davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I ordered what I believe to be XXXX XXXX merchandise from a company called Support-Biden through XXXX which is connected to my American Express XXXX AMEX XXXX Serve card in the amount of {$64.00}. This company fraudulently portrayed itself as XXXX so I thought I was purchasing merchandise that was supporting the XXXX campaign but in actuality this company is located in XXXX and none of the money goes to the XXXX campaign. Upon learning that this was not going towards the support of the XXXX campaign, I filed a dispute with XXXX and sent email to company on XX/XX/XXXX, demanding that they cancel order and refund my money. They referred me back to XXXX. XXXX stated that since I filed a dispute with Amex, they could not investigate. Amex denied thr claim. However, since I never received the merchandise, I filed a second dispute with Amex on XX/XX/XXXX for not receiving merchandise. On XX/XX/XXXX, I received an email from Amex requesting more information, I provided requested information on XX/XX/XXXX. On XX/XX/XXXX, I received an email from Amex, that my dispute had been denied. To date, I have not received the merchandise and when I click on the tracking number XXXX it says XXXX, CA, Delivered, Left with Individual. Only XXXX people live here and thats me and my XXXX old mom who does not answer the door. No package was left with either of us. On XX/XX/XXXX, I sent email to the company advising them that I have not received the merchandise nor a refund. I received an auto response referring me back to XXXX. It should be noted that XXXX has a long history of providing a platform for these fraudulent and trademark-infringing companies to operate and defraud thousands of honest hardworking Americans while XXXX looks the other way.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

Equifax had an address for me in California. 
XXXX had my birth year off by 5 years. 
XXXX  has an alias of XXXX XXXX. 
Someone had an address for me in XXXX  and XXXX. 

Incorrect payment history for XXXX across all credit bureaus. XXXX has stated 4 times to CFPB that everything is accurate. 
XXXX mortgage account number XXXX Are you mixing my account up with another XXXX? 
Is XXXX mixing my account with someone else and thats why they claim reporting is accurate? 

There are many inquiries that I have no idea where they came from. I have spent the last year contacting every creditor that has an inquiry and none of them will give me any information on why they authorized access to my credit report. The credit bureaus and creditors play tennis back and forth blaming each other.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (TN)

I applied for SAVE on XXXX through StudentLoans.gov for my servicer, Nelnet. ( My loans were formerly serviced by Great Lakes. ) The payment plan was not applied, so I used Nelnet 's online form to request assistance. I received an automated reply on XXXX that I would not be receiving a reply. I tried calling, but was not connected after hours of waiting. I applied again through StudentLoans.gov for the SAVE IDR plan on XXXX After reading online that many people needed to upload their tax return to Nelnet 's documents portal, I proactively uploaded my most recent return. My account was put into " administrative forbearance '' and continues to accrue interest. I have been asked three times to make a {$5.00} payment to finish enrollment in the plan, and have made the payment twice. Doubtful that making the payment a third time is going to do anything, I tried to call, got disconnected, have sent another submission through the online form, and am now creating this complaint. Nelnet 's inability to properly and promptly process the SAVE IDR requests is resulting in financial harm to me as interest accrues. The lack of accessible customer service is salt in the wound.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WASHINGTON FEDERAL BANK (CO)

On XX/XX/. I went to utilize the atm machine at Wafd bank, located at XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX. I took out a XXXX $ bill, and paid the XXXX $ atm fee. Like I have done 2 times a month, for the past 3 years. Using my XXXX $ bill for 1 load of laundry, I go into the branch to break the XXXX $ bill into XXXX XXXX $ bills. For the first time in 3 years, the teller asks me for my ID. So I provide it to her. As she is typing in information off my drivers license, I inform the teller, that Im breaking a XXXX $ that was dispensed from there atm machine, and that Im not applying for a loan or credit. She then stated that she has to capture this information for any money coming out of her tell. Which is not true, as Ive done this several times before. When she was done typing all the information from my drivers license, she then asked me for my social security number, I then told her Im absolutely not giving her that information to break a XXXX $ bill, and that we are done here. She said thats fine and gave me back my drivers license.
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (OH)

XXXX Bank through XXXX  does not offer consumers the ability to put their payments on auto-payment each month. You may only schedule one payment at a time by logging into their site each month to schedule. Despite repeated attempts to get them to add this feature, available by EVERY OTHER CREDIT CARD company in 2019, they will not allow it. I know that XXXX has the ability to do it because my card with XXXX XXXX XXXX allows me to auto-schedule my payments, but XXXX does not. I continually find myself forgetting to go in and schedule the payment, despite my phone reminders, and would appreciate it if they'd try a little harder to help their customers out to ensure that timely payment options are available. Every other bill I pay is paid automatically and it feels like XXXX deliberately doesn't allow this option so that they can rack up fees and late payments. Additionally, often times if I do remember late in the evening to log in and schedule the payment, they cutoff the payment deadline for the day around XXXX or XXXX XXXX so I still end up with a late fee.
Consumer complaint received 2021-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (NJ)

I was in a no contract gym memebrship. 

All gyms were closesed due to covid 19. Plus it was not safe enough. Gym was closed for 3 4 months and reopened with limited capacity. I couldnt go in. Lost 3 family memebers to covid. Called the gym and told them that to cancel the service and refund money they said they will but never did. They also agreed to cancel the account but now after 8 month they sed it to collection affe ting my credit. I called collection and the gym but they want me to make a credit dispute with the beareus. I want this off my account and all charges withdrawn.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

My reliacard account has been frozen since before XXXX. I have faxed everything I have to prove my identity. Customer service reps keep lying and telling me anything just to get me off the phone. I am facing eviction. I don't know what else to do. Please help!!!!
Consumer complaint received 2021-01-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE FARM BANK, FSB (NJ)

At the beginning of XX/XX/2018 I contacted State Farm to make an auto loan payment. It was too close to the payment due date for me to mail a payment in and State Farm 's online portal would not allow me to make a payment online. I then contacted them by phone to make the payment over the phone but the agent would not accept my payment. I was then forced to mail in the payment at which point State Farm reported a late payment on my credit.

State Farm made it incredibly difficult for me to make the payment on time and this should not have affected my credit due to their lack of ability to accept my payment.

I contacted State Farm on three different occasions directly to resolve this and they would not help and all agents I spoke to were either rude or unwilling to even try and resolve the issue. I used the credit agencies dispute process 1-2 times as well after that and State Farm still denied the claim and did not help.

I have 3 1/2 years of perfect payments on this account and this is the only payment that is showing late, so it should be clear that I pay this loan on time.
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Loan Cabin Inc. (CA)

Started refinance process XX/XX/2020. Loan officer XXXX XXXX ignored most emails and phone calls asking for interest rates and fees. Missed closing deadline by 4 months and counting. I have been told in writing every week since we would be closing within a few days. They have given me last conditions to close including closing my XXXX XXXX Home Equity Line of Credit. After completing this request, they ask for more documents, additional fees and to run my credit a second time. They have scheduled me for 5 notary meetings to sign the paperwork and then cancel one hour before the signing each time. 
I have proof in writing of multiple times a processor saying she completed something and it turning out to be a lie. 
I have email the XXXX XXXX XXXX on multiple occasions to escalate my complaint to compliance, only to have him block my email. 
Online searches reveal my problems are systemic with the company as many others have experienced similar issues.
Consumer complaint received 2021-01-14
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. (VA)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : Trans Union To Whom It May Concern, I sent a letter to Trans Union dated XX/XX/XXXX disputing an unauthorized inquiry as erroneous, and I have not received a response from them. They have NO proof I initiated such inquiry, nor written authorization, and have failed to provide any permissible purpose. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate the dispute. If they could not verify the information within 30 days, they should have deleted the disputed unauthorized inquiry from my report. 

I have frozen and suppressed All 3rd party information vendors since Summer 2020, including XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. TRANS UNION MUST VERIFY THIS UNAUTHORIZED INQUIRY DIRECTLY WITH THE COMPANY LISTED BELOW, NOT WITH 3RD PARTY DATA MINORS. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. The following inquiry is unauthorized : XXXX XXXX XXXX XXXX VIA XXXX  XXXX  Attached you will find copies of my 3rd party vendor proof of suppression and the demand to comply package sent to Trans Union. 

Sincerely,
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Since XX/XX/2020 I have requested XXXX to delete the account in question because of the wrongful reporting. XXXX is still reporting a Chargeoff account with a balance from XXXX XXXX XXXX. According to the FCRA there should be a {$0.00} dollar reported when the account has been sold to a collection agency. I have attached the invoice from the collection agency and my response letter to the collection agency.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Since XX/XX/2020 I have requested XXXX to delete the account in question because of the wrongful reporting. XXXX is still reporting a Chargeoff account with a balance from XXXX XXXX XXXX. According to the FCRA there should be a {$0.00} dollar reported when the account has been sold to a collection agency. I have attached the invoice from the collection agency and my response letter to the collection agency.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rhode Island Student Loan Authority (RI)

My debt for Rhode Island Student Loans was update as current even though i already past my statue of limitations. Collections was opened in XX/XX/XXXX, RISLA falsely updated as current in XX/XX/XXXXand XX/XX/XXXXof XX/XX/XXXXin order to re-age account. I never made a payment nor did i ever contact them so this is fraud.
Consumer complaint received 2021-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (GA)

My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
Consumer complaint received 2019-04-25
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. (IN)

I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX/XXXX  with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, XXXX was reporting an open date of XX/XX/XXXX for this account however Equifax was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Consumer complaint received 2023-06-28
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. (AZ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Offices of Quinn M. Kofford, P.C. (UT)

A law office attempting to collect a garnishment withholding from a terminated employee called our company 's general support number ( people who have no affiliation with HR or Finance at all ) and asked to be put through to Payroll. Our agent suggested that they reach out to us at our email and they refused, stating " I guess we will just pull the company into court. '' The woman who was attempting to collect the debt even recited the finance number in the attached recording, stating that " We had not returned her calls '' which is a blatant falsehood. Finance reached out almost immediately after the first call and left a message asking for a call back and did not receive one until almost two weeks later on a day when the finance department was unmanned. 

After calling the day after, the agent again threatened legal action without prior notice over the phone. I'm sure the law office will have records of these calls.
Consumer complaint received 2017-11-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

I closed on a refinance on XXXX XXXX The amount of new loan is signed off as {$160000.00} Total closing cost was {$3400.00} Closing cost paid before closing {$10.00} Total payoffs and payments = {$130000.00} Credit card # 1. {$6100.00} Credit card # 2.  {$22000.00} Credit card # 3. {$6100.00} Credit card # 4. {$5500.00} LoanDepot mtg {$99000.00} Total payoff/payments = {$130000.00} Cash to close is signed off as {$21000.00} I only received by wire first {$670000.00} and about a week later {$14000.00} which totals = {$21000.00} I am missing {$430.00} as it is signed off. 
I was sending numerous emails stating the money was short {$430.00} I was then told they paid my property taxes which are as mailed to me {$1000.00} if mailed by XXXX XXXX. Then Loan Depot told me they increased my property tax payment by 10 % as they can do that they stated? 
Why is that? And what does that have to do with money missing on signed off loan? As my Mortage company Loan Depot is also my escrow agent, can they do that? And what about the extra principal $ $ $ I have been paying on old loan?
Consumer complaint received 2019-04-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CO)

In XX/XX/XXXX, I suffered a property loss to my residence that necessitated repairs of less than $ XXXX. Over the last 6 months, I have successfully and without incident retained a contractor and resolved and closed the claim with both participating insurers. However, a small portion ( ~ $ XXXX ) of the Insurance payment is considered 'controlled ' and requires my Mortgage holder to endorse alongside myself. 

I am currently re-submitting paperwork for the 3rd time to Roundpoint Mortgage Servicing to authorize and close the claim with them. They already hold the check that was endorsed and delivered per their stated requirements, but they have provided faulty information regarding the necessary Notarization of the paperwork on 2 separate occasions that has significantly delayed the process. They are currently refusing to accept properly notarized paperwork because my contractor prepared it in advance, and now I am obliged to spend multiple hours resolving this - again - just to get the funds returned so I can pay an outstanding invoice more than 90 days after it was issued.