davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I received an ad on XXXX about automated blinds. I inquired, and XXXX XXXX XXXX called and came to quote in person. At that time the representative prepared an invoice and requested {$1600.00} as a deposit which was paid via XXXX. The remaining {$400.00} was to be paid upon completion. Initial scheduled date was XX/XX/XXXX, but nobody showed up. In the afternoon a received a call claiming the warehouse got flooded that's why they did not show. Rescheduled for Monday XX/XX/XXXX, nobody showed up and no reply to my text inquiring about it on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I attempted another contact, was told coming on XX/XX/XXXX, another no show. On XXXX attempted contact requesting a refund. The business replied that they'd drop off the check. No check was ever delivered nor electronic transfer. XX/XX/XXXX another contact was attempted with no resolution nor refund. Several other attempts were made to the business with no response. 

I bank with XXXX XXXX  XXXX who investigated the claim but were unable to resolve since the business banks with Wells Fargo. 

They go by Next day blinds and shades but the registered name of the business is XXXX XXXX XXXX. There are multiple businesses under the owners. The owner is a convicted felon and there are numerous complaints and lawsuits for theft and fraud including healthcare fraud.
Consumer complaint received 2022-02-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/2022, Portfolio Recovery reported my account in the amount of {$450.00}. The balance is incorrect and a settlement for deletion arrangement was applied in the amount of {$100.00} which was paid.
Consumer complaint received 2022-02-03
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)

The following XXXX, Experian, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX )
Consumer complaint received 2022-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (TN)

Navy Federal reported there was no fraud noted in XXXX of 2021 when a XXXX transfer of {$290.00} was sent from my account to another. 
Within 24 hours of the transaction my XXXX account was restricted due to fraudulent behavior noticed by XXXX, before a report was made on my end. 
Navy Federal stands by its claim that no fraud was committed, refuses to perform a charge back to the original account, refuses all calls from my phone number regarding my issue, and refuses to speak with XXXX in any attempt to unrestrict my account.
Consumer complaint received 2022-02-03
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. (AR)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-03
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: AmeriHome Mortgage Company, LLC (TX)

I close my cash out refinance loan on XX/XX/XXXX. The title company paid all the balance to ameri home mortgage. The ameri home mortgage account still shows on my credit report and 30 days late. It get my XXXX XXXX XXXX points down. I m middle of another loan it hurt. 
I call ameri home mortgage to send correct information there didnt do any thing. I dispute credit report agency XXXX XXXX and XXXX there didnt do any thing. Its more than a month for cash out refinance and ameri home mortgage still in my credit report as open account and shows late payment. There upload the current status to my account but not uploaded to credit report agency
Consumer complaint received 2022-02-03
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. (TX)

I close my cash out refinance loan on XX/XX/XXXX. The title company paid all the balance to XXXX XXXX XXXX. The XXXX XXXX XXXX  account still shows on my credit report and 30 days late. It get my XXXX XXXX XXXX points down. I m middle of another loan it hurt. 
I call XXXX XXXX XXXX to send correct information there didnt do any thing. I dispute credit report agency XXXX XXXX and XXXX there didnt do any thing. Its more than a month for cash out refinance and XXXX XXXX XXXX  still in my credit report as open account and shows late payment. There upload the current status to my account but not uploaded to credit report agency
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX / XXXX / {$1200.00} XXXX XXXX XXXX/ XXXX / {$1100.00} XXXX XXXX XXXX/ XXXX / {$1100.00} XXXX XXXX XXXX XXXX / {$1000.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Consumer complaint received 2022-02-03
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)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2024-08-10
Product: Credit 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: SYNCHRONY FINANCIAL (PA)

Submitted an online order thru XXXX for an XXXX refrigerator in the amount of {$2400.00} on XX/XX/XXXX using Lowe 's card handled by Synchrony Bank. Item arrived damaged on XX/XX/XXXX and never left the delivery truck as we refused it due to the damages. XXXX could not provide a timely delivery so we cancelled the order on XX/XX/XXXX and purchased the refrigerator from XXXX XXXX. XXXX has continued to bill for this undelivered/cancelled item and, after multiple disputes thru Synchrony Bank , will not credit the card for this item. When pressed for proof of delivery, XXXX has provided a signed form showing refrigerator loaded into delivery truck in NJ ( not our house ). And also provided a picture of " delivered refrigerator '' that shows someone else 's kitchen and a refrigerator that is not even the brand ordered ( XXXX ). Multiple conferences calls including XXXX and Synchrony resulted in XXXX verbally stating the item was not delivered to us and order was cancelled but they have no way of faxing this information to Synchrony and Synchrony requires this information in writing via fax. Again, this has gone on for 14 months and we have spent over 20 hours on the phone trying to resolve this.
Consumer complaint received 2022-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

I have gotten two students loans in the past from two school, one I graduated for the amount of {$20000.00} from XXXX. My school closed after one year. I was making payments to Navient. I got another student loans went to XXXX school from XXXX to XXXX, but I did not finished for the amount of {$16000.00}. I started paying that as well each month. Navient later offered income driven payment as my monthly payment was very high and I could not pay. I was making payments, Total amount in the system at Navient shown I owe total of {$33000.00}. I kept making payments under income driven payment. Pandemic showed up, I was in forbearance, I still decided to pay at least {$50.00} since then. Here we go recently Navient changed to XXXX XXXX, I made copies of all my loans before they transfer. I had one student loan from XXXXXXXX XXXX XXXXXXXX college back on XXXX for the amount of {$2000.00} and that was paid fully before Navient change to XXXX XXXX 

I am now looking at Navient website and they telling me I owe them {$1400.00} something $ $ $ and the rest of my loans has been transferred to XXXX XXXX for the total of {$29000.00} something ... Before Navient change to XXXX XXXX I was told I am eligible for student forgiveness since my school closed after I graduated. I did applied for Borrower defense and sent forms to them regarding that. I can not reach out to them and nobody answer the phone, nor chat lines to see what is my status on that! I contacted Navient regarding the {$1400.00} something $ $ $ and they are telling me is a commercial loans! I never took any other loans except federal loans and I thought all my loans was what transferred to XXXX XXXX. I have balance now in Navient for {$1400.00} $ $ $ which I do not know what that is, however I made payments before transfer and I also have balance in XXXX XXXX!! Navient did not transfer this amount and telling me it's commercial loans whatever .... I do not understand what it is! They are charging me for something extra and there is no evidence of anything.. I believe they are taking advantage and now XXXX XXXX is trying to take ADVANTAGE for sure on top. So this is really confusing and nobody can explain to me why all these loans keep transferring and all these money I paid all this times, my balance never went down, except going up!!!! I need an answer. I am NOT going make any payments to NONE of these companies no more until this resolved! 

This is fraud and nobody has a good explanation. I am sure I am eligible for my loans to be cancels and it better because I am not sure what are these extra charges!! I am NOT going to pay two loan companies and apply for income base for nothing as I did paid enough to them and they owe me money now. 

Please investigate and look into this as I am sure many getting ripped off by these companies. This is fraud. 

Please Advise! 

Thanks! 

XXXX
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (KY)

This is a response to my last complaint concerning Synchrony Bank who offered and gave me two credit cards, Amazon Store Card and American Eagle store card. At the time the offered me the card, I had additional cards, I had no real estate, I had a previous bankruptcy and they still offered me the card with limits of {$1400.00} and {$500.00} respectively. 
When I submitted my last complaint, Synchrony Bank called and left a number for me to call back ( with an extension ) and when I did, the voicemail was full and I wasn't allowed to leave a message and 30 minutes later, their response was given and my complaint was closed. I feel like it is an unfair response from Synchrony to say that the reasons for their taking my credit limit down to my current balance each time I pay a large amount are for reasons that were in place ( bankruptcy, no real estate, other credit accounts ) when they gave me the card. They are punishing me for things that I had/did n't have when they gave me the card and credit limit. Because they are taking my credit limit away when I pay down my account, they are in fact creating a problem ( that they say is the reason they reduced my credit limit ) which is that it makes it look like I have run my credit up on their card and takes points on my credit report! Synchrony Bank is part of the problem!
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC. (AZ)

Lender provided me with a Loan Estimate on XX/XX/28 and refused to honor the rate on the Loan Estimate when I asked them to lock it just XXXX minutes after receiving. The manager in the email chain indicated the Loan Estimate didn't have today 's rate on it, even though it was dated that day. They should be disclosing accurate information with the correct rates if that is the case.
Consumer complaint received 2022-02-02
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. (SC)

This vehicle is actually my daughter 's. I originally was only supposed to be a cosigner. The beginning of XXXX I got an alert from my credit monitoring that a late payment was reported. I immediately made contact with XXXX XXXX XXXX XXXX to find out what was going on. They informed me a payment was passed due XXXX days. They informed me I was the primary on the loan but they did not have my contact information. I made all the payments to get the loan back to current. I then asked well if I'm primary why have I not been contacted about the late payment? They had no actual answers and just kept referring me to other departments. These departments have no direct contact for me to explain my case. I've emailed them and was assured they would make steps to correct my problem. They then told me their investigation found that they reported correctly. ( they said this to my disputes with credit bureaus as well ) my problem is how can it be accurate reporting when they aren't willing to admit to the credit bureaus that they some how didn't contact me as the primary loan holder? I have been back and forth with them for going on XXXX months about this and all they keep saying is they won't do a courtesy with draw of the reported late payment. My position is I'm not asking for a courtesy. I'm asking them to correctly identify that they did not contact the primary loan holder when the payment was in danger of being late. I would like to have the late payment with drawn as it was there loss of my information that led to them not contacting me. If I am truly the primary the fact that they spoke to anyone but me was a mistake on their part. The credit bureaus have taken over XXXX points from my score over this and XXXX doesn't care that their mistake is causing me real life issues. I appreciate XXXX getting involved in assisting me with what very well seems like a violation of the fair credit reporting act. I say this because for them not admitting their clerical issue and that they never reported that part to the credit bureaus then they have not reported accurately.
Consumer complaint received 2022-02-03
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. (NY)

The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX, XXXX XXXX XXXX XXXX )
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments 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. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (NV)

XXXX bank has ruined my credit by not properly crediting my account XXXX. I have receipts where I've made cash payments inside the branch and my payments are still not being credited to my account. XXXX continues to charge me for late payments even when I'm not late. XXXX bank has reported me five times late starting in XX/XX/2021, XXXX kept advising me that my over-the-phone payments failed. when in fact my bank advised me that there was no attempt to withdraw funds from my bank account.from chase bank. Please see attached letter. I said I'll correct the problem by going inside the branch and making cash payments. XXXX has not been crediting my cash payments and has still been charging me late fees. Please see the attached cash payments made inside the branch for XXXX and XXXX but the remaining balance never change my XXXX XXXX XXXX payment was never updated. 

XXXX is also violating my consumer 's care act rights Sec.4021 & NCLC 'S Fair credit reporting rights. I proved I was affected by covied19 and needed XXXX XXXXo assist me with payment arrangements on my account, during that time my account was current. The cares act Sec 402 states if a lender finds a consumer is affected by covied19 and they assist their customer with financial help and the consumer is not behind prior to covid19 that lender can't report that consumer account late to the credit reporting agency ; s.and can't charge late fees. XXXX has been charging me late fees even when I'm on time with my payments.
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (OK)

I reported XXXX to the FTC and my debt was cleared and my membership cancelled. XXXX made unauthorized checking account withdrawals. The account ended in XX/XX/2019. Ive responded to the collectors as well as XXXX. XXXX agrees I do not owe. Collectors are still harassing me.
Consumer complaint received 2022-02-02
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. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX XXXX Account. The status is reporting late. I find that strange since I don't recall being late at all as all of my bills are on auto pay. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

ON XX/XX/2021 I submitted an application for a home refinance to Rocket Mortgage LLC. Adverse action was taken against me I received no benefit from this use of my social security card. I have been damaged by your refusal to grant my extension of credit.