davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
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)

I have disputes with Experian about the information on my credit from XXXX XXXX. As stated before I called and requested the service be turned off it was never done but they continued to bill me.Experian has left this on my credit report and has damaged my credit. XXXX XXXX  has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX  has received 7,066 complaints in the last 3 years and 790 in the last 12 months for the same issue I have complained about.and yet Experian still has yet to act on my complaint. XXXX XXXX has a F rating. I have disputes with XXXX about the information on my credit from XXXX XXXX. As stated before I called and requested the service be turned off it was never done but they continued to bill meXXXX has left this on my credit report and has damaged my credit. XXXX XXXX  has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX  has received 7,066 complaints in the last 3 years and 790 in the last 12 months for the same issue I have complained about.and yet XXXX still has yet to act on my complaint. XXXX XXXX has a F rating .I did pay the bill after being harassed while my son was in the hospital for a XXXX XXXX I was told that once I paid the bill it would be deleted from my account by XXXX XXXX representative that was never done. This should have been deleted off my credit when I disputed it. The two credit did not investigate this complaint seriously if they had they would have seen the XXXX  warning that included this statement On XX/XX/2019 and XX/XX/2019, XXXX attempted to contact XXXX XXXX XXXX regarding a high volume and pattern of serious complaints. XXXX received complaints in the alleging customer service issues, missing appointments, decline in services previously handled by other providers who XXXX has assumed, billing issues including additional service charges for periods once the consumer has cancelled services.which was my main complaint that I called and asked for the service to stopped and it was never done and they continued to bill me. No one was in the home at the time we were in another state for my sons XXXX XXXX
Consumer complaint received 2021-12-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (FL)

In the past 6 months I have sent my mortgage payment, through my auto checking account on the XXXX of the month. The mortgage co has charged me a late fee on both occasions. The bank, XXXX XXXX shows the payments were sent out on the XXXX of each month but the mortgage co says they were received after the XXXX and charged me a late fee. I can not get my problem resolved and am t5old it is my problem. The bank is sending these payments on time but the mortgage company does nothing to correct the situation. I have no way to find out why these payments a being late with no help from the mortgage co. Also my escrow account is screwed up and they have done nothing to correct it.
Consumer complaint received 2022-04-16
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. (NC)

I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2019-08-06
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: CITIBANK, N.A. (NC)

Dear CFBP This is not a duplicate complaint as it does not relate to CFBP case # XXXX. I am filing a complaint against Citi ( CBNA ) for not giving me the required documentation to file a FTC  identity theft report relating to unauthorized inquiries from my credit report. They were requested to either remove the unauthorized inquires or give me the signed application and IP address used to submit so a FTC identity theft report could be filed. Citi was informed via certified mail that they did not have permissible purpose under the Fair Credit Reporting Act as I did not apply for credit. They did not read my complaint or provide the requested documentation proving that these were in fact authorized so a FTC report could be filed. Therefore, I am requesting you to require Citi to delete these inquiries from my XXXX report or provide the required documentation for a FTC identity theft report to be filed. Thanks, XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XX/XX/XXXX I was paid {$1700.00}. The morning of XX/XX/XXXX I received via e email notification from Chime that my email, phone number and address had been changed. Upon receiving these emails I immediately contacted Chime and said these changes are false that I did not authorize these changes. In the conversation, I learned that my cards were considered lost and a temporary replacement was ordered and to be mailed to the fraudulent address. During the conversation, as I was looking at the account, there was an unidentified and unauthorized charge of {$1000.00} to XXXX XXXX. 
I was told by Chime to wait until the charges are not pending anymore. Then I can file a fraudulent charge claim. 
On Monday XX/XX/XXXX, the charge went through. Immediately I filed a fraudulent claim charge. 
On XX/XX/XXXX I received an email from Chime stating the charge was not done in error and therefore was not refunding the money to my account.
Consumer complaint received 2020-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center (ND)

I have been working with Premier Student Loan Center ( PSLC ) since XX/XX/XXXX. I just found out on XX/XX/XXXX that they have been taken to court, and are shut down. I was not informed about this by anyone. I figured it out when I called to make sure everything was ready for next years plan. I was surprised by an automated voice message telling me that in XXXX of XXXX they were taken to court and are being sued. I was directed to XXXX. I went to the website and was sick to my stomach because I just realized that this company was a huge scam, and I had been fooled. I immediately called my bank, and XXXX  XXXX XXXX. The person I talked to at XXXX  XXXX XXXX informed me of some of the things done to my account by PSLC, and she told me what to do next. I went and changed all my accounts and passwords, and I submitted a consumer complaint to the Federal Trade Commission ( Complaint Report # XXXX ). I will attach a copy of that to this complaint as well as a bunch of other emails proving my involvement with PSLC. PSLC changed names a few times, and I have proof of that in the emails too. I am just wondering what am I supposed to do now. Is there anything I can do? Can I get my money back? The first 5 months I paid {$190.00} to this company. Then {$30.00} per month after that, equaling {$1500.00} in total. This company made it sound like they were the ones who were going to pay my student loans off after the 10 years and they made it sound like the Public Service Program was their program. I was so concerned when they called I even asked them how I could be sure that they were not a scam and how I could trust that what they were saying was true. I don't even think that women I spoke with knew what the company was doing because she was so sincere in helping me. I just don't know how people can take advantage of others who don't understand. I feel completely manipulated. I have proof of every payment they took from my bank account debit card if I need to go back and get those I will. I am sending proof of the last payment they took from my account in an attachment. I have not heard anything back from the Federal Trade Commission, and when I called there I went through pushing numbers on an automated voice system that took me to the Consumer Financial Protection Bureau. I just want to know if I should keep trying to get my money back, or if I should stop putting so much effort into this because that is never going to happen. Please let me know where to go from here. I thank you for your time and energy. It is greatly appreciated. 

PS. There are company names, employee names, phone numbers, and addresses in attached email documents. If there is anything else that you need please let me know and I can get it to you. My email is XXXX. 

This complaint is about Premier Student Loan Center/XXXX XXXX XXXX/XXXX XXXX XXXX   www.premierstudentloancenter.com XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I had a transfer of loan servicer to Mohela when my previous XXXX XXXX  was transferred to other companies. My employer pays my loan payment for me. When they switched they requested a XXXX from Mohela. I called in XXXX, the service representative did not know what I was talking about and instructed me to wait for something in the mail. I called again in XXXX. Same response. I then argued with the accounting department at my employer to verify that what they were saying was correct. I sent an email message on XX/XX/2022 regarding the same. I still have not received a response. I then called again on XX/XX/2022 and received different information that I was to upload a form. I uploaded the formed on that same day and the representative I spoke to verified that she could see it and that it would be handled within XXXX business days. I have just received a message that there is a delay in responding to my form. I have taken a half-day off of work to wait on hold now twice and I have now missed out on {$6600.00} of loan repayment from my employer in the last 4 months due to delays in this form by either misinformation or delays coming directly from Mohela employees . I would like to file an official complaint with Mohela, and the CFPB. I would like consideration for transfer to another loan servicer if at all possible.
Consumer complaint received 2021-12-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO Bank, N.A. (GA)

Subject : Problem related to inability to obtain a loan modification I have been working with BMO Harris Bank ( BMO ) to obtain a loan modification, since XX/XX/2021. Unfortunately, they have been uncooperative and unwilling to assist me. 
The process of requesting a loan modification began in XX/XX/2021 and I have submitted documents that were requested by the bank on many occasions. Some of these occasions included : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called on several occasions to find out the status of my application and wrote directly to find the status of my application as well. The last call I made I was informed that my application was denied on XX/XX/XXXX ( I believe ) because I did not provide a copy of my contract with my current employer. 
This information was not initially requested from BMO so it is unclear to me why the rules suddenly changed. I included in correspondence with BMO on XX/XX/XXXX, stating that I could not provide a contract with my employer, because I did not sign a contract. I have never been provided with a signed contract and Georgia is a " right to work '' State where an employer is not obligated to provide XXXX. In addition, I provided BMO with my bank statements showing the deposits of income received from this current employer. My monthly paystubs were also submitted to BMO reflecting the money received as well as a W2 and the pay schedule issued by my employer.

BMO failed to take the time to contact me for additional information and clarification knowing that I had been working with them consistently since XX/XX/2021. It appears that BMO 's tactic was to deliberately deny me rather than to communicate what was needed. Their reluctance to assist me during a time when I was cooperating with them gives the appearance that there were other motives for their denial.

Suddenly, I received a new application stating that I must complete the same extensive paperwork again. It makes no sense when the circumstances will still be the same and it appears to me that this is being done to frustrate me so that I will become discouraged. Instead of making it very difficult for me, BMO should be providing me with help. This practice of BMO is unacceptable and denies some customers an equal and fair opportunity to receive a loan like others. I am requesting that this matter be investigated and their practice of denying " without asking '' stops. 
It takes a lot of time to complete the loan paperwork as well provide the requested documentation for it to not be taken seriously. I spent numerous hours gathering documentation and there should be no reason for their denial. 
Your assistance is requested to receive fair opportunity to get loan modification. Thank you very much for your time and efforts.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is currently reporting the following accounts as being delinquent. The account listed below are not delinquent, the inaccuracies are a violation of the Fair Credit a reporting Act. The status of the account listed below shouldnt be showing as delinquent they all have {$0.00} balances and not delinquent.According to the Fair Credit Reporting these accounts must report with its current status and they are not delinquent. Theres nothing in witting signed by me saying I give Transunion permission to report the following accounts to my credit file please remove the delinquent status to current. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC (MA)

XX/XX/23 a company named Zelle hacked my account and took {$3000.00}. I contacted Zelle who said they wouldn't help. I contacted my bank and it was reported as fraud. 
XXXX XXXX  will not reimburse even though it's fraud because they lose money. This was not a scam. My bank can see the withdrawals. I want everyone know about fraud reporting and how it does not help to get what back what was taken from you
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TX)

I as many other homeowners struggle with making my mortgage payments. I happened to have to file for bankruptcy protection a few months before COVID hit.

I have applied twice now for a modification and Caliber keeps marking the modification as incomplete and closes out the file.

I have submitted my application for a third time with Caliber and hopefully they will actually modify my mortgage.
Consumer complaint received 2021-12-28
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. (PA)

I, XXXX XXXX, consumer, original creditor have found out that these accounts listed below have not been deleted off of my consumer report. There was no consent nor did anyone give permissible purpose for the accounts listed below pursuant to 15 USC 1681b ( a ) ( 2 ). Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. Pursuant to 15 USC 1681b ( a ) ( 2 ), consider this as my written instruction. Furthermore, as defined in 15 USC 1681a ( g ), please provide me with a credit file.
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (RI)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX, XXXX and experian keep getting hard inquiries when I am not applying for credit. I am not a XXXX and I think it is XXXX parties putting false info. 

1. XXXX XXXX 2. XXXX XXXX 3. For ewuifax I been trying for XXXX false hard inquiries and they are not doing frca laws to do right way to show I did or didn't do. 

Also XXXX XXXX XXXX XXXX has somebody with same name. They need to take off all XXXX reports.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2024-03-11
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (NY)

I got a comenity bank Victoria secret card in XX/XX/XXXX I started off with a {$300.00} credit limit. When I got the card I didnt use it. Therefore, I wasnt sent a due date anything etc I used it for the first time in XX/XX/XXXX. I had been paying on it and noticed a credit decrease of {$50.00}. It didnt alarm me but then I recently got a comenity letter of change XX/XX/XXXX stating my new amount is {$200.00}. I believe its due to none activity which this has happened before.
Consumer complaint received 2021-12-28
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. (PA)

Trans Union, XXXX and XXXX keep getting hard inquiries when I am not applying for credit. I am not a XXXX and I think it is 3rd parties putting false info. 

1. XXXX XXXX 2. XXXX XXXX XXXX. For XXXX I been trying for XXXX false hard inquiries and they are not doing frca laws to do right way to show I did or didn't do. 

Also XXXX XXXX XXXX XXXX has somebody with same name. They need to take off all 3 reports.
Consumer complaint received 2021-12-28
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. (PA)

XXXX XXXX, equifax and experian keep getting hard inquiries when I am not applying for credit. I am not a XXXX and I think it is 3rd parties putting false info. 

1. XXXX XXXX XXXX. XXXX XXXX 3. For ewuifax I been trying for 5 false hard inquiries and they are not doing frca laws to do right way to show I did or didn't do. 

Also XXXX XXXX XXXX XXXX has somebody with same name. They need to take off all 3 reports.