davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (OR)

I was victim of identity theft, on XX/XX/2022, and the charges were disputed and ruled in my favor. The controller of Apple Credit Card, needs to do an administrative entry to get my balance to be XXXX dollars, instead of {$2800.00}. Ive called over 30 times in past 8 months, yet nothing gets done. Everyone just sends an email. App, e credit card has shown no sense of urgency to resolve the issue, and my credit score went from XXXX to XXXX, marginal. 

I cant move because I will not qualify for a place to live with this credit score. I am desperate for you to fine them for inaccurate reporting, or I will be homeless. Thank you for your help.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (TX)

Payment of {$70.00} was made on XXXX to bring my account current for the XX/XX/XXXX payment date. I was charged a late fee on XX/XX/XXXX which put me over the limit. 
The company stated I made my payment too early so it charged me a late fee. I requested the fee to be waived and they refused.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$440.00}.
Consumer complaint received 2023-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC. (TX)

Sofi Bank is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AR)

On XXXX XXXX, I made a purchase from a auction for XXXX. I ended up getting sick and put in the hospital. The man who runs the auction text me while in the saying he didn't want anyone to steal my things so he would drop my things off at my home if someone was there. I said yes it is he delivered the stuff to someone else home. I texted him and asked where was my stuff. He said he deliver to XXXX I said that is not my address mines is XXXX I said I gave you the correct address. He said he would go to the house I went also the people live there said they don't have it. I asked the man for my money back. He refused I notified my bank and sent the messages showing he did not give me my stuff. My bank refusing to give me back my money also. If products and goods not received I deserve a refund. Please help me
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I have been charged {$14.00} from Experian for a credit report for several months. I never signed up for this paid subscription service. I spoke to an Experian representative over the phone and they said they can not cancel the subscription as it does not appear on my account. Nevertheless, I have been charged for a subscription I never signed up for.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XXXX I was informed by a Company that was investigating Capital One and they were adamant on me Not making anymore Payments to Capital One. 
" I'm sorry that I do not remember the name '' I do remember being a little hesitant so my husband and I look into article reading, news searching and looking up this Company that contacted me. After much research, we found that Capital One was in a type of Cyber Activity and I was effected. So I did contact Capital One and received No info on anything! I stopped paying as I was prompted to do by this Company. Capital One did send me a email payment reminder and I never heard anything else, I have received credit card offers but No acct information. When I logged on Capital One app, it had/ has No account information at all such as amount due, past due, risk of collections ECT. I Do pay bills but I really try not to create bills I'd rather pay cash for things. So XX/XX/XXXX Out Of Know Where I recieved a Civil Court Notice from my local Judicial System " I unfortunately know all Judges well as I am Property Investment Owner '' I place the Court letter in office waiting for Capital One to open phone lines. My husband not remembering this situation from XXXX, calls the law firm on court paper and he pays in full. My husband doesn't have a clue what this is about but " we '' never want our name in a negative way in the court system so I come home and I'm being asked what is this debt? He's concerned not knowing what's going on and I'm a bit confused about it so I try calling with a high demand in calls, I was # 18 on wait! Know one answered after holding on speaker phone for more than 20 min. I tried multiple times to email them, haven't heard anything, I have sent " feedbacks '' multiple times with No response, I have disputed this non sense on credit report numerous times in numerous different categories and that hasn't changed. I received a email on XX/XX/XXXX cc : Payment Plan to Capital One and my private attorney informed us not to participate in this since we have No account number, balance or any information.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have sent several letters explaining that I do not work for XXXX or XXXX XXXX. Please remove any employer on my credit report. Im currently unemployed and not working for anyone. Please remove ASAP per FCRA.
Consumer complaint received 2023-09-14
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. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-06-20
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: CLGF Holdco 1, LLC (NC)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account without any written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

US Auto has went out of business and werent paying the warranty amongst many other things. Transfered my loan to a debt collector. Havent been registered in the state of Ga to sell cars for some years now and did in house financing as well
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter out to Transunion, XXXX and XXXX on XXXX XXXX However its been more than 30 days and they havent sent me the investgation According to the law 15 usc 1681 they should conduct a investgation to see if its accurate or inaccurate withun 30 days or the account should be deleted.
Consumer complaint received 2022-12-08
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. (SC)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Balance : {$83000.00} ; 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 XXXX XXXX XXXX XXXX ;
Consumer complaint received 2024-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (ME)

I have tried desperately just to get a billing statement from MOHELA for my taxes. I called the customer service number that MOHELA lists XXXX times on XX/XX/13, in addition to all of the other numbers that are listed. 

Customer service : XXXX XXXX XXXX XXXX - 4 times I got a message from my phone carrier that the call simply can't be completed - 1 times I was hung up on mid prerecorded message. 
- The last time I magically managed to get through. They kept me on hold to XXXXhe point where I couldn't wait any longer because I had to go back to a meeting. I repeat- I spent XXXX hours trying to get in contact. 

International numbers listed, among others : XXXX times the call simply would not connect. 

It is nearly impossible to be transferred to a person. When you do, there are astronomical wait times. 

All times that the call just wasn't outright denied, there were XXXX minutes of prerecorded, unhelpful XXXX to listen to. I'm disgusted with their customer service. Something needs to be rectified immediately, or the company should be shut down entirely. 

All I wanted was a billing statement that should have been provided on the website to begin with.
Consumer complaint received 2023-09-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I apply for a mortgage loan thru a broker with XXXX XXXX which is working with Carrington Mortgage. I applied for 10 % down payment which they approve and been working on for the past 60 days, However I was told and received a new disclosure after signing and submitting the closing disclosure which ( 3 ) had been signed already. First the broker contacted me and stated the lender is changing terms on your contract theyre not able to do your loan at the rate approved. So I asked are there documents needed or not accepted. He stated no. I stated are there breaching their own contract? He said yes. I ask him to have the new contract sent as evidence of contract breached for the prior one that was signed the day before. The first contract is 10 % down all requirements have been met all documents that were requested also has been submitted. The new contract states 15 % down payment which Im under contract for a property and close tomorrow XX/XX/2023 and a new contract was issued 48 hours before with an increase to 15 %. And Ive contacted other lenders to see if this was something common or feasible in this market and its not a common practice I should say. So I Emailed XXXX XXXX XXXXRelationship Manager Mortgage Lending Division of Carrington Mortgage . Why is the contract being breached this is in violation of consumer to lender and shows predatory lending. He stated Discuss with your broker he replied in email. However the broker contacted me and informed me that the lender is not communicating with him. He also forwarded emails of no detail or response in regards to my file, but the breach of contract which he stated has never been done in his years of working as a broker someone should be notified outside of him. Along with these circumstances I have emails from broker and lender. Broker is willing to provide written documentation concerning matter and is a witness alongside of myself and the realtor. Carrington mortgage has violated me as a consumer who is under contract for a property by failure to perform there services due to predatory lending. There was not a specified issue or problem for contract breached so I was alarmed Ive been a victim of abusive practices. To my knowledge of the law lenders are required to say why youre not approve, changes in terms etc. However Im a just another victim I can assure from this lender thats just speaking up. This was herocious experience. I have documentation of contracts emails and more if needed for more evidence as this matter definitely needs legal attention. 

Carrington Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX CT XXXX Direct : ( XXXX ) XXXX |Fax : XXXX www.CarringtonWholesale.com XXXX XXXX
Consumer complaint received 2023-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (KY)

An Escrow Analysis statement was posted to my online account. As part of the Analysis SPS stated thqat my property insurance annual cost was now {$4900.00} however my property Insurance cost through XXXX is only {$3200.00} annual thus SPS is over charging me pwer theanlysis {$1600.00} annual more than the cost of my insurance. in Doing tthis they increased my monthly mortgage payment from {$3300.00} per moonth to {$3500.00} which is simply overcharging me I want this fixed immediately as its overcharging me a significnty amount of moneya $ XXXX  monthly increse cost equals {$2800.00} which is even more per month in cost than the $ XXXXfalseincreasein the premium for our propert incurance. All of this is just crazy as again my property insurance bill annual is {$3200.00} I haveattached a XXXX of my XXXX annual homeowners insurance policy premium.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

I ask the lady I was talking to why is Chase letting them take money out of my account when there is no money in my account, she responded that I have credit protection for XXXX dollars and less itvwas XXXX and something dollars they let take XXXX so I said " I m want to do a claim " cause I'm not pay no overdraft fees for yall letting them get money out of a empty account! She said call back today and do a claim I got a text this morning ( didn't get no text ) when they was letting them take all this money ) but anyway I see about 5 or 6 overdraft fees on my account bringing it to XXXX and something dollars that's why Chase be letting people take money so they can hit you with these overdraft fees I'm not paying this XXXX I will close my account first!
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (MI)

I had opened this card and received a XXXX XXXX dollar credit on my account and they were to bill me for the remainder. I never received a bill for a payment and then on XXXX I received a letter ( not a bill ) that I was late on my payment. I immediately called and talked to an agent by the name of XXXX ID # XXXX. He took my information and checked and found that they had incorrect billing information. They had me as paperless billing which I did not request. That was also incorrect because they didnt have bank routing or a debit card. This resulted in me never getting a bill in the mail which XXXX verified was accurate. He removed the late charges and interest because it was their error. I have written them 5 letters explaining why they should take this bad report off my credit bureau records and they have sent me back form letters saying they stand by their late payment report. They refuse to acknowledge that it was their error in billing that caused the problem. My credit has gone from excellent to good. Im XXXX XXXX XXXX and Im going to get a new car lease and this will affect my payments. I pay all my bills on time and in full and yes it was late but Im not at fault. All I want is to restore my excellent credit.
Consumer complaint received 2023-09-14
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc (AZ)

I am a victim of ID theft starting around XXXX and I found out earlier this year. There are several accounts listed under affirm credit account loan that I did not open. I have a police report stating so and that is all I am required to provide them by law.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY (AZ)

I am requesting that American expressnot hold me liable for fraudlent charges I am a victim of identity theft I explained to the card holder that I would only be paying for my items that I actually purchased however they denied that and informated that if i made an a payment during the investigation that the cybercriminals would have access to so they then maliciously reported mye 90 daus late which is impossible they are violating my consumer rights and they need to update the credit reports according because I would ot because they are holding me liable for charges that area fraudlent. 

I am requesting that American express listen to their recordings and acknowledged there terms and condition because I am protected unters ther zero liablity protection and I have another service to product to repair my identity and they have not been at all cooperative or understanding that all the devices where compromised by a hackwer who then gets someone to rob be of those said devices and its whithin these devices my digital Identity has suffered
Consumer complaint received 2024-03-06
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. (MO)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-14
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX