davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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. (AZ)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-02
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. (IL)

I HAVE TAKEN A LOOK OVER MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND INQUIRIES REPORTING ON MY CREDIT FILE. THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME. PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-18
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. (NY)

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 and XX/XX/XXXX I wrote Experian they failed to reply within 45 days to verify these inaccurate accounts. Please delete and block these negative accounts from my credit report, they are causing serious harm.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX, on behalf of XXXX XXXX XXXX entered a false derogatory credit report about me to XXXX large credit reporting agencies. XXXX XXXX  on behalf of XXXX subsequently told me they rescinded those reports. Two of the agencies indeed deleted the reports. Experian apparently did not. XXXX bank denied me a bank account, citing Experian.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (WA)

I opened online banking and noticed PayPal was ripping off my money {$14.00} bucks here {$8.00} There and did this several times. I'm working with my credit union to get my money back but can only go back 90 days. And there is money stolen before 90 days. When I asked PayPal for help in the resolution center, they brushed me of with some AI program. All responses started with we know how you fell ... But all acted like it's my fault verify your account. They stole my money. I want my money back.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

My old loan transfer to a new co.. In XXXX of XXXX.I pay my first payment, XXXX. In XXXX. I have call and call no answers. I got my bank involved. Bank said it was cash on XX/XX/2020. I also had a 3 way conversation with the bank plus the mortgage co. I still have no results. It has been 4 months. Customer service has no facts. Waste of time. It is XX/XX/2020 still trying to get my mortgage up to date. The payment I made in may is for my house payment and nothing else. If they put it some place else they should let me know by a letter.
Consumer complaint received 2020-08-18
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. (SC)

My name is XXXX XXXX Soc Sec # XXXX. 

The account is with XXXX XXXX Auto Loan account # XXXX amount {$17000.00} with the monthly payment amount of {$350.00}. This account belong to my XXXX sister. I co -signed for my XXXX sister to get a car previously with XXXX XXXX XXXX that car was totaled lose, and that loan was paid off. 

My sister went back to get new car form that same dealer ship ... that financed that car with XXXX XXXX ( this below info ) I did NOT sign any documentation for the new car my XXXX  sister obtained the above loan on her own. 
I have asked XXXX XXXX to remove this account from my credit report, to date it has not been done.
Consumer complaint received 2020-10-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

My mortgage loan was service transferred to XXXX XXXX in XX/XX/2020, at the time of service transfer the loan was boarded and coded as a discharged Chapter XXXX  non-reaffirmed loan significantly impacting my credit. 

I submitted a NOE and the issue was not addressed. I called XXXX  XXXX XX/XX/2020 and was advised there was a systemic issue and approximately 26K accounts were impacted and flagged as either an active or inactive Bankruptcy where the consumer was NEVER in a bankruptcy nor was the property a part of a bankruptcy. The representative was going to escalate this account to have the bankruptcy flag removed and issue an ACDV  to the credit reporting agencies to correct the error. 

I called to follow-upXX/XX/XXXXand spoke with a supervisor after I was on hold for 35 minutes and the representative could not advise of the bankruptcy case number on file or any evidence to support why the loan was coded as a discharged bankruptcy. 

Not only did this effect me but several other consumers who may not be knowledgeable to mortgage servicing regulations and requirements. XXXX XXXX failed to properly investigate the account when the NOE was submitted advising of such error. XXXX XXXX dropped the call, creating additional stress and time creating another call back and being on hold for almost an hour only to be rerouted the the bankruptcy department hung up on significant hold times. 

I was unable to to speak to a supervisor today, and was advised I will receive a call back later today. This has caused unnecessary anguish and stress. 

Also due to the incorrect credit reporting I had to pay a higher interest rate on a vehicle I recently purchased where this issue was brought to my attention again. 

Additionally - the Periodic Billing Statements did not have the appropriate Bankruptcy disclosures for a discharged non-reaffirmed chapter XXXX since the loan was coded as such.
Consumer complaint received 2023-07-02
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: JPMORGAN CHASE & CO. (OR)

On XX/XX/2023, I bought a {$50.00} visa gift card at XXXX store. I initially used Chase Credit card to pay for it but it did not go through even though I tried 5 times. Ended up had to use my chase Debit card to pay for it. 

On XX/XX/2023, I saw that XXXX charged me XXXX on that transaction. I then disputed it through Chase mobile app. Chase credited me back at that time. 

On XX/XX/2023, I saw the charge from XXXX came back and show up on my billing statement. 

On XX/XX/2023, I called the Chase customer service to report the charge that I disputed a month ago came back on the billing statement. I found out that the dispute I made initially was considered as fraud claim, and I was directed to send chase a message to explain what happened. 

On XX/XX/2023, I sent the message on Chase webpage. 

On XX/XX/2023, I received the statement from chase that " You are responsible for the charge. Reason is that You received benefit from this transaction. ''
Consumer complaint received 2023-05-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (MI)

COMPANY WILL NOT RESPOND AND KEEPS MARKING COMPLAINTS AS DUPLICATES. Using this complaint number for the CFPB Ombudsman when they mark this as duplicate. 

This company : 1 ) Has a platform that made it impossible for me to pay installments.

2 ) Reported negatively on my credit report even though I contacted them about my issues.

3 ) Continues to delete requests through the CFPB with no response.

4 ) Has accused me of not being truthful when messages went into spam.

5 ) Tracks customer emails without customer knowledge.
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

XX/XX/2020 I was admitted into the hospital for XXXX   XXXX, etc. while I was in the hospital I had fraud happen on my CHIME CHECKING account. I was discharged from the hospital XXXX XXXX, 2020. While I was in the hospital I received a direct deposit payment from unemployment Florida DEO because Im on unemployment. The deposit amount was {$250.00}. {$230.00} was taken/ withdrawn from my account. On XX/XX/XXXX, there was a payment of {$16.00} to XXXX  XXXX  which I dont even have anyways, and {$3.00} at something called XXXX XXXX  XXXX XXXX. On XX/XX/XXXX I received a deposit of {$900.00} from unemployment. {$500.00} was taken/withdrawn, 3 charges at XXXX totaling {$100.00} and 2 more charges at XXXX totaling XXXX and XXXX. That same day a charge at XXXX was made for {$9.00}. On XX/XX/XXXX before I was discharged another deposit was received from unemployment for {$300.00}. A {$240.00} payment was made to some insurance company. I reported the fraud as soon as I got home when I saw it. I notified them that my wallet was stolen, along with my cellphone, as well as important information in a notebook I had that was pocket sized. After making my claim I realized my entire account was compromised. I received another unemployment payment of {$300.00} to be taken/withdrawn again! On XX/XX/XXXX there was a mobile deposit made in the amount of {$220.00}. I have never deposited 1 check as long as Ive been using Chime which has been a while. Thats when I dealing account was compromised. Following finding this out I made another claim to let them know what was going on. I changed my password and my phone number on my account and they issued a new card, etc. Both of my claims were denied even though I submitted all the information they asked from me as well as documents showing that I was admitted into the hospital on XX/XX/XXXX and diacharged XX/XX/XXXX. They said that nothing unusual happened on my account and my claim was denied. I am so mad and frustrated I do not know what to do. Its point blank and pretty obvious fraud was happening if I was in the hospital for so long and I have out NO INFORMATION or any permission for someone to use my account. Im so upset. All the charges come out to about {$1700.00}. I read online how CHIME is notorious and known for denying mostly all the claims that they received. Please help me get my money back. This is not fair that I am a victim of fraud and I have to suffer. Im almost homeless, I have no money for food or my phone or gas. Im so behind on my bills and I cant even catch up. I supplied everything I was supposed to on the claims. The claim numbers are XXXX and XXXX.
Consumer complaint received 2020-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX card is listed on my credit. Debt does not belong to me. Tried fixing with company, company states can not find account even if I send them information on credit bureau. The debt isnt mine Ive had a fraud alert on my credit report since 2007. No credit is supposed to be opened on my credit file unless I am called on number provided on credit report. 

This is fraud please remove. Thanks
Consumer complaint received 2020-08-18
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: Exeter Finance, LLC. (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-18
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: ERC (PA)

Enhanced recovery place a collection account from XXXX on my credit report I put in a dispute with XXXX  and let them know it was a case of fraud but they didn't remove the account. This account doesn't belong to me someone used my name without my permission.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I have a loan with BLOOM/DSNB. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and BLOOM/DSNB with no successful resolution. XXXX and XXXX are only reporting me late. There was definitely an error on their part. I was never 120 days late.
Consumer complaint received 2020-08-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WI)

DO NOT CLOSE MY COMPLAINTS! THEY HAVE NOT BEEN RESOLVED REFER TO CASES XXXX & XXXX I just received a call from the title company on Friday about signing for my COVID19 forbearance plan, but I have already signed this!!!! It has been 3 weeks since I stated that we need a split signing and they have not sent any paperwork to my sister in XXXX  to sign! This is ridiculous. Meanwhile my account is still frozen and all the payments I make are unapplied. My statements show I owe 4 payments when I have made my XXXX, XXXX, XXXX payments!!!! HUD is only paying the XXXX & XXXX payments. I also requested a new case worker on my account and shes as useless as the other guy. She said she would followup. She did once and haven't heard anything. The system also reroutes me to the original person and that should not be happening. Please Advise.
Consumer complaint received 2022-05-29
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. (TX)

On XXXX I mailed off letters disputing negative information found on my credit reports. It's been more than 30 days and I still haven't received any information in regard to the the account 's disputed. I am aware that credit reporting agencies have 30 days to respond to disputes but Experian has not followed up with me in a timely manner. Therefore I'm submitting this complaint in hopes to having my issue be addressed and corrected. 

I have attached to this complaint the original letter mailed off and my only two forms of i.d . 
verifying that this complaint is indeed from me and not a third party.
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

On XX/XX/2020 I made my ( USAA/XXXX ) mortgage payment with an additional principal of {$460.00}. Initially, the USAA app on my phone reflected the new balance after a couple of days as did the " My Accounts '' screen of the web application. A couple of days later, the balance on my mortgage on the phone app and web app screens was increased by {$460.00} to {$11000.00}. I went into the web app to check Payment Activity screen and noticed that after my payment was submitted, it was debited and credited many times, with the last debit eliminating my {$460.00} principal payment. My payment was submitted in a straightforward manner through the web application with the {$460.00} amount clearly marked to be applied to principal. 

On XX/XX/2020, I called the customer service number for the mortgage company and eventually spoke to XXXX XXXX, who said that " the Payment activity screen is just not updating '' and that XXXX can not be held accountable for any balance that is part of my USAA app because that is not their screen, so if it's wrong, I should speak to someone at the bank about that. Then he told me that I should " trust '' that XXXX understands that I only owe {$10000.00} and if I need an accurate printout of my balance, I would need to call the customer service number every time because it is inappropriate to rely on the web application. XXXX said he would " get in touch with the web developers '' and then noted that he would only be calling me back if they called him back because otherwise, he was too busy. He did give me the name and number of his supervisor, XXXX XXXX, and sent me what he said was an official record of my payments, which differed from the " official record '' I downloaded from the homeusaa.com. 

I called XXXX XXXX and she promised to have someone call me by XXXX XXXX  XXXX on XX/XX/2020 to tell me when the discrepancy would be resolved. Ms. XXXX also told me I needed to " trust '' XXXX. When no one called by XXXX XXXX  EDT, I called Ms. XXXX back and she told me that " I swear '' that someone would call me tomorrow morning ( XX/XX/2020 ) at XXXX XXXX. She then reiterated that I needed to trust her. When there was no call by XXXX XXXX  on XX/XX/XXXX, I called Ms. XXXX back and she had rerouted my call to an anonymous number, somewhere in Indiana with a voicemail that only gave the forwarded number and then beeped. This morning, XX/XX/2020, I  tried to call Ms. XXXX again and had the same result. 

I called USAA, the company with which I dealt ( I am a veteran and the mother of XXXX actively serving soldiers ) to obtain my mortgage. I spoke to " XXXX '' with the executive resolutions team and she told me there is nothing she can do because " I do not deal with mortgages ''. 

As of XX/XX/2020, my mortgage balance shows as {$11000.00} ( {$460.00} more than is accurate ) on the web application, the mobile app and the Payment Activity page of homeusaa.com. 

Please advise
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (PA)

I have contacted reliacard several times ... I am awaiting financial help from XXXX  ... a card was sent out a month ago but not to my address on file with the Dept of Labor and they will not send me another one because I don't know the address they sent it to ... I've spent hours on hold waiting to discuss this and 4 people have not helped yet they say they can not do anything ... I say how could they send it to some other address it should be one on file  from the XXXX  not what they previously may have had ... I really need help ... I've had no money at all and am only staying alive due to help from food bank ... please help me
Consumer complaint received 2020-02-07
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. (AR)

My identity has been stolen. While I was trying to purchase my first home through a first time home owners program I was told when they pulled my credit that there was no way I could become a home owner with all the derogatory items on my account. The accounts showing on my report do not belong to me. They are fraudulent accounts please remove them from my report. 

XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$970.00} XXXXL XXXX XXXX {$440.00} XXXX XXXX {$970.00} JXXXX XXXX {$790.00} XXXX  XXXX XXXX {$190.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$790.00} XXXX XXXX   XXXX {$5900.00} XXXX XXXX {$14000.00} DPT ED/XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX {$4000.00} XXXX XXXX {$2600.00} XXXX XXXX {$2600.00}
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BlockFi Inc (FL)

I have the XXXX  - blockfi card. It appears they setup two different business to trick people. My credit card says blockfi and is setup and paid through blockfi website. Now that blockfi went into bankruptcy, XXXX pops out of now where and says i owe them. I asked them to pause interest while the bankruptcy is going on but they said NO. 


Called the XX/XX/13. spoke with XXXX. She gave me a XXXX reference number. She said she is not allowed to make changes. I asked to speak to her supervisor. She could not get him, but offered to have him call back. Said they were too busy and that still owed them money.