points would be XXXX for the XXXX points however I thought it was just the amount of value I was transferring and proceeded with the transaction. The value of the points are roughly XXXX so I assumed there is no way they would charge me XXXX to transfer XXXX worth of points as it is illogical and makes no sense. When I realized they did intend to charge me on XX/XX/XXXX I called both Chase and Southwest and again on XX/XX/XXXX. Chase issued a provisional credit ; however, they made it sound like there was nothing they can do and that it would probably stand. All I wanted SW to do was reverse the transaction as it was an error and they refused. The transferred points are still there. Southwest has zero flexibility in this regard and will not do the right thing for a customer and simply reverse the transaction which was made in error as a result of their deceptive fee for transferring points. All I am asking for is for the transaction to be reversed- it would cost them nothing. I believe their site is misleading and the fees totally deceptive and excessive as they mirror the value of the points. Why even offer the option to transfer? There are many similar complaints online regarding their lack of flexibility but this appears to be a basic theft of points. Chase is complicit as well as this is their marketing partner and they are acting as if they are not a party to this.
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (OH)

I contacted Credit Karma on XXXX about someone creating a fraudulent account with the email XXXX and using it to access my personal information. The case number was XXXX. I provided documentation to verify my identity and on XXXX the account you XXXX was deleted and an account with my current email address XXXX was created. On XXXX i lost access again to the credit Karma account and sent them another email and I never got a response and havent had access since. On XXXX, i received an XXXX  report that detailed all my hard and soft inquiries and i noticed someone did an inquiry on XXXX, XXXX, and XXXX. At that point i tried to access credit karma again and it showed their was an account created with a similar email address XXXX. Its similar to my real email address but it spells my middle name with 1 XXXX  instead of 2 XXXX 's. Im thinking when whoever tried to access the fraudulent XXXX account and seen it was disabled. They used the lookup tool and entered my personal information and it tells you what email address is associated with the Name and social provided. Which is the same way I found out the email address associated with the fraudulent account. I contacted credit karma and they told me I probably mistakenly set up an account with the wrong email address. Fortunately I have all the emails from the XXXX case and it shows what email i used to set up the account. The person whos accessing my personal information is dangerous to me and my family and thru my report they can get my addresses, mortgage information, income, who i bank with. All the information necessary to do irrepairable damage to me and my family.
Consumer complaint received 2020-05-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I am a XXXX year old retired woman and I really need your help, back in XXXX I paid these people over {$2500.00}, for a illegal and unlawful transaction that evades states USURY INTEREST RATE LAWS ..by CASH NET USA, XXXX XXXX the USA attorney sued them and won in federal court. I paid these people over {$2500.00} in XXXX on a {$2600.00} transaction I paid these people their funds ... ..On XX/XX/XXXX I received a note from another USURY INTEREST COMPANY stating that I owe them {$4300.00} This company XXXX, XXXX XXXX XXXX ( Ph # XXXX ) I do not owe these crooks ANYTHING. 
Please Help Me ... ..Cash Net USA ... XXXX File XXXX file # XXXX
Consumer complaint received 2020-02-06
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: CITIBANK, N.A. (CA)

Statement for past month did not include credits issued for transactions set into dispute with XXXX. Calls were made to confirm amount provisionally credited during dispute, which placed account at a credit balance of about six to seven hundred. When statement was reviewed to verify disputes, only two disputes were available for view. When transactions that were disputed were searched using the online account management features, credits for transactions that were successfully handled through customer dispute process with merchant were not found, even when utilizing the search features. A print out of the report was completed and the merchant on the phone confirmed that a credit was issued in the past. After completing the phone call with a Citibank MasterCard representative on XX/XX/XXXX at XXXX XXXX PST, XXXX XXXX released the relevant electronic communications with the merchant to make it easier to search for the details relevant to the refund that would be communicated to the agent regarding the transaction that was refunded. While the merchant had the exact amount that I had provided over the phone prior to the release of the electronic communication documenting the refund, the online account transactions and statement did not reflect this amount. The representative stated that I would have to go into the branch to get a correct statement. I believe that the statement that contained the errors, as confirmed through a customer agent on the weekend ending XX/XX/XXXX, was stolen from my premises without my authorization. On XX/XX/XXXX, I could not locate the call on the phone log of my cell phone.
Consumer complaint received 2020-05-26
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: Bread Financial Holdings, Inc. (CO)

I recently learned about three derogatory payments with Comenity - NY and CO credit card. After speaking with several people and one today, XX/XX/XXXX, I learned Comenity has a bad address for me and this has impacted my accounts with Victoria Secret and New York and Company. When I spoke with Comenity, they advised me the missed payments are my fault because I never provided them with a good address until XX/XX/XXXX. I did not speak with New York and Company on this date so I am not sure HOW they got an updated address. As of XX/XX/XXXX, even after speaking to several of their representatives, I have logged on to my Victoria Secret account and realized they still have a bad address for my account. As of XX/XX/XXXX, the address listed in the account was XXXX XXXX XXXX XXXX, XXXX   XXXX. The correct address ( which I changed in my VS account ) is XXXX XXXX XXXX XXXX in XXXX, XXXX   XXXX. After reviewing all accounts with Comenity, ( NY & CO, Victoria Secret ), I am realizing my bills and all other correspondance was being sent to the wrong address resulting in non-payment. It appears there are some other issues as well because there were no statements generated from XXXX to XX/XX/XXXX to advise me I had a balance in my NY and CO   account, nor did Comenity make any effort to call me to let me know the status of these accounts were past due. I have confirmed my phone number in both websites is correct and it is. I have excellent credit history. I have also checked for emails from Comenity regarding my victoria Secret account and I did not receive any emails either. Comenity will not provide me any proof of phone calls or attempts to reach out to me and advise me of these past due accounts. 
This has caused hardships on my credit score which was in the high 700  's and now at XXXX. I am also being disqualified for a job with a local police department because of this. I need to get this situation fixed as soon as possible.
Consumer complaint received 2020-02-06
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. (AZ)

A debt collector filed a derogatory comment with XXXX and Equifax ( but not with XXXX  ) which I dispute. I logged into XXXX and filed my dispute which was very quickly resolved and the derogatory comment removed. But, I could not get logged into Equifax and could not speak with anyone on the phone until they mailed me an access code. When I finally received the code, I still could not log in, but was finally able to speak with someone on the phone. But they told me they did not see the derogatory comment in my file. I had just obtained a copy of their report thru XXXX XXXX and told them exactly where it was and that my credit score had decreased as a result. After lengthy time on the phone they finally agreed to file a dispute. It's been several weeks and hadn't received status so attempted to contact them again with the same results as my initial attempt!! I have no confidence they will get this resolved or even really try, they are just doing some bogus stall to get me to give up!. When I filed a complaint with them, they pulled a similar stall/obfuscation maneuver ....
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I signed up to TransUnion thinking I was signing up for an account to see my free credit report. At no time did it say you are being charged for or you have selected this product and will be billed this amount. I thought I had to enter credit card information in case you did decide to buy one of their products. I signed on and then was sent an email saying that I was charged {$24.00} plus tax for one of their products. They are tricking people into a {$27.00} fee. Yes, I was able to cancel the subscription that I never wanted but still had to pay the first MONTH fee.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$460.00} XXXX   XXXX {$250.00} XXXX  XXXX  XXXX {$430.00} XXXX XXXX {$1000.00} XXXX, NA XXXX {$240.00}
Consumer complaint received 2020-05-25
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)

XXXX / XXXX XXXX  Account was reported as missed payment XX/XX/2020. Which is incorrect. I paid for XXXX and XXXX on time for the {$41.00} that they told me to pay as I am out of work. I am paying as agreed.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MN)

I have paid my account ahead of time and made addtional payments, on XX/XX/XXXX I made a ontime payment and it was processed, the company due to the covid XXXX processed the payment late and reported me XXXX payments behind. I have sent them certified mail and they do not respond to any requests I have made they only will send text messages. This is gross error and should not be reported late on there failure to process the payment. I am formally requesting my credit report to show current and no late payments for the month of XXXX or beyond. The payment was not greater than 30 days and was overpayments have been made throughout the course of the loan. Gm financial is practicing illegal reporting tactics.
Consumer complaint received 2020-02-06
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. (AR)

I have several items reporting that have not been updated to the correct status. 
XXXX XXXX exceed 7 years. 

XXXX has some questionable practices that seem to leverage the consumer. After calculating my loan I am on the hook for $ XXXX on a $ XXXX vehicle. 

XXXX XXXX XXXX paid in full. 

OCSE/Child support information where do I start, information is injurious to welfare. Information is no where near accurately reporting. 

XXXX XXXX XXXX is the only correct address listed among the 18 listed. 17 not mine. 

XXXX is my correct phone number the others are not nor have they ever been listed under my name. Remove obsolete personal information asap
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX / XXXX XXXX  Account was reported as missed payment XX/XX/2020. Which is incorrect. I paid for XXXX and XXXX on time for the {$41.00} that they told me to pay as I am out of work. I am paying as agreed.
Consumer complaint received 2022-06-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

After reviewing my credit report, I noticed I.C. SYSTEM, INC at, XXXX XXXX XXXX XXXX XXXX, MN XXXX, PHONE # ( XXXX ) XXXX, Has a collection account on my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it. 

In accordance with the fair credit reporting act : XXXX account # XXXX I.C. SYSTEM, INC, has violated my rights.

1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-02-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIRVA WORLDWIDE INC. (VA)

On XX/XX/XXXX I contacted SIRVA Mortgage to obtain a preapproval for my home search. I was told that my FICO  scores were considerably lower than I expected. I regularly monitor through XXXX XXXX. I know that XXXX  uses a different model than FICO, but a difference of nearly 100 points seems a bit excessive. Additionally, my husband 's scores were MORE than 100 points different - he just bought a car with a score over 760 and suddenly it is below 650? Not likely. 

Understandably concerned I logged on to my XXXX XXXX and checked my free FICO  score through them. The difference from XXXX  FICO from SIRVA and XXXX  FICO from XXXX XXXX was 50 points. What motivation would a Mortgage originator have to tell a customer a score that will cost them a much higher interest rate if not for their own profit when they sell the loan to a servicer? Aren't these manipulative schemes that cost the consumer more one of the many reasons Sarbanes Oxley Act of 2002 was enacted?
Consumer complaint received 2020-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (IL)

I used to be able to tie my account from pins into the XXXX   app because it really helped me when I was in a pinch to get money u til my next pay day.. and now there was something changed with the app and I can no longer use the service!! This is completely ridiculous
Consumer complaint received 2020-05-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Sps loan servicing states they are holding the lien for a defaulted loan over XXXX years old XXXX XXXX XXXX that filed federal bankruptcy in XX/XX/2006 placed a lien on deed in XXXX county clerk of courts in XXXX county florida.the title company used for filing the deed documentation in court was closed about a month after filing the lien XXXX XXXX and abstract the owner was arrested for fraud I don't know if this was valid from the begining or it was written off in bankruptcy court or written off as a bad debt to the IRS sps loan servicing will not disclose any information previous request for validation of debt wet ink sps transaction history fee history corporate advance history transfer from XXXX XXXX XXXX detail transaction history denide by sps loan servicing something is not right with this I believe possible fraudulent practicing please get to the bottom of this
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

The Georgia Department of Labor requested a WAY2GO card on my behalf on XXXX XXXX. I never received this card. I called this company in XX/XX/2020 to inquire about the card. I was told that I could pay XXXX to have the card expedited with 2 day shipping. So I agreed to do that, however I NEVER received the card or any tracking information about the card. I have tried to call WAY2GO card services, but have been unsuccessful. They either hang up immediately or put you hold for hours and then hang up! This has caused my family and I undue stress. This company WAY2GO is a  subsidiary of Conduent company I have tried to reach out to them as well but was unsuccessful.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OR)

XXXX XXXX XXXX XXXX, XXXX  and XXXX  all ftc violations The Federal Trade Commission has charged the XXXX XXXX with falsely promising consumers they would receive a loan with no hidden fees, when, in actuality, the company deducted hundreds or even thousands of dollars in hidden up-front fees from the loans. 
of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
The FDIC says the Comenity units violated the Federal Trade Commission Act by falsely : Telling customers they wouldn't be charged a fee if they didn't carry a balance. Assuring customers fee refunds would be issued to those who canceled coverage within 30 days.XX/XX/XXXX USA : FTC closes XXXX XXXX investigation into alleged stolen client information Financial ServicesPrivacyEnforcement The Federal Trade Commission ( FTC ) sent, on XXXX XX/XX/XXXX, a letter announcing the closure of an investigation into allegations that a XXXX XXXX XXXX XXXX XXXX employee misappropriated client information and transferred it from the XXXX XXXX computer network to a personal website accessed at work, and then onto personal devices ( 'the Letter ' ). The Letter states that XXXX XXXX 's data security practices may violate Section 5 of the FTC Act and claims that an employee stole client information that later appeared on multiple internet sites. 

The Letter lists the FTC 's reasons for closing the investigation, including the fact that XXXX XXXX had already implemented policies designed to protect against insider theft of personal information. 'The FTC 's decision to close the investigation should not be construed as a determination that a violation did not occur, just as the pendency of an investigation should not be construed as a determination that a violation did occur [ ... ] The FTC reserves the right to take such further action as the public interest may require, ' the FTC said.
Consumer complaint received 2020-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage is clearly trying to defraud me out of money. We had our mortgage through XXXX XXXX. They sold our mortgage to ShellPoint. We have a fixed rate, and our principal/interest payment has always been XXXX per month. We have since escrowed our homeowner 's insurance, which should be XXXX per month. Shellpoint has taken this opportunity to steal money from us. Our mortgage should be XXXX and that is what it was when we had an escrowed homeowner 's insurance through XXXX XXXX. We called our homeowner 's insurance company and they verified for us that our annual payment is XXXX. Divide that number by XXXX, and you get XXXX. Simple math ... Shellpoint is literally stealing from us. I want to file criminal charges against them. How can I do this?