davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (FL)

XXXX 2021 Chime Credit Card company reported a XXXX dollar balance I paid which they reported it to the credit builder and affected my credit. The time frame to pay it arrived and I already paid the amount. I made a report about it. 


This month they failed to notify consumers they were closing out statements on XX/XX/2021 instead of the XXXX which is the end of the month. They changed their due date and decreased the amount of time people have to pay their off balances. It is understood that they can change their due dates but proper notification should be required consumers can make informed decisions about their spending habits. I have other credit cards their due dates change but they notify in advanced not change it and give approximately 1 day to pay. That is a unfair practice and it needs to be resolved.
Consumer complaint received 2020-08-15
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. (MS)

After reviewing my credit report. I noticed some charges made does not match my records and was not made by me. Please remove all accounts listed in this report from all 3 credit bureaus Experian, XXXX  and XXXX. The false information that's reporting on my credit report is affecting my ability to obtain credit.
Consumer complaint received 2022-08-17
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. (FL)

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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-17
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. (FL)

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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-27
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. (NC)

On XX/XX/XXXX  I sent a letter to all 3 Credit Bureaus requesting to have my personal information updated. I received updated copies of my reports and the incorrect information is still being reported.
Consumer complaint received 2020-10-01
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: ENCORE CAPITAL GROUP INC. (PA)

MCM # : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
Original Account # : XXXX XXXX : The XXXX XXXX Consumer I filed for bankruptcy on XX/XX/2020 and listed Midland Credit on my bankruptcy petition. Midland Credit deleted the trade lines from my credit reporting file after my bankruptcy was filed. However ; the following month they re-reported this information to XXXX  showing it as an open collection item although they were clearly listed in my bankruptcy petition. They have indicated in my CFPB resolution that they stopped reporting the account to the 3 credit reporting agencies which is obviously not true based on the attached documentation showing them listed as a collection item on my XXXX  credit bureau report. It seems as though there executive offices have issues understanding my complaint. I did not indicate I want the trade lines deleted but more so if they cant report them accurately to show them as included in my bankruptcy that they should delete the reporting as that they have indicated in there resolution contradicts what actually occurred on my consumer credit file.
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

started processing my mortgage refinance on XX/XX/XXXX with citizens One Mortgage because they were holding my first mortgage. My credit score is XXXX and I only have one credit visa line of {$8000.00} with a XXXX balance having said that, all the requested documentation was sent to them within a month because I am a XXXX XXXX  from XXXX XXXX  serving 33 yrs and with XXXX XXXX XXXX. Well after all the documentation was provided XXXX, XXXX, XXXX, and XXXX still know closing but always excuses but in XXXX they said your loan will be closing soon. Soon was far away so I called after know communication from them returning my call. So, then My rate was locked in and it was about to reach the end date so I had to call them and ask if I would be getting a lower rate because my lock in rate of 3.875 was coming to an end and the loan had not closed because of them but I had to remind them, then they sent me a revised lock in rate at the same 3.875. Moving forward, I tried to get into my account that I presently have with them but to know avail could I go on line to access my account then when I called and I have called many many numbers they all said that I did not have a account with the account number given. However the account numerber is on my mortgage statement that I gave them. But every month they are taking out {$1500.00} via EDT automatic debit from my account. They would not return any of my calls. I have emails proving how many times out of frustration that I tried to have my call returned asking way my loan was not processed and why I could not get into my account. To that end I withdrew my Application on XX/XX/XXXX and still to this day I can not believe they still say my mortgage number is not valid with their company. 
Plus when I asked them to withdraw my application for refinance still they had not even thought of a closing date but my mortgage pmt is always debited on the first of the month. 
and
Consumer complaint received 2021-05-30
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: GOLDMAN SACHS BANK USA (TN)

On XX/XX/2021 I noticed a charge for {$820.00} on my Apple Card by a " merchant '' identified by XXXX XXXX ( XXXX ). 

I had contacted Apple Card support and they initiated a dispute. It was resolved in the merchant 's favor on XX/XX/2021 because the merchant provided sufficient evidence that I made the purchase. 

I would like to see this evidence. I have no records in email or via XXXX ( whom I also contacted and could not verify the purchase ). 

The Apple Card support team and apparently the underlying financial systems appear to be inadequate at detecting and preventing fraud. This is one of many disputes ( all resolved in my favor ) I have had to address with Apple. Their explanation is that there are glitches. I believe it is time for a full audit and investigation of both Apple and Goldman Sachs. It is readily apparent neither company is equipped to deal with consumer credit.
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Area Collection Service, Inc. (FL)

This company continues to call from XXXX phone numbers threatening that if I do not give information to their agent I will face legal repercussions. 

The debt this company claims to own is XXXX years old, and outside the statute of limitations for the state of Oregon. 

Yet this company continues to report the falsified debt which includes a contract that was forged and does not include all the parties responsible for the debt. 

This company is harassing me by phone and mail. furnishing fake contracts and fake amounts of debt.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

Bayview Loan Servicing Company took advantage of me and refinanced my home at an alarming interest rate. When I tried to get out of the situation, as I was no longer working, ( retired ) and could no longer make the payments, they were unwilling to help me find a solution. This happened on or around XXXX. They harassed me by calling me multiple time throughout the day, but never tried to assist with helping me find a solution on how to repay on the refinance. I'm a XXXX year old XXXX woman I was taken advantage of.
Consumer complaint received 2020-10-01
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. (FL)

I am writing a request that you stop reporting certain things that are on my credit report. There are many debts from companies and I dont know who they are. For some, I did see creditors that I recognize but theres no way that I could have incurred that much debt with those companies.
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report. 

XXXX XXXX - {$1100.00} XXXX - {$22000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$760.00}
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NH)

Recieved a notice from Synchrony Bank, dated XX/XX/2020, that my request for a credit card with TJX REWARDS CARD had been denied.

I did not apply for a TJX card and I am concerned that a denial will hurt my credit rating. 

I tried to contact the Bank, but it is impossible to get a phone numer from them to get answers.
Consumer complaint received 2021-05-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (MD)

Hello, I initiated a transfer from my bank account in the United States to my bank account in XXXX on XX/XX/2021 with a transfer amount of USD XXXX. Today XX/XX/2021 the transaction has still not completed. WorldRemit has requested documentation which I promptly provided, unfortunately many times they requested the same documentation. 

It has been an extremely frustrating experience, other money transfer companies will do a wire transfer in 24 hours. Unfortunately other money transfer companies do not have the Brazilian bank I need for the transfer. 

Thanks
Consumer complaint received 2020-10-01
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. (FL)

I had an account with XXXX ( Acct. XXXX ). In 2018 I had an accident and was out of work. I contacted XXXX and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later. 
When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of 2018 and running through XXXX of that year. 
I contacted XXXX and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of XXXX ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps XXXX correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own.
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (FL)

Currently owe {$360.00} from XXXX the XXXX payment of {$1000.00} was due on XX/XX/XXXX we have applied for the cares act through XXXX XXXX XXXX   they have XXXX XXXX dollars to help people we have filled out all the applications and we are waiting. they said they will pay the mortgage company but it's the federal government and it takes time the mortgage company calls me three to five times a day and emails me every day I stopped answering the phone I told them if anything changes I will call them her name is XXXX XXXX from what I've read this is harassment and I sure would like it to stop she knows if I get money I will tell her the cares act pays directly to the mortgage company not to me
Consumer complaint received 2020-10-01
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. (FL)

There is an unauthorized account on my credit report. XXXX XXXX  XXXX  XXXX This account was never requested and I am not aware of these account can you investigate. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have sent money {$180.00} at XX/XX/2020 through the application XXXX XXXX XXXXXXXX Transaction number : XXXX Money was withdrawn from the account of Capital One Bank. The recipient turned out to be a fraud, took my money and disappeared and now I can not get my money back. The bank opened the case and declined it, as the money was sent through the application XXXX XXXX XXXX
Consumer complaint received 2020-08-05
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXX {$1100.00} XXXX XXXX {$71.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$75.00} XXXX XXXX {$270.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$100.00} COLLECTIONS XXXX XXXX {$43.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX/XXXXF XXXX {$920.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX XXXX {$880.00} XXXX XXXX {$780.00} XXXX XXXX {$2400.00}
Consumer complaint received 2022-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

Oveer the past 3 minths I have called, chatted and spoke with representaives from MR. COOPER home loans. They acquired my loan from another company in early XXXX and have misposted more than XXXX transactions that have resulted in my being assessed fees that are incorrect. I wrote them on XX/XX/XXXX, XX/XX/XXXX and again today XXXX. Between those wrtitings I chatted with at least 6 different agents and all told me they would take action on my concerns. I have attatched a download of the files on my account and added a far right column that notes my payments from my credit union account to MR COOPER.
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (AZ)

This issue shows that I opened an account on XX/XX/2018 with XXXX XXXX XXXX XXXX and that I owe them {$7100.00} for something I know nothing about. I have sent numerous letters to both Absolute Resolutions who is the debt collector listed on my report and the credit bureaus, as well as XXXX XXXX XXXX XXXX I have not received anything other than an Invoice from Absolute Resolutions saying I owe {$7100.00}. I requested more information and instead of sending me the requested documents they actually updated my credit report to show as new debt and increased the amount. Lowering my score again. 

They have hit my credit report more than once for this alleged debt with no documents showing that I opened an account with them. I did not open an account with them I dont know why this is on my credit report
Consumer complaint received 2022-10-31
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. (FL)

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 Hey hope all is well I ask the Credit Bureaus XXXX, Experian and XXXX to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I had inquiries on my credit report being reported inaccurately I never ever inquired Credit from these accounts : 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 XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX The inquiries are being reported on my credit report inaccurately and all I ask is that the Three credit bureau removed these accounts please and thanks. In accordance with the Fair Credit Reporting act XXXX Accounts, 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 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MA)

TD bank did not send me statements for a credit card. I do not use this card, not sure why there was a charge in XX/XX/2022. I never miss credit card payments. I receive all my bills through the XXXX  XXXX XXXX XXXX and website and it says I have a XXXX balance with TD bank every month. This error made my fico score drop by XXXX points. Please help correct this issue. A payment has been made and I locked this credit card so it will no longer be used. I understand that closing an account may have a negative effect on my credit score. Thank you!
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Fair Credit Reporting Act says 30 DAYS. They have 30 Fays to complete their investigation. They are lying to you by not answering that question. THEY DID NOT CONDUCT AN INVESTIGATION WITHIN 30 DAYS THEREFORE THEY ARE VIOLATING THE LAW.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I have made many attempts to resolve an issue with my credit reports from Equifax, XXXX, and XXXX. I have disputed and ask for real validation of current owed balance. Since the pandemic I have fallen behind just like all americans. I have followed the Cares Act and made attempts to resolve my debts with my creditors, at the least to get a statement on my report that I'm affected by Covid-19. No one is responding to my inquiries. I will like my protection under the Cares Act to be in affect but if I'm being ignored by these companies, how can I be treated fairly? Attach is a letter that I sent to my creditors 2 months ago.
Consumer complaint received 2020-08-15
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. (NJ)

HIPAA VIOLATION I submitted a complaint of a HIPAA violation to the Credit Bureaus. The violation continues on behalf of XXXX XXXX XXXX ... ..account # XXXX.