davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-25
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: SYNCHRONY FINANCIAL (FL)

I have a TJX Reward Card through SYNCB. Around XX/XX/2018 there is a transaction from a Vendor by the name of XXXX XXXX XXXX. I have contacted SYNCB TJX Rewards fraudulent dispute department advising them of that fraudulent charge. They said ok we are going to replace your card and dont worry you will not be responsible for that charge. About three months later I received a letter from their investigation dispute department and it said that the dispute was in my favor and the good news was that charge never posted to your account. Since then I have contacted them to advise that upon receiving the past statements that they did post the charge for around {$890.00} or around {$900.00}. Since then I have yet to receive any credit for the fraudulent charge.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I filed a complaint on XX/XX/2020 to remove all the inaccurate addresses and telephone numbers and hard inquires from companies that I had never done business with it's been 30 days and they still have yet to remove them. My name is mispelled 12 times on the report that XXXX  sent recently this is affecting me from buying a house. I have provided the addresses in the document section and the hard inquires from unknown and inaccurate information. 
The following companies I have never done business with 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 2020-10-25
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)

I have been trying to get access to my locked reliacard  account for over a week and sent in all documents for verification of my identity, I have talked with supervisors and emailed over and over with no resolution. This is my unemployment money and all I have to live on I live in a hotel and was not able to pay the fee I am now homeless, my cell phone is off, I dont own a vehicle. This card was locked and I was not even using. No one can help me at all when I call and they dont know anything. I need my money please.
Consumer complaint received 2020-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF THE WEST (CA)

I closed my Bank of the West account and they still processed an reoccurring scheduled transfer after my account was closed. Shouldn't all pending transfers be cancelled after the account is closed? I received an email from Bank of the West stating for external fund transfers to contact my external financial institution. I contacted XXXX today and they told me either I can file a claim. Bank of the West needs to fix this process, I should not be asking XXXX to fix their problem. They should have rejected the ACH if they noticed the account was closed. They should not have processed any transfer since the account was closed and they should be remitting the funds back since my account was closed. I should be making all these calls to fix their problem. The Transfer # XXXX
Consumer complaint received 2020-10-25
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: Experian Information Solutions Inc. (NE)

XXXX XXXX XXXX is reporting an inaccurate collection account on my credit report in the amount of {$19000.00}. This is not my account and I have disputed this account several times with the credit bureaus and the creditor. XXXX XXXX XXXX agreed to a settlement agreement of over {$550.00} million dollars in relief to consumers as well as well as deficiency waivers.
Consumer complaint received 2020-10-25
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. (MI)

This would be the third letter I have sent to this company on XX/XX/2020 with no solution or result. The information on my credit report are inaccurate questionable, and are incorrect. It is to my understanding the under the FCRA that all information on your credit report has be 100 percent accurate. They are not. Again, these accounts are inaccurate, questionable and unverifiable. The investigation has been going on for more that 60 days and no results.This is another violation. It is to my understanding that credit report bureaus have 30-45 days to respond to a consumer complaint which they have not. I am stressed because of this bureaus mistakes I have not be able to obtain an y new credit or establish any new relations. Please take action.
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Good afternoon I'm writing in reference to a closed account on my credit report from Capital One. I am a victim of identity Theft and I disputed the said account with all three bureaus and XX/XX/XXXX is the only bureau who has still not removed. I've disputed this account four months ago, and I'm assuming thatXX/XX/XXXX refuses to remove it, now I am coming to you all to help resolve this problem. What would be a fair resolution to this issue, I want this removed from my credit report.
Consumer complaint received 2020-10-25
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. (MI)

On XX/XX/2020 I will have sent my now third letter to this company without the instructed results. The information on my credit report is inaccurate and in-accordance with the FCRA everything on a consumer report must be accurate. Because of theses inaccuracies in has restricted me from obtain new credit and establishing new relationships which have has caused me stress and innocence.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX  XXXX XXXX XXXX The account is reflecting an Unknown Status. The Account should reflect a XXXX  balance. Also the Credit Report is stating that I was late in XX/XX/XXXX, XXXX of XXXX, and XX/XX/XXXX. 
This account was never late. I was placed on an FHA INSURED LOAN MODICATION PLAN THAT INCLUDED THE FOLLOWING DATE XX/XX/XXXX, XXXX of XXXX, and XX/XX/XXXX. The FHA plan started from XX/XX/XXXX and renew the plan on XX/XX/XXXX. I ATTACHED A LETTER from XXXX XXXX XXXX of the INFORMATION TO SUBSTAIN BY ENVIDENCE THAT THE LOAN WAS NEVER LATE. 
Please remove late status from my XXXX Credit Report. 
Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2020-10-25
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (OH)

In XX/XX/2017 I contacted my mortgage company US Bank and informed them that I was unemployed and to get help so I wouldn't loose my home they put me on an forbearance and it took them over a month to contact me back and set me up with a caseworker, I got a job XX/XX/2017 working for the XXXX XXXX XXXX was put on repayment plan paid back every XXXX making double payments paid it off a month early. But they reported to all credit bureau 's that I was late every month I was on forbearance including while I was waiting to get a worker to get everything set up while I was working with then for help and now I need repairs and wanted to do upgrades on my home but no one will give me a loan because they have 7 late charges on my credit reports. Please help banks shouldn't be allowed to do this when a person on forbearance. My credit score is good but this hurting my chances with loans I have been turned down twice because of this I have XXXX of equity in my home and can't get an home equity loan or personal loan because of this please help. Thank you.
Consumer complaint received 2018-08-02
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. (CO)

I recently reviewed my XXXX consumer credit report and discover a company calling itself XXXX XXXX reporting a negative account on my report. I have no knowledge of doing business or signing a contract with XXXX XXXX. This willful and negligence action is causing harm to my credit score.
Consumer complaint received 2018-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-08-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: eMoneyUSA Holdings, LLC (TX)

I have gotten into a financial mess, I admit that. Too many loans to handle. I contacted XXXX XXXX XXXX and I am trying to manage this problem. They sent out a communication to all the lenders with whom I have accounts. These were sent electronically so they were received immediately. This was notice that I was revoking ACH authorization. This was on XX/XX/2018. On XX/XX/2018, EMoney USA proceeded to withdraw a payment from my account anyway. Fortunately it did not overdraw my account and my bank returned the payment with a stop payment order. Is this legal?
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I filed a complaint on XX/XX/2020 to remove all the inaccurate addresses and telephone numbers and hard inquires from companies that I had never done business with it's been 30 days and they still have yet to remove them. My name is mispelled 12 times on the report that Experian sent recently this is affecting me from buying a house. I have provided the addresses in the document section and the hard inquires from unknown and inaccurate information. 
The following companies I have never done business with 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 2018-08-02
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. (CA)

I have tried repeatedly to have Equifax update my personal information as well update my creditor account information. Equifax has continually refused to do this. They insist that they have the information that is being reported by my creditors. I have informed them that they do not have the correct information and that I know my creditors have sent updated information. The information they are reporting is 7 months old, well past the 90 days it should take them to update information from lenders. They are still showing two accounts, which my name is no longer associated with, as being open and they are showing an incorrect balance on a third account. In addition, I have asked them to update my new legal name to match the name on my social security card, drivers license, and credit cards. Again Equifax is refusing to do this claiming that they can't prove my identity when I have answered every question they have asked. I'm sure had they updated my information from the lenders at some point in the past 7 months they would have discovered that my lenders have the new legal name already.
Consumer complaint received 2018-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AR)

On XXXX XXXX, XXXX we requested to the removal of PMI payments. We were told we had not quite made it to 80 % of the loan at this time. This was told to us by a rep as we had to call to find out their answer and a letter sent by ditech. 

We reevaluated our ratio and on XX/XX/XXXX and called to see what instructions we would need to request this again. The rep told us we met the XX/XX/XXXX ratio in XX/XX/XXXX. We followed the directions and sent another letter asking again to remove the PMI payments. They have no one you can talk to other than submitting in writing. We received a response on XX/XX/XXXX denying the request. 

We sent a response back on XX/XX/XXXX to refute their decision as this loan is a conventional loan originating with XXXX which was bought by ditech. Per the homeowner 's act of XXXX we should be eligible. ditech is telling us we have to meet 70 % or loess of current value of the property. Further stated when I called ditech yesterday ( XX/XX/XXXX ) I asked the rep to tell me where it states in XXXX XXXX that this is a requirement as he stated. He could not and said he would have to defer my issue/concern to someone else who should be calling in 1 - 3 days. 

We have made our payments in the last ten years all on time. Per the HPA we meet the requirements. 

Ditech did offer for us to pay for an appraisal but we are under the 80 %.
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

There was a duplicate refund issued by XXXX, but later XXXX said they fixed it, but now my prepaid Visa gift card issued by US Bank is still unusable.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICA FIRST FEDERAL CREDIT UNION (FL)

15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries AFFIDAVIT Notice, it is a fact, XXXX is aware, THOSE inquiry ARE unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). REMOVE INQUIRIES BEFORE I take legal ACTION
Consumer complaint received 2020-10-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WA)

XXXX  XXXX XXXX did not remove a 30 and 60 day late payment on my credit history. The banks online payment system didnt process my payment then didnt notify me that my payment wasnt processed. My account hadnt missed a payment in almost 3 years. So it was out of character for my payment to go unpaid. I have spoke with XXXX  they had originally agreed to remove the delinquency.
Consumer complaint received 2020-10-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (CA)

Dear CFPB, Attached you will find a Qualified Written Request, Complaint and Validation of Debt Letter and Truth in Lending ( TILA ), RESPA Request I sent Shellpoint Mortgage Servicing on XX/XX/2020, served certified mail. 

There have been numerous instruments and documents recorded on my property XXXX XXXX XXXX XXXX XXXX CA XXXX, at the XXXX XXXX County Recorders Officewithout my consent, from many Entities unknown to me. As of today I have not received a response back from Shellpoint to my demand letter. I hope now that I'm reporting this complaint to you, CFPB, Shellpoint will come with clean hands and provide documented proof to validate the alleged debt and to answer to the QWR, TILA and Debt Validation from someone with first hand knowledge, authority and under penalty of perjury. 

respectfully, XXXX XXXX XXXX XXXX POA
Consumer complaint received 2020-10-25
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. (CA)

I have already disputed this account with experian and they refuse to remove it even though I have shown proof that this account is not suppose to be showing on my credit file any longer. I reached out to these bureaus back in may and sparked an investigation. This account has already been removed from 2 of these credit bureaus and experian refuse to provide documentation to verify how and why they are still reported this account. It is my understanding that all three bureaus are to report the same information once an account is reported other wise it is inaccurate and must be deleted from the repository. These accounts were already requested and removed from XXXX  and XXXX  and they need to be removed from experian as well.
Consumer complaint received 2020-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

Back in late XXXX early XXXX I placed a furniture order with XXXX XXXX. I was notified several times of the products shipping being delayed. I had planned a trip out of the country but unluckily they called the day before my departure to let me know the product was finally ready for delivery. I called XXXX XXXX the same day to notify them that I had planned to leave the country. They advised me to call the delivery warehouse direct. I did so but was not successful getting someone on the line. I proceeded to leave for my trip to XXXX as planned the next day. Unfortunately while I was in XXXX I had learned I was XXXX  and immediately had complications. I have been a XXXX sufferer of XXXX most of my life and have never been able to carry. I was put on bed rest due to a XXXX XXXX. I suffered XXXX  and XXXX XXXX throughout my entire XXXX you see and did not have the capacity to deal with XXXX XXXX at the time. After I was finally allowed to return back to my country and had recovered physically and emotionally I tried to reach out to XXXX XXXX to explain the situation. I wrote their corporate office as well and did not receive a response. Whomever I did speak to eventually opened a dispute. I guess someone determined store credit was sufficient. I obviously do not feel the same. If XXXX XXXX did not delay their shipping numerous times there would have been no issue. This has been reporting with all the credit bureaus and is keeping me from buying a home. I am not obligated to pay this debt and XXXX XXXX is lacking serious integrity by reporting this with the bureaus. They have not lost anything as I was never delivered the furniture while I suffered a tremendous loss and now I am being held accountable for goods I did not even receive. The debt company is working with me to try and resolve this as even they are sympathetic to my situation. Please help me resolve this once and for all. In order to hold me accountable for this debt they should have to furnish proof of delivery. they can not do that since I did not receive the furniture.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am having some issues with my credit report with Items on it the are not mine. Its possibly fraud. I would like to have a copy of my credit report. I am disputing the follow account they are not mines : XXXX XXXX   BAL : {$1100.00} XXXX XXXX 30 DAYS LATE. 
I HAVE NEVER OPEN ANY ACCOUNTS WITH XXXX XXXX XXXX FOR ANY BUSINESS PLEASE DELETE OR BLOCK THIS ACCOUNT.605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ]
Consumer complaint received 2020-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/XXXX made a purchase for a XXXX scooter it seemed like a good deal at XXXX actually exactally XXXX. 
I got nervous because it seemed too cheap especially with free shipping for a scooter which weighs 26 lbs. so I XXXX the website. Where I found that a lot of people were scammed from this site. It was about XXXX. But I immedently went through the process of trying to dispute the charge. I started with PayPal because they facilitated the payment although I didnt log into PayPal I checked out as a guest. Then I started a dispute with the XXXX XXXX  people that is the digital and physical card that I have that I used to buy this scooter. I realized I had to wait til the next day. Anyway Im in contact with both them trying to get something done and receiving no response from the merchant at all. I looked up the number on the website. It was an international number but still it was disconnected. And emails to the merchant with nothing just a receipt it was obvious I was scammed and was never to recieve a scooter. Never got a tracking number. Until about two weeks later I received an email from the website I purchased the scooter giving me a track number which said my package was delivered less than 24 hours after I purchased it. And XXXX said it weighed 11lbs. This is shocking and untrue. I filed a complaint with ups. And even though I gave them being the XXXX XXXX  customer service XXXX and several representatives from PayPal irrefutable evidence of my case. I have links and screenshots and testimony from other people online ripped off by this website and i will give it you. And also representatives for PayPal telling be how they see these scams a lot and gave me an explanation of how this site was able to pull it off. But PayPal didnt really want to work with me because i checked out as a guest and must not have looked at the evidence I submitted which showed by ups that there was no package. I have all of this documented my claim denied. I dont have a lot of money or time Iam ill but willing to fight for myself in this. I dont know if 100 is even enough to report through this channel but I need to try something I researched it and that led me here. The website is XXXX then ripped me off and the institutions i went for help in this denied me.