davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flatonia Investments, LLC (WI)

I have tried to get my PMI removed from my loan because I'm under the 80 %. I was promised this when I was originally talking out my mortgage and at least numerous times during the process. On the account page when I log on it directly states this as well. In XX/XX/XXXX or XXXX I asked for it to be removed and to start the process. I was told it would come off on XX/XX/XXXX and I wouldn't have to pay for it in XXXX. I then called back to double check on XX/XX/XXXX and was told it was still being processed and would officially come off on XX/XX/XXXX. I spoke to someone on the phone and they also gave me an email address to contact as well because the company didn't do what they promised. So I also emailed on XX/XX/XXXX. I also replied to their email on the XX/XX/XXXX and was told to let it take more time. 

I called on XX/XX/XXXX because it was still not off like they promised on XX/XX/XXXX. It still isn't off and they are now saying it was never processed back in XXXX, or in XXXX and the XXXX is the 1st time it was. The problem with this company is that when you call you only talk to a customer care representative that reads off of a computer. They don't know the answers and lie about dates/information. I've learned that when you call you have to demand someone in leadership. These people can only chat each other but have no direct contact with the actual department you need to talk to, in our case the PMI department. I keep getting ticket numbers that are supposed to be an official action and have called and been told 2 separate times our case is " escalated '' but nothing happens. We keep being told their an offline department and there is no way to actually get in contact with them. That " they can only message them '' They are a subservice company which deals in deception. How can you NOT give me a contact number or email for a department that I need to contact?!!! They have repeatedly lied about dates of when it would go into effect when in reality NOTHING was even being done. Numerous " leadership '' people will look into it and call you back in 24-48 hours. Guess what they DON '' T. I have spent HOURS upon HOURS of being on the phone for nothing to be done. 

We had an issue with them dragging their feet in processing our recast of the loan and that took over 30 phone call to resolve, actually done but not on time. Consumers should NOT have to deal with this. This is unacceptable for a business to operate. I honestly don't trust that they will process the removal of PMI that has been promised to come off in XXXX but still hasn't been removed.
Consumer complaint received 2023-03-07
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. (LA)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXX Account number XXXX XXXX, XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION (VA)

I have a car loan with navy federal. I communicated and arranged to make a payment on or before the XXXX of XXXX. ( Navy federal claims that if you community with them that they will work with you. Its only when you dont communicate with them that theyll assume you are not going to pay. ) I never had a 30 day late fee ; seven if I was late. 1. Because a 30 day late fee is only after youve been late 39 days. I paid {$1400.00} on the XXXX of XXXX. The payment processed on XX/XX/XXXX. XXXX now current, yet I get a 30 day late on my credit report for XXXX. My car payment is due every XXXX of the month. Again navy federal has never gave me a late fee. But lately they have been picking in choosing how they manage accounts. ( Like one time I scheduled a payment on the mobile app and they still garnished my money to pay on my car. In when I called the said even though I made an arrangement on there that I have to still call. However that never was so, but now its changed. ) When I called on the day I disputed the 30 days late for XXXX, the loan agent explained that it didnt matter if it wasn't a full 30 days. They report at the end of every month. In so what Im getting from this statement is that companies and banks like navy federal can report information on your report before 30 days. Or wherever they feel like it. So I disputed it with the credit bureau. In it came back today XX/XX/XXXX as update with only a check for XXXX and the 30 days is still there for XXXX. Why is something like a credit report is in place? Yet manipulated in twisted to the companies advantage. In its okay to give an explanation such as the one she gave ; in Im supposed to be okay with it!? If you have 30 days before you are late then it should be report on the XXXX day or after. And if you didnt report it, there should a time frame to do so. People are being deliberate and personal in their actions now a days. Manually doing underhanded stuff before they have the power. I my here is nothing in place to stop it. Ive sent in supporting documents to show my payment wasnt 30 days late from XX/XX/XXXX to XXXX when the payment was processed, but 19 days. I just hope navy federal can have some integrity in stop doing customers like they do. Then using the system maliciously to discredit you.
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOAN OR LEASES 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (FL)

I wanted to open bank account at Truist with XXXX dollars bonus. 
After I filled application, I received a confirmation that account is opened and I have to wait a confirmation in mailbox. At the same time I got account number and promo code after filling application. 
I tried to log in in the bank app and it offered to me to activate my account first by visiting one the branches. I visited a branch and was told that my account is closed and I can be ever their client because it was confirmed that I do fraud operations. And they gave me a phone number for a fraud services. I called this number and they can't help and only recommended to visit a branch. 
I bielive they just don't want to give a bonus. But the way they are working is iterally a scam. Don't recommend their service. And my credit score went down. I never ever had one payment for any of my credit cards. Truist services should be regulated and audited by government
Consumer complaint received 2021-10-12
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. (AK)

Hello my name is XXXX XXXX. I have a issue with a hard inquiry on my credit report. I have contacted both Experian credit agency as well as XXXX XXXX XXXX. Neither of them can fix the issue and I have no further options. The issue is that Experian is showing a hard inquiry on my credit report and they are showing that XXXX XXXX XXXX are the ones that pulled my credit report. I have never had any business or accounts with them. I called Experian to get it removed and they told me I had to go through XXXX XXXX XXXX. So I call XXXX XXXX XXXX to get to the bottom of this and XXXX XXXX XXXX can not pull up anything on me, using every piece of information I could give them. I DO NOT EXIST To XXXX XXXX XXXX. I told them I needed them to contact Experian for me and have inquiry removed from my report. XXXX XXXX XXXX would have been happy to do so but told me they were unable to do so because they have nothing to start with to start any kind dispute for me. So I call Experian back and tell them XXXX XXXX XXXX has no information on me to even settle a dispute. I asked them to remove the inquiry from my report and they told me they cant do anything without a document from XXXX XXXX XXXX saying that they didnt pull my credit report and that it is a mistake. And XXXX XXXX XXXX cant send that document to Experian because they have absolutely no information on me to generate a report and document. So I am stuck with a phantom inquiry on my credit report that neither Experian or XXXX XXXX XXXX can explain to me. So please I need your help in contacting these companies on my behalf to get them to resolve this issue for me. 

The date of the inquiry was XX/XX/XXXX I have contact both Experian and XXXX XXXX XXXX on the telephone on todays date XX/XX/XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2021-10-12
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. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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 -XXXX XXXX # XXXX
Consumer complaint received 2021-10-12
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. (NC)

The below accounts are being reported in error : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - {$210.00} Account # : XXXX XXXXI ( Original Creditor : XXXX XXXX ) - {$1700.00} Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - {$490.00} Account # : XXXX *XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - {$71.00} Account # : XXXX *XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX ) - {$920.00} Account # : XXXX *XXXXI - {$1700.00} Account # : XXXX
Consumer complaint received 2021-10-12
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)

Transunion refuses to delete the negative reporting of my Chapter XXXX public record. Transunion refused to review my dispute and referred me to XXXX XXXX, a third party reporting agency. XXXX and XXXX complied after receiving my dispute with the letter from the bankruptcy court stating the courts do not report to credit bureaus. I tried over 3 times to reach out to XXXX XXXX, but they refuse to confirm how they received my information. Each time, they provided me with a code to review my XXXX XXXX report. This is absolutely a violation of the FCRA and I want Transunion and XXXX XXXX to be held accountable. The negative reporting from Transunion has ruined my life and credit profile. I am unable to get housing during this pandemic because of this negative reporting.
Consumer complaint received 2021-10-12
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: CONTRACT CALLERS INC (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-10-12
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. (LA)

Last year I filed my tax return and found that someone had already filed a fraudulent return acting as me. I called the IRS and was told to complete form 14039 Identity Theft Affidavit and submit it to the Internal Revenue Identity Theft Department and I did. 
I was then told to contact all 3 Credit Bureaus to see what other fraudulent activities that was illegally in my name. 
Because of our lockdown restrictions and severe loss due to Covid and now Hurricane Ida, where our homes have been destroyed and need full restoration I have been beyond busy. In addition, I am a sole provider for my family. I am taking care of my sick XXXX mother and Uncle. However, I have just settled to begin reviewing all of my accounts and found that I have numerous inquiries and accounts from someone illegally trying to get credit in my name. 
I began immediately disputing them with help from Experian and XXXX, but XXXX stated they could not help me with the process over the phone. They stated I needed to send in multiple letters and other information. 
I have no idea why they wouldn't help someone in such a horrible position, but they would not even start the process without me sending in multiple forms of documentation. That was infuriating, especially when my co-worker had her inquiries removed over the phone a couple of days ago, but they demanded I do multiple tasks before they even input the reasoning for my call, and they kept me on the phone almost a hour to only tell me write down a list of things I needed to do in order to update information.However, I am accustomed to unfair treatment at this particular time in my life, but it is still unfair and unethical. However, I have notice that there are items on my credit reports that do not belong to me, some I have never noticed, therefore I would like to begin the process to having it removed with the assistance of the credit bureaus. This is unbelievable that people would use your identity fraudulently and leave me in a bad place. This have taught me to not share so much of my personal information over the internet on open websites, because that's where my information have been stolen and through big creditors data leaks. I have been the victim of several data leaks. I have received multiple letters stating that my name and information was listed in a data leak. I am now extra careful on where my information is displayed, used and stored.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AXOS FINANCIAL, INC. (TX)

As of today, XX/XX/2021 per my APP, XXXX, XXXX and XXXX are still pending from my account and reflect, " processing ". XXXX even stated which I have in writing, advised they were still withholding funds from the account. The amounts that were pending authorization, have not been released. I've followed the protocol to submit the form in which four points provided too and there is still not a solution. This is unethical and I would like a ledger balance showing the pending hold and the so called proof of the release on paper. It seems that when there is a hold, there is a disconnect with the app and the funds appearing they're being released on XXXX end. In reality, they're not. Please review properly.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (GA)

After checking the IRS get payment tool, I learned that my stimulus was to be deposited into my American Express Personal Savings account on XX/XX/XXXX but I didn't receive it. I called customer service to see if there was an issue or to get the reason the payment hadn't posted to my account. I was told that a bank error caused my stimulus to be rejected and sent back to the IRS. 

My first stimulus was successfully deposited into the account back in XXXX, but I had an issue when I attempted to transfer it to an external account. I called customer service and I was told that I needed to verify the external account I recently added. I did, and I was told that the hold had been removed from my account. I did successfully transfer that deposit so I didn't think there were any further issues. 

However, today when I contacted support to inquire about the status of my most recent payment I was told that the hold from XXXX had not been cleared in error and that my stimulus deposit was returned to the IRS. I am desperate for assistance in getting this corrected.
Consumer complaint received 2021-10-12
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: TD BANK US HOLDING COMPANY (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account NORDSTROM/TD BANK is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — Store credit 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: Affirm Holdings, Inc (OH)

I placed an order XXXX for a refrigerator from XXXX that was delivered on XX/XX/2022, using affirm loan. Unfortunately, it was the wrong size, so I called XXXX to order a replacement and they gave me a new order number XXXX which was agreed to be delivered on XX/XX/2022. It was agreed that the old refrigerator will be picked up while they drop off the new one. 
On the day of the replacement the old order XXXX was picked up by the same delivery company ( XXXX  ). However, I have been charged for both refrigerators. 
All efforts to contact XXXX to resolve this have proved futile. I have also raised concerns with affirm/Samsung about this error and asked them to refund one of the charges, but nothing has happened. 
Resolution : I am requesting XXXX or Affirm to refund me order number XXXX as this order was picked up by the delivery company ( XXXX  ) on XX/XX/2022.
Consumer complaint received 2021-10-12
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. (FL)

I have two dismissed bankruptcies on my Experian report. I have disputed these bankruptcies for years. Finally Experian told me that I had to dispute them with XXXX, which I did. XXXX removed them. Experian still refuses to remove them, saying that XXXX is certifying that they are in their data base. XXXX is telling me that they are not certifying to Experian that these bankruptcies are in their database. Im caught in the middle. I have letters from XXXX saying they were removed, which Experian is ignoring. I want these items removed. It should not take years to have this corrected.
Consumer complaint received 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

In XXXX of this year, I started an assistance application with Select Portfolio Servicing in regards to my mortgage as fell behind due to lack of rent. Im currently in forbearance until XXXX and Ive been making payments. After almost months and doing everything they asked of me many times, I received a letter I qualified for nothing and my only options are foreclose or sell. I dont think this is fair because Ive done everything asked of me, including working with HUD . During these times where jobs and rents came with much uncertainty ; one would think they would be more acceptable to working with a person who has lived here 20 years.