davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

This is a new complaint and not a duplicate. 

On XX/XX/XXXX Caliber sent me the attached letter and payment history clearly stating that on XX/XX/XXXX I had {$2100.00} ( $ XXXX+ $ XXXX+ {$100.00} ) in my account and they failed to post it as a post-petition payment on my account. This triggered a lift of the automatic stay of my Bankruptcy which has made me incurr in additional Attorney fees and costs, economic and non-economic damages, and punitive damages. 

According to the recent XXXX ruling on XX/XX/XXXX in XXXX, Illinois at the XXXX XXXX XXXX United States Court House, XXXX XXXX was awarded {$500000.00} in compensatory damages, {$70000.00} in non-economic damages, {$12000.00} in economic damages and {>= $1,000,000} in punitive damages. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. led the litigation team on behalf of XXXX. 

My case is very similar in that in XXXX encountered financial troubles and defaulted on the loan in late XX/XX/XXXX. In early XX/XX/XXXX, XXXX XXXX attempted to foreclose on the property. XXXX filed a Chapter XXXX bankruptcy in order to stop a foreclosure and to catch up on the mortgage arrears on her residence. The plan of reorganization was confirmed by the court and XXXX began to make both her contractual mortgage payments along with her Chapter XXXX plan payments. XXXX 's mortgage loan was serviced by XXXX XXXX XXXX for XXXX XXXX until XXXX XXXX transferred the servicing rights to XXXX in XX/XX/XXXX. XXXX made all of her plan payments through the Chapter XXXX trustee and made every single mortgage payment directly to XXXX XXXX XXXX ( XXXX XXXX ) and subsequently to XXXX once XXXX took over servicing rights. 

The jury, after deliberating for approximately 7 hours, determined that XXXX breached its contract, violated RESPA for failing to adequately respond to XXXX 's Qualified Written Request, violated the FDCPA and committed both unfair and deceptive acts in violation of the Illinois Consumer Fraud Act. XXXX XXXX was awarded {$500000.00} in compensatory damages, {$70000.00} in non-economic damages, {$12000.00} in economic damages and {>= $1,000,000} in punitive damages. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. led the litigation team on behalf of XXXX.
Consumer complaint received 2023-01-03
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-03
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. (FL)

I have sent out a letter to Experian on XX/XX/2022 regarding some inaccuracies I found on my credit report with the following accounts. I have not received anything from them and would like the following accounts removed as it is hurting my credit score significantly XXXX XXXX XXXX Case Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Below is the letter I have sent them along with proof of ID and residency
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I checked my credit report and it was a bankruptcy on it and i sent a letter and called XXXX, Equifax and XXXX and they all said it was verified through the courts. So i contacted the Bankruptcy Court and the reply was they don't give information to 3rd party groups. So i sent letter to XXXX XXXX and all 3 credit bureaus as you can see in the attached document below XXXX XXXX removed it and courts continue to say verified through courts.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I checked my credit report and it was a bankruptcy on it and i sent a letter and called XXXX, XXXX and Experian and they all said it was verified through the courts. So i contacted the XXXX XXXXXXXX and the reply was they don't give information to 3rd party groups. So i sent letter to XXXX XXXX and all 3 credit bureaus as you can see in the attached document below XXXX XXXX removed it and courts continue to say verified through courts.
Consumer complaint received 2018-04-12
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Debt Recovery Solutions, LLC (PA)

I called Debt Recovery Soloutions spoke to a XXXX was offered a settlement on my debt with a debt i had from XXXX from 5 or 6 years ago for the amount of XXXX. i sent two payments from my checking account one for XXXX which cleared my bank from the creditor on XX/XX/XXXX check # XXXX and another for XXXX check # XXXX which cleared my bank on XX/XX/XXXX i called the company to see if they recieved my payment since it shows it was cashed through my bank and the answer i recieved is no, they don't have my money even though they cashed my checks an my payments have not posted as far as there concerned, i called my bank to see if i can dispute these transactions since the company is stating they dont have my money i was told no since the company has recieved payment an checks have been cashed i can not be credited or get my money back, I spoke to a XXXX XXXX who is supposebly the Vice president of client services for Debt recovery solutions and i was told that this would be looked into and i haven't heard anything back the only thing i can think of is maybe someone at the company pocketed my money or posting error i have no clue but there is XXXX of my money that was cashed but yet not credited an company states they have no record of my money. Also upset with XXXX XXXX serve for not crediting my account bank and looking further into dispute for me
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I checked my credit report and it was a bankruptcy on it and i sent a letter and called Transunion, XXXX and XXXX and they all said it was verified through the courts. So i contacted the Bankruptcy Court and the reply was they don't give information to 3rd party groups. So i sent letter to XXXX XXXX and all 3 credit bureaus as you can see in the attached document below XXXX XXXX removed it and courts continue to say verified through courts.
Consumer complaint received 2023-01-30
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)

n accordance with the fair credit reporting act XXXX XXXX XXXX credit # XXXX, has violated my rights 15 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 an account without my written instruction.
Consumer complaint received 2023-01-27
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. (NM)

Hello, I sent XXXX, XXXX, and Equifax letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them in a pdf. 

They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. 

I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in red pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. 

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2017-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NC)

In XX/XX/XXXX, I was charged {$90.00} in fees but after speaking with the mortgage company twice, no one can tell me what they are for except to say that it is late fees from XX/XX/XXXX or XX/XX/XXXX. In XX/XX/XXXX, I have been charged {$340.00} in fees and can not figure out what these fees are for. My statement shows only " fees '' - no explanation as to what the fee is for.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

Equifax has a dispute stuck open on pending for three months now can u plz have them close the dispute the dispute number is XXXX plz have them close to is dispute thank u
Consumer complaint received 2024-06-21
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MN)

I purchased some clothing for my birthday at our local XXXX store in XXXX. I had not used this card in a very long time, I have XXXX and XXXX and naturally forget a lot of things. In XXXX when the bill came, I opened and noticed that it was due XX/XX/year>, the day that I opened was XX/XX/year>. I called immediately and spoke with a customer service representative and explained the situation and she stated that she could reduce the late fee to {$15.00} but was unable to completely remove the late fee for XXXX days late. I asked if I paid the balance in full if there was anything they could do and she said they were unable to make any adjustments. So I asked her what was the balance and she stated {$120.00}, and I asked if that would be paid in full and she said yes. So I paid the full balance on XX/XX/year>. I did not think to look at the statement again because I had paid it in full and did not expect any other bill as I had not charged anymore on the card and the balance had been paid in full. I noticed in XXXX that I had received another statement and when I opened I saw that I now had {$60.00} in late fees applied to my card. I called a spoke with XXXX different employees and both were very unwilling to do anything to help me. I again explained the situation and how I had paid it off and both of them just kept repeating that I had late fees due. I do not understand when you call and ask what your balance is and they tell an amount and you pay that amount how you can still be charged more late fees on a XXXX balance. I have had this card for almost XXXX years and have never not paid it. I believe the late charges are excessive since I do not carry a balance on this card anymore. I would like them to be removed from the account. I did receive XXXX more phone call recently about this, and they are still asking for the {$60.00} in late fees for a bill that was XXXX days late and paid in full as soon as it was noticed,. Thank you for any consideration.
Consumer complaint received 2023-02-15
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: CITIBANK, N.A. (CA)

I ordered the XXXX album and instead I received a movie in the mail on XX/XX/XXXX. I purchased the album for {$39.00}. I sent an email to the merchant : horrormerch.com and got an automated response saying they will contact me and never did. I filed a dispute with my credit card company and they still demand more information on the dispute after I fully explained what happened and they reversed the credit that I was entitled to. XXXX sent a fake shipping label to the credit card company claiming it was them who sent the item, whereas in real time I had no clue as to whom it is from. There was no return company name or anything on the package. The credit card company is deceptive -- stated they would close the case on XX/XX/XXXX and did not. I attached documentation to support my case. It includes a letter I sent to citi credit card company and still they refused to close the case fairly and in a timely manner.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

Subject : Urgent Action Required : Inaccurate Credit Reporting and Legal Violations To Whom It May Concern, I am writing to urgently address significant inaccuracies in my credit reports. These inaccuracies have persisted despite my efforts to correct them, necessitating immediate intervention to align with the Fair Credit Reporting Act ( FCRA ), particularly under sections 1681i and 1681s-2, which mandate the correction of any errors and the removal of fraudulent information promptly. My credit profile currently lists several accounts and inquiries that I categorically state are fraudulent. These include accounts w
ith XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others, as well as numerous unauthorized credit inquiries across various financial institutions. The presence of these items on my credit report is severely damaging my financial reputation and causing substantial distress and economic impact. 

The FCRA provides that consumers have the right to have accurate information on their credit reports and that credit bureaus must correct any inaccuracies once notified ( 15 U.S.C. 1681i ). Moreover, entities that furnish information to credit bureaus have legal obligations under FCRA Section 1681s-2 to investigate disputes and correct inaccuracies. 

This letter serves as a formal demand for the immediate investigation and removal of these fraudulent entries from my credit reports in compliance with the FCRA. Failure to comply with this demand could result in actions for damages under FCRA Section 1681n and 1681o, which provide for legal remedies for willful and negligent noncompliance. 

Moreover, I am considering forwarding this matter to the Consumer Financial Protection Bureau and the Federal Trade Commission for further action, including potential investigations into the practices of the credit reporting agencies involved. 

Please note that any failure to resolve this matter promptly will compel me to pursue all available legal remedies, including but not limited to litigation. 

I expect a response to this letter and a resolution to these issues by [ specified date ], after which I will proceed with further actions if necessary. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (CA)

Several Crypto.com transactions were reported for chargeback during XXXX. On XX/XX/XXXX, my bankers notified me that the chargebacks were dismissed and drop because Crypto.com provided evidence that they issued cryptocurrency for the amounts listed, which is partially truthful. This isn't regarding the cryptocurrency they did not give me, this is regarding the funds they've locked on my account because they insist an active chargeback exists, but that is categorically false since XXXX XXXXIve provided the requested documentation showing the reversal of charges from my bank after I had to wait until the month of XXXX was over to show them the statement, however since XX/XX/XXXX, they've stalled day after day while my assets locked in their system as cryptocurrency lose more and more value and every couple of days they inform me that they are still reviewing a simple 7 transactions which XXXX XXXX and XXXX have confirmed DO NOT have an active chargeback status since XX/XX/XXXX.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

On XXXX XX/XX/year> I call Chime to dispute XXXX unauthorized transaction totaling {$890.00} the dispute # XXXX was deny on XX/XX/year> no reason in email. I called to re openly my dispute on XX/XX/year> my claim was reopen claim # XXXX. They asked to provide any supporting document to support my claim so I provided a copy of the official letter from another debit card that I dispute the unauthorized charge on the same XX/XX/year> from the same merchant that I did not authorize thebcharge and they gave me back my money. XX/XX/year> received second deny email from Chime with not reason why the deny. Called Chime @ XXXX XXXX on XX/XX/year> and re open my XXXX dispute # XXXX. Requesting a full refund totalling {$890.00}
Consumer complaint received 2023-01-19
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 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 2024-06-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

Purchased vanillagift.com-branded XXXX debit product XX/XX/year>. Card was declined multiple times at online vendor using XXXX payment processing. The card was also never recognized by the company 's own website XXXX, and neither the status nor balance of the card could ever be validated. 

Called customer support XX/XX/year>. Agent attempted misdirection and misinformation about the product and its status multiple times. Eventually resorted to re-attempting both the original purchase as well as logging into XXXX for card balance query, live while on the phone with the agent. Both attempts again failed, after being assured card was now 'active '. 

Agent agreed to process a refund. Case number provide : XXXX. XXXX indicated XXXX weeks for XXXX delivery of refund check ( from XX/XX/year> ). 

Still have not received a refund ( XX/XX/year> ).
Consumer complaint received 2024-06-19
Product: Credit 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. (GA)

Someone compromised my Best Buy account and changed my password address and phone number Best Buy notified me by email. A {$900.00} drone was purchased and send to their address. Best Buy did a investigation and send me the tracking address where the item was delivered to XXXX XXXX XXXX XXXX XXXX Tx. XXXX. My address XXXX XXXX XXXX XXXX XXXX. I don't know anybody in Texas. I have the documents uploaded. After the investigation, they said that they delivered the item to me. and I was responsible for paying for an item I never received
Consumer complaint received 2024-06-19
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

I have an XXXX branded card through Synchrony bank. Four days ago my card was just over it's credit limit of {$1500.00} so I made a payment of {$1500.00}. Now the bank is saying because it was a large payment it is suspicious so they are going to wait a total of 9 days before actually reflecting the payment on my available balance. So the money is no longer in my checking account, but I can't use the credit card, so I can't buy necessary items. They are completely unwilling to make any exception. Their proposed solution in the future is to make multiple, smaller payments, spread out over several weeks. That sounds like a scam designed to generate more interest payments for them. 

I honestly feel like this is deliberate, predatory behavior.