davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  ; XXXX  and Transunion are not investigating the lates reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of lates and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report attached shows the following accounts are not in dispute when in fact they should be reporting that they ARE in dispute. The accounts are as follows - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these lates and to report these accounts in dispute however, I have not been successful.
Consumer complaint received 2020-06-19
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: Experian Information Solutions Inc. (LA)

I sent Letters out Certified over 40 days ago & have not been notified of anything. As a consumer I feel like these people are playing with me and this is serious. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX XXXX  and Experian thi is totatly outrageous. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies as of yet
Consumer complaint received 2020-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent Letters out Certified over 40 days ago & have not been notified of anything. As a consumer I feel like these people are playing with me and this is serious. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion and XXXX  thi is totatly outrageous. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies as of yet
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Under the consumer finance credit laws I have 9 to 20 items on my credit report that the bureau keep recycling and all of these accounts are past the status of limitation but the bureau is reporting thes balances as recent. I am also using a credit repair company to get them off but the bureau keep recycling old accounts as new.
Consumer complaint received 2020-09-28
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. (TX)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner and are causing me financial harm.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under the consumer finance credit laws I have 9 to 20 items on my credit report that the bureau keep recycling and all of these accounts are past the status of limitation but the bureau is reporting thes balances as recent. I am also using a credit repair company to get them off but the bureau keep recycling old accounts as new.
Consumer complaint received 2022-11-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

I was at work on XX/XX/22 when my wife called in to ask about a loan modification we requested for on XXXX. Let me state my wife and I are legally divorced but currently working on our marriage. However that should be of no concern of Penneymac. Their only position in this is to process the paperwork not question my relationship status when they have been told we are back together. My wife spoke to XXXX who told her she was not authorized to speak to her about the account. We specifically faxed the paperwork requesting that she can be spoken to about the account on XX/XX/22. XXXX found the paperwork. Apologized that it was not on the system. She began to tell my wife that the loan modification was approved and that the unpaid balance would be put on the end of the loan. XXXX also mentioned that fed ex delivered the paperwork which we never received. She proceeded to look up the delivery date then hung up on my wife. When my Wife called back the single point of contact person who was XXXX didnt answer. She is the XXXX listed on the paperwork. Someone named A from the XXXX XXXX modification office answered and proceeded to say the paperwork had not been processed. A would not provide his last name when requested by my wife although he has sent paperwork to our home with his last name on it. My wife requested to speak to a supervisor. AA stated the office closed at XXXX although XXXX answered at XXXX. AA put my wife on hold and came back to say the supervisor want available. My wife asked for a number to file a complaint. It would not have gotten this far. XXXX gave my wife an approval date which was XX/XX/22 in which the loan modification had been approved. She said the paperwork was sent out via fed ex but did not provide the date delivered or the tracking number. XXXX mentioned the line was being recorded so this recording dated XX/XX/22 should be able to be pulled up easily. We have done everything Penneymac asked of us including sending a fax with the modification paperwork requesting that my wife be included in these calls because I work and yet she is still getting the runaround instead of AA or JA just doing the job they get paid for. To help their customers. We want to keep our home. We can now make the payments but it seems as though Penneymac is intentionally trying to foreclose on our home. They advertise that they are here to help the homeowners yet when my wife calls and sends in the requested paperwork as requested by Penneymac there still is no help.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

i put security freeze on my credit report now when i try to remove it no way to do it no answer from company just auto phone message that runs you in circle no person to talk to way to do on their website so no where to get loan approval this should be illegal called and tryed on website numerus times XX/XX/2020 see lots of complaints about same thing on their XXXX  page experian is a joke should be put out of business
Consumer complaint received 2022-11-06
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. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted 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 2021-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (VA)

I settled XXXX accounts with this company and I was told this was going to be taken off and reflected on my credit in XXXX and it is still on my credit. I spoke to XXXX on XX/XX/21 and XX/XX/21 about these accounts. The confirmation # XXXX is for the account # XXXX. The confirmation # XXXX is for account # XXXX. These were both settled for {$150.00}. 

This negatively impacts my credit and needs to be resolved. It is stated on XXXX XXXX that this meets FCRA requirements. It is under dispute with XXXX and XXXX  to be taken off.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

This a follow up complaint to my original one below is my original complaint as follows XXXX on XX/XX/2022. I couldnt unlock my debit card to use it. Chime was having issues where nobody could unlock thiers card. This issue caused me not be able to get gas after work to get home. I had to wait at the gas station for XXXX hours before the issue was resolved. This inconvenience caused me to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Because I was late I had to pay my XXXX XXXX XXXX XXXXor being XXXX hours late. This was very inconvenient and embarrassing not to mention a waste of my time. This is not the first time Chime had this problem. There has been many times this has occurred. I sent an email to Chime customer service explaining everything that happened. There response was thanking me for the feedback and they will try better next time. I feel I should be compensated for the extra money I had to pay the babysitter and for my time wasted. I made that clear to Chime. I could understand if it was a XXXX time thing but it was not. On numerous occasions Chime has had this problem. I feel that this should never happen we put our trust in the people holding our money with the belief that when ever we need to use our money we should be able to. Without any hesitation or problems. 

Per your response to the original complaint you indicated you did an investigation. Per your words below To note, you also mentioned in your complaint that there was a known outage during this time regarding Chime cards. We want to inform you that we found no outage when reviewing the month of XXXX in regard to your complaint. 

This a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was found during the month of XXXX XXXX your tweets and the status page of your services proves that you are straight up lieing. You tweeted on XX/XX/XXXX the day in question that members were having difficulty turning on and off transactions. Not only were you having trouble on that day. You were also having issues the next day XX/XX/XXXX consisting of the same exact problem from the previous day in which you also tweeted that day that there was issues in turning on and off transactions. So for you to say you did an investigation and found no issues were found for the month of XXXX is a straight up lie. That is totally unacceptable and quite frankly a huge issue of distrust if you do not take this seriously and keep trying to lie about the problem that was clearly documented that tgere was a problem I will choose to take another route which will involve lawyers and class action suits.
Consumer complaint received 2020-09-28
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. (TX)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner and are causing me financial harm.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

Santander auto loan was paid as agreed and is reporting as a charge off. Multiple inconsistency between all 3 reports. Called Santander and requested my information about my account. Still haven't received it in the mail. Was denied online access to my previous account. Was denied to be emailed my information. 
Disputed thru credit bureaus- updated/ verified information is still inconsistent. 
Please delete this account from my credit report or update as paid as agreed. Inaccurate/ incomplete reporting is damaging my credit score. 
Also Santander is under litigation for unfair and deceptive lending practices.
Consumer complaint received 2020-06-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: U.S. BANCORP (IL)

I am trying to refinance my first Mortgage to reduce my interest rate only, no cash out. My new lender ( XXXX XXXX  XXXX ) sent USBank a letter of Subordination as we have a HELOC with USBank including personal checking, savings. The Heloc was opened end of XX/XX/2019. And it has a current credit limit of XXXX. The balance is about XXXX. USBank is refusing to do the subordination for my refinancing unless I agree to pay down the Heloc with a new limit of {$47000.00}. My home has not changed, the amount of my mortgage and Heloc has not changed. The reason they state is that the new home appraisal for the loan is less than at the time if the Heloc. Of course the entire market is depressed. I dont know why they can not just allow the subordination as is with the current Heloc. I have been trying to pay down the Heloc and this reduced refinancing rate would allow me to pay off USBank faster. This matter is the only thing hanging up my refinance. My lender and I have tried multiple times to discuss this case with the mortgage department without them budging. This is not costing USBank anything to submit this subordination as originally sent. This is usually a curtesy thing with refinancing a first mortgage. I am a long standing customers of US bank. In the past I have had and payed off other Lines of credits and loans. I have a good credit rating with no defaults on loans and no bankruptcy. I do not know why USBank is making this an issue. USBank knows I dont have {$40000.00} in the bank to pay them. If it wasnt for the pandemic, my home would have been the same or increased in value. My husband and I are working and I am a first line responder. The people we have talked to at US Bank are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/20, My debit card information was compromised and had 3 unauthorized charges at XXXX XXXX totaling {$2000.00}. One charge was made at store location # XXXX and the other 2 were  made online at XXXX. I called Bank of America multiple times, and each time I received a different answer from every agent. They advised I was unable to do anything until all 3 transactions had posted. I followed their directions and filed a police report as well. I still felt like the information I was given from Bank of America was not accurate. I called one more time, and finally the agent blocked 2 of the 3 transactions from posting to my account. The 3rd payment however posted to my account from XXXX XXXX # XXXX in the amount of {$660.00}. I again followed the agents directions and opened a claim for the 3rd transaction posted in the amount of {$660.00}, and within 1 week the claim was denied. Bank of America said the claim was posted to my account correctly even though I did not make this charge to my account and I am unable to get this money back. I called and asked to speak with a manager and the agent advised me there was no one else that I can talk to.  The agent also said she can not reopen my claim. I asked to see how Bank of America reached their decision, and the agent denied me viewing that information even though I have a right to my own information. Bank of America did not even take the time to research my claim. If they did in fact research my claim, they would see that I do not even have a XXXX XXXX  membership, nor in the past have I ever done any business with XXXX XXXX. This charge was not made or authorized by me the account holder and now they are refusing to give me my money back.
Consumer complaint received 2020-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I want to start this request reminding Capital One that we are all living dificult times with this pandemia. I am one of the affected due to covid-19, and my family also experienced complications. We have been through family health problems. 

Besides all the family health complication that weve been through, my email address was hacked by XXXX, XXXX. Due to this, I was not able to get my statement by XXXX, due to this, my payment was not received. Now this late is being reported in XXXX. This is an overwhelming situation! Believe me, I never meant to be late. This was a situation that I could not control, since I did not receive the statement, and with all the stress due to this virus, it was completely overwhelming. 

I have more than one account with Capital One, but the one that I want to bring your attention to is the followong : Account # XXXX, opened date : XXXX XXXX, XXXX, limit {$7000.00}. 

I am demanding this late mark to be removed. I know Capital One since a long time ago. I know that Capital Ones policies are very human, and I am just requesting a fair solution. 

Please send the attached document to Capital One. I want them to know that my story is true, that I am desesperately explaining my request, but I want them to know that I deserve this late mark to be removed. I am not willing to have it on my report, since it was not my fault. Any can get his email hacked, and I was a victim of this identity theft. 

Thank you for your consideration.
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (OH)

After several years of monitoring my credit on credit karma, this company advertised a checking and savings account and claimed these services can be used just like a bank. I applied for a checking spend account with them, with the expectation that it would be used just like a checking account. 
On XX/XX/XXXX, I checked into a hotel and used my credit karma debit card to pay. The funds were deducted from my account, and placed on hold by credit karma. This meant that I did not have access to these funds, and the hotel could not access them either. I called credit karma customer service several times to explain my predicament and was told customer service could not help me, and my case would be transferred to a special team that apparently could only be reached by email. This special team was supposed to be contacting me in 20 minutes. This never happened. I was never contacted back, in spite of calling back and explaining my check out date is on the XXXX, and I needed the payment to check out. I was forced to make other arrangements to pay for my hotel stay and was never given an explanation as to why my funds were placed on a mysterious hold by credit karma. 
This company clearly lacks the capacity to function as a financial institution, and therefore must not be allowed to advertise themselves as one. I am still waiting to hear back and get a logical explanation on why my money is still on hold and naturally will close this account as soon as I can access my money again
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is reporting and account on my credit file that is actually past the statue of limitations. I have disputed it with the bureaus and XXXX has said the information they are reporting is accurate. That is not accurate. There has been no payments or activity on that account for over 7 years. They sent a correspondence showing the last four of the account number as XXXX
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting and account on my credit file that is actually past the statue of limitations. I have disputed it with the bureaus and XXXX has said the information they are reporting is accurate. That is not accurate. There has been no payments or activity on that account for over 7 years. They sent a correspondence showing the last four of the account number as XXXX
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CA)

I spoke with a representative on XX/XX/2020 and told them I was having problems paying my bill due to COVID-19. Chase calls my cell phone number 3 or 4 times a day, leave me messages, and sent me emails about the bill. I am having a hard time paying because I have XXXX  XXXX jobs since XXXX 2020. I have barely enough money to buy groceries since they cut EDD benefits. I have 2 credit cards with them Southwest Chase and XXXX XXXX credit card. They lowered the credit card balance on one card and on the other card they raised the payment amount to 3 times the amount. Chase has been known to be a prejudice and XXXX company.
Consumer complaint received 2020-08-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC. (CA)

Optum bank has lost payments, let unconfirmed payments to providers sit in escrow for more than 90 days without notifying me, and is refusing to cancel rejected transactions and credit my account. Additional payments have been 'lost ' and are untraceable leaving me with credit damage and without audited account debits