davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NC)

Beginning in XXXX of 2021 I had a charge of {$59.00} from XXXX XXXX XXXX. I disputed the charge with XXXX and Chime. XXXX refunded the money but Chime again took it back. This has gone on for 5 months. XXXX refunds the money and chime again takes that too. They also fail to investigate a filed dispute, closing it as denied in less than 10 minutes after filing the dispute. Chime also refuses to allow you to speak to anyone in the US leading me to believe this isnt actually a US company as represented. 
The company is a scam and clearly this is well known and allowed given the volume of complaints.
Consumer complaint received 2021-10-22
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: Experian Information Solutions Inc. (CA)

Final update regarding the following complaints : XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | On XX/XX/2021, the Financial Non-Depository Examiner from the Office of the Commissioner of Financial Regulation in the Maryland Department of Labor confirmed that I do NOT owe the deficiency balance reported by XXXX XXXX, XXXX. The deficiency balance reported by XXXX XXXX XXXX XXXX is disallowed under the power vested to the Commissioner by Md. Code, Com. 12-1021 ( j ) ( 3 ) [ 2021 ].

I demand that the credit bureaus retroactively scrub any and all negative data from my credit reports and deny any additional negative reporting regarding this case. 

Lastly, I am concerned that the CFPB is seemingly a mere soundboard about as effective as a crowd-sourced review website. This process took far too long despite the irrefutable evidence I presented. If I didn't possess advanced legal knowledge as someone who sat for the bar exam during this ordeal, I am not sure I would have been treated fairly in the end. I am seriously worried that laypersons are extremely vulnerable to unfair credit reporting practices with very few resources available offering sufficient recourses. How many people had claims similar to this that were meritious but were only recorded and not resolved because agencies and credit bureaus took the word of the creditor over the debtor even when the debtor was unfairly treated? Here, the creditor only had to create documents to support their defense - of course, it will be biased - so, why accept them for their face value? A deficiency balance is not valid simply because the creditor says so. I hope Congress and state legislatures use this case as an example to strengthen consumer protections and to improve the efficiency of this federal bureau. 

Thank you. 

Enclosures.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is illegal to report transaction history pursuant to the FCRA. XXXX is violating my consumer rights by reporting to any credit agency transaction history along with those agencies allowing for such history to be reported by them.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is showing a past due balance of XXXX to complete credit solution. According to the FRCA I have a right to an accurate credit report. Please remove this item immediately from my credit report. Also want to do the same thing with the The first premier bank account is showing a past due balance of {$650.00}. And the last account showing a past due balance is acceptance now. Showing a past due balance of XXXX. According to the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), I have the right to dispute any inaccurate or incomplete information on my credit report. Please remove these items immediately from my credit report. Please provide a copy of my new credit report reflecting this account removed upon completion
Consumer complaint received 2021-10-22
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: JPMORGAN CHASE & CO. (FL)

Chase routinely violates the law on disputes and fails to : 1 ) Perform an investigation and provide documentation - no documentation or evidence that any investigation or review was performed has been provided to date.

2 ) Provide a clear explanation of what is owed and why ; provide documentation supporting the validity charge - no documentation and on explanation was provided at all.

3 ) Provide proof of purchase or signed sales receipt - no documentation was provided at all.

4 ) Resolve disputes within 2 billing cycles or 90 days - this charge was 149 days ago.

A specific example is cited in the attachments.

The ONLY information ever provided by Chase is attached and does not satisfy ANY of the four requirements described above. This is their standard operating procedure for virtually all disputes. All communications regarding this issue are either ignored or met with form letters such as the attached that do meet the requirements of the law 's consumer protections ( see attached ).
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

I initially applied for an income driven repayment plan ( IDR ) over 6 months ago. During that that I have contacted customer service at least 3 times to address this problem and was recently put on forbearance and was told the payment plan would be processed " in about a week ''. My forbearance is now ending with a payment that is three times what my expected payment should be. I contacted Mohela today, XX/XX/XXXX and was told there is no recourse and that there is no information available regarding my very, very delayed processing time. 

IDR Processing XX/XX/XXXX IDR Processing XX/XX/XXXX IDR Processing XX/XX/XXXX IDR Processing XX/XX/XXXX
Consumer complaint received 2021-10-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Social Finance, Inc. (OR)

I was given the go-around by this company for about a week and a half. I was given different information each time I called about why my loan application was denied and what I could do to provide the information that was needed. After filing a complaint and waiting almost a full week to hear back from management, I was told that I had been denied because I could not provide information that was needed to verify my income and employment. I was told I would not have an opportunity to provide the information needed because they would not approve the loan regardless of me providing it. I asked why they would not consider working with me further and I was told that I could not know why I was denied, and there was nothing I could do. I asked many other times why I was not being given the opportunity to provide the information and the manager simply told me she could not tell me and that she was sorry. I feel that this was a discriminatory decision because of my XXXX last name.
Consumer complaint received 2020-07-10
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. (CA)

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Consumer complaint received 2020-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN FINANCING CORPORATION (CO)

I applied to refinance my existing mortgage on XX/XX/2020 with American Financing. Before applying to refinance I had an extremely good credit score above 750 so being approved for the refi was not anticipated to be a problem. After working with one of their loan processors to submit all of the requested info from employment history, tax returns, pay stubs, and more, I did not hear from American Financing for 2 weeks. Then after requesting an update via phone I  was told that I am now pre-approved and then moved into " conditionally approved '' status. I was told by the loan processor that everything looks good and they should have what they need. My income level, company I'm working for, and pay structure stayed consistent throughout the process. Then, American Financing " disappeared '' from XX/XX/2020 to finally making contact with me again on XX/XX/2020. I left multiple messages during this time period for XXXX, my original loan processor to call me back and update me as I have not heard anything, and my closing date listed on the American Financing portal had come and went, twice. A nice lady named XXXX finally made contact and said she is " taking over '' my loan on XX/XX/XXXX. She requested a few extra documents which I provided quickly, and then, 2 days before scheduled closing on XX/XX/2020 I received a call from a different American Financing employee named XXXX saying I was no longer approved because " the way I am paid changed ''. Again, nothing had changed throughout this entire process. I am a truck driver that is paid by miles and stops, with XXXX miles guaranteed weekly by my company. That was consistent from application to " conditional approval '' to denial. Yet they alleged that my pay structure changed and used that as a reason for the denial, after " losing '' my file for 1.5 months. This company hit my credit, was irresponsible with my information, led me to believe there were no problems, disappeared for 1.5 months, then told me I was denied my refinance 2 days before scheduled closing. They were unprofessional and seemingly reckless with my information. I made some personal financial decisions based on the conditional approval and after being led to believe there were " no issues '' with my refi. Would never recommend anyone do business with this company.
Consumer complaint received 2019-02-06
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. (NC)

I am a victim of identity theft and had several accounts opened in my name. I have served in the XXXX XXXX and have been in XXXX for years. When returning to the state, I discovered that my identity had been compromised. 

I contacted all credit agencies and filed a police report, while living in XXXX, NC. I sent an initial request, second request, formal request, and final request to Equifax demanding proof of verification and request for verification system used. I have sent all requests certified. 

Equifax has failed to remove any fraudulent accounts after I was told that a block was on my account and all fraudulent accounts would be removed. I requested information on the system which they used to verify their information, and I still have not received it. I have not received any verification from any of the " said '' creditors to verify the accounts. I have also filed a complaint with the FTC for non-compliant.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo keep letting unauthorized use of my account and they are slow at updates on my account which put my account on negative. They deny withdrawing from me I have to call them to get it right.
Consumer complaint received 2022-10-30
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. (TX)

I have a account with XXXX, this account reflects several inaccuracies that are reporting on my credit files with XXXX XXXX, XXXX, and Equifax. The inaccuracies are highly noticed when reviewing my credit. This reporting is effecting my credit as, it is keeping me from obtaining a better credit status. 

I was contacted by a creditor, who advised me that the account with XXXX. Account # XXXX showed my payment status as current, but showed in the XXXX XXXX XXXX status. With several late payments over 30 days late with all three credit bureaus. I request a update of reporting with all three credit bureaus with XXXX XXXX, XXXX, and Equifax. 

I do not request that this account be removed or deleted, but updated to reflect alone with the payment status of paid current reported on all three credit bureaus with all three credit bureaus. 

List of inaccuracies : XXXX XXXX XXXX Equifax Date Opened : : : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Monthly Payments : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comment Section : No rate information No rate information Auto fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year Payment History : XXXX XXXX XXXX 30 day late XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX XXXX : 30 day late XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX Equifax 30 day late : XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX This is a breakdown of the inaccuracies that are being reported from all three credit bureaus. I request that these inaccuracies be updated to reflect the true accuracy on my credit files. 
There should be no hesitations, or issues with getting this corrected. I expect that this will be done in the 30 days mandate per Federal Law under the FCRA 15 USC 1681.
Consumer complaint received 2020-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I have been trying to straighten this out since XXXX. Homeowner insurance and flood insurance was obtained by NewRez in error. Money has been taken out the escrow account and paid to insurance company. I was told that the issue would be resolved within 48 hours first on XX/XX/XXXX and most recently on XX/XX/XXXX and as of today still no resolution. NewRez sent letter requesting proof of insurance in XXXX. We provided proof of insurance 3 times ( once by fax XX/XX/XXXX and 2X via email ). XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. It has been confirmed that this proof was received. And this problem is still unresolved. Homeowners and Flood insurance was obtained by lender in error as we already had insurance ( liability insurance - house was demolished after superstorm XXXX also provided proof of this ) and provided them proof. Money was taken out of our escrow on XX/XX/XXXX {$730.00} and {$78.00} and again on XX/XX/XXXX {$140.00} & {$14.00}. I rec 'd letter form NewRez stating that insurance was canceled on XX/XX/XXXX. This money needs to be refunded. There is one more payment due on this loan.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

These reporting agencies I know nothing about, they had no reason to keep checking my report i never heard of them, and they were checking 5 and 6 times a month damaging my credit history this is unacceptable and want them removed, if not I'm filing a lawsuit, I feel like im definitely a victim of identity fraud, and its making me very upset, these are the hard inquires .... 
XXXX XXXX - from XX/XX/XXXX-XX/XX/XXXX about 10 times XXXX from XX/XX/XXXX-XX/XX/XXXX I don't know these people XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have all fraudently pulled my name, and my identity, I'm scared and confused, please remove these people
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Credit Karma (TX)

After agreeing to have my tax refund send to a Credit Karma account, I have been unable to link a bank account to withdraw the funds. CK forces users to use XXXX. I would prefer NOT to be forced into a situation where I am sharing financial data with a third party company just to access my funds. The option to manually input an account simply does not exist, which only makes sense if CK has a beneficial agreement to force consumers into a data harvesting scheme. 

Furthermore, while I would prefer not to use XXXX, I did attempt it. It simply reloads back onto the login screen of my bank. I attempted with two different banks. CK has an option to transfer funds via a linked debit card for a XXXX XXXX XXXX. It feels like this entire process has been to force that kind of transfer. 

Also, if you have recently opened an account and linked a card, you are not allowed to link a different card. At every possible step, CK makes getting your funds out of their institution a nearly impossible feat.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There was a credit card opened fraudulently with my identity in 2019 in XXXX BANK DELAWARE and was used beyond the limit. There was no payment made towards it. 

Currently it shows against my name with missed payments for the last 2 years or so and had taken a heavy toll on my credit score. 

As a result my auto loan APR went to high, I am not able to get any new credit line from any financial institution. I am facing a heavy financial turmoil and difficulties due to this. 

I had tried to dispute the same through credit bureaus [ Transunion & XXXX ] several times in the past few months. But everytime the bank rejects saying that its a valid account. 

I confirm again this account was not opened or used by me at all. 

Please help me out. Thanks in advance.
Consumer complaint received 2019-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (TX)

My wire transfer is held due to a US OFAC Investigation Request XXXX, details XXXX I would expect a delay related to this, but I would also expect due diligence and expedite responses from banks about this issue. 

The Sender XXXX XXXX  has replied back to messages and request for information though ON-LINE security messages, but the receptor TD Bank miscommunication and delayed response is adding unnecessary delay on this investigation. 

I request XXXX XXXX  to notify the recipient of this wire transfer delay, but they replied is under the TD bank compliance option to notify their customers. I contacted TD Bank customer service and ask them to notify the recipient beneficiary of the delay of this wire transfer. Even I did not request any information or details, they refuse to notify its customer about this transfer delay. TD Bank stated is following Privacy and security measures, but I did not request any information, just ask to notify its customer about this transfer delay Please note I have replied back to TD Bank with details requested by TD Bank, and they reply back three or four days after, and asking for more information.

I believe they should request all required information at once, and not taking two or three days for each response. 

I also believe should have the courtesy to notify the wire transfer recipient about such delays, and expedite responses and request for updates from the sender bank. 

The original wire transfer was initiated on XX/XX/2019, and today XX/XX/2019 I am still in the " limbo '' about the status of this wire transfer. 

Sender : XXXX XXXX Acc # XXXX From XXXX XXXX Amount : {$1000.00} Date : XX/XX/2019 Recipient : XXXX  XXXX XXXX XXXX ACC # XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2021-10-22
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: Experian Information Solutions Inc. (GA)

I tried many times, ( emails, phone calls, file a report ) to contact Experian and talk to someone that had the authority to act in my behalf. They don't return phone call request, nor do they follow up on reports that you give them. 
I have about a XXXX credit score, which I am proud of, but I am getting turn down for credit cards, because of Experian lack of correcting a problem with XXXX. I do not need the extra credit card, but was only interested in the points offering. 
My problem with XXXX is a faulty I phone I return back to them many years ago. They said they never received it back and I said I did return it. I told them they have serial number and can trace the phone. I ask then to trace the phone by serial number and they never responded to request. XXXX is negligent and fraudulent in this manner. I do not own them {$900.00}, never used that phone, and will not pay for something I do not owe.