davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (CA)

We were referred to guaranteedrate.com to try to buy our first house with our VA Loan by a friend after XXXX XXXX lender was negligent. XXXX XXXX lender worked on getting us a loan for 3-4 weeks and turns around and says your wife is a XXXX which is great but she works for a temp agency, we cant work with them. Which is fine. This is XXXX to the end or middle of XX/XX/2021. We go to guaranteedrate.com. XXXX XXXX sends us a letter saying you have 20 days to get a conditional approval for the house. After they failed to do their jobs at XXXX XXXX. We were penalized. We told the new lender and they said they understood. They would ask for documents, we would send them and not hear back for a day or two. This would go on for a month in a half. We then were transferred over to a partner at guaranteedrate.com without warning. They got everything to the underwriter and thats when the communication got super unprofessional. We stopped getting calls and e-mails. My real estate agent had to call their supervisor. They did nothing about the professionalism or lack there of. They were emailing me as if I was the real estate agent asking for everything instead of my agent who email and called them. We havent spoke to them since Friday it is now Wednesday and we are left in the dark and dont know what to do. This first time house experience for us as veterans was absolutely horrible.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (IN)

Revoked my ach authorization from the company sezzle in mid XXXX. XXXX weeks later my wallet was stolen and I ordered a new debit card from my bank with a different card number because of the theft. Wake up this morning, XX/XX/XXXX, to several XXXX dollars drained from my account by XXXX Contacted the bank and the bank told me, without my permission, gave XXXX my new debit card number and XXXX used it to overcharge my bank account by hundreds. Contacted key and was told they gave XXXX my new debit card number because I have had buisness with XXXX in the past. Both companies are breaking federal law by not acknowledging my XXXX authorization letter and key is breaking privacy laws by giving my debit card information to whomever calls and asks for it.
Consumer complaint received 2022-11-23
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: MOHELA (TX)

Mohela is my loan servicer. I'm in the middle of a PSLF application and a consolidation. I have had my loans in forbearance and deferment. One day ago, I noticed my credit score dropped XXXX points because Mohela mistakenly did not apply my forbearance and deferment. I'm not quite sure what happened. When I try to call them, I am on the phone hours at a time and I'm always transferred to a supervisor or account resolution specialist that does not exist. I have been on the phone waiting for someone for two- and three-hour intervals listening to their awful music. I can't believe that this is how a company operates. It is unbelievable that the person I need to resolve this situation is hours away. I want to speak to someone to solve my problem. These companies buy and sell my debt like it's some kind of asset for them. They can destroy your credit and create a situation where you can lose your job if you have security clearance. It is one of the worst customer service situations I have ever had to deal with. I want to speak with a customer service person who can correct my credit report without having to wait four hours on hold. No one is that busy, but I do believe they very inept and in charge of more than they can handle.
Consumer complaint received 2023-02-17
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: CITIBANK, N.A. (CA)

Best Buy continues to report late payments on two accounts that I had with them with an exceptional payment history. I have recently resolved a different matter with them though they closed ALL of my accounts prior to a favorable resolution. The late payments in question are reflected in the year 2019. I have made several requests for proof of the late payments from Best Buy to no avail. Best Buy has not only ignored my requests but has erroneously " updated '' my credit report by simply moving the months in question around by a month or two.
Consumer complaint received 2021-12-22
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (AZ)

Wells fargo closed my account because a payroll check I deposited was no good. Isn't that what a bank is for but instead they froze my accounts and kept my funds that were in my account for over a month. And I didn't have online access to my accounts and they also froze my debit cards and I'm XXXX and couldn't pay for my supplies or my nurse.
Consumer complaint received 2021-12-22
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. (MD)

I recently reviewed a copy of my credit report and realized that Transunion is not in compliance when reporting information to my credit report. The information they are reporting is NOT correct, accurate, and/or verifiable, and some of the information in my credit report seems to have been mixed or merged. Pursuant to the FCRA ( Fair Credit Reporting Act ), 12 CFR 1022, and the standards of their industry, all information reported by credit reporting agencies MUST be verifiable, MUST match, and MUST be accurate to ensure the integrity and consistency of the information they report. I've also requested Transunion to provide me with the agreement that bears the signature of the alleged debtor and proof of photo identification that was presented at the time of incurring these debts in order to ensure they properly verified these accounts. These errors and negligence have been causing me great inconveniences and have affected my ability to utilize my credit for personal, household, and family purposes. The referenced accounts need to be removed immediately and Id like to receive a copy of my credit report reflecting all changes made immediately. I have also attached photos of my credit report reflecting these numerous errors. 
XXXX XXXX XXXX XXXXXXXX XXXX - credit card account XXXX XXXX XXXX loan account XXXX XXXX XXXX XXXX XXXX - credit card account XXXX
Consumer complaint received 2022-01-11
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. (GA)

I was taken advantage of after several of accounts were removed form my account then replaced. This is a updated report that was recently pull and none of my reports from the bureaus are reflecting. Please correct information. Once information is removed, you can not go back and put it on my report again which you did. I am being taken advantage of, many practices are been broke by your company. You have hurt my ability to obtain credit and I cant get a sba loan for my current business. Please XXXX HELP ME IN THE TRYING TIME. I CURRENTLY HAVE XXXX AND HAVE BEEN IMPACTED BUT STILL I PAY MY BILLS ON TIME. I WANT ALL NEGITIVE ITEAMS REMOVED FROM MY CREDIT REPORT AFTER SEVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY UNDER THE FCRACT.
Consumer complaint received 2021-04-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX my wife and I went to XXXX XXXX XXXX in XXXX Florida very sick with XXXX  XXXX. The Urgent Care Provider asked us to paid {$75.00} each for our deductible total of {$150.00} to see the doctor. Two days later our XXXX XXXX tests confirmed according to XXXX that were suffering from XXXX XXXX. Per the CARES Act our medical insurance Provider is responsible for 100 % of our care due to XXXX XXXX. Our insurance carrier XXXX XXXX XXXX XXXX XXXX  confirmed in our claim statements that both my wife XXXX and me had no financial obligation to XXXX for the charges they made on our credit card and we were due a refund of {$150.00}. 

XXXX does not return phone calls left to their billing department so on XX/XX/XXXX we disputed our 2 credit card charges with Capital One. On XX/XX/XXXX I talked with XXXX Final Dispute Mgr at Capital One and she told me she would NOT ask XXXX for any documents regarding our disputed charges and without going forward to see if XXXX would honor our dispute and refund our money she simply denied we had any recourse under the CARES Act or various CFPB Guidelines that has dealt with XXXX  XXXX issues. Capital One totally ignored two Federal Laws by denying our disputes without fully investigating our claims.
Consumer complaint received 2019-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Contacted XXXX and Transunion multiple times concerning XXXX XXXX. 
XXXX stated they investigated claim but never initiated a dispute after stating they were investigating XXXX XXXX. XXXX XXXX admitted that I XXXX XXXX and my wife XXXX XXXX paid of account. XXXX XXXX is reporting false fraudulent information to Trans union and XXXX and the to credit bureaus are allowing it because XXXX XXXX is a paying customer. This will be my last and final warning to XXXX  and Transunion concerning XXXX XXXX or I will be filing suit for violation of FCRa 609 611 612 616 as well as defamation. 
Ive given you time to investigate properly as stated in FCra now Im demanding a deletion. 
XXXX has deleted this account because they actually did a thorough investigation. Please see attached and no response we are lookinh into it no more stall tactics.
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I received a check on XX/XX/21 deposited the check on XX/XX/21 via the Chase ATM located in XXXX, Colorado off of XXXX and XXXX. The ATM receipt stated there would be a seven day hold on the check which is concerning because Chase has now held four checks that I have deposited for absolutely no reason stating that due to my relationship with the bank yet they refuse to tell me what has caused the hold and why theyve been so long. Along with why they can not release any parts of the funds. I spoke with the branch manager XXXX on XX/XX/21 and he assured me my funds would be available today after midnight XX/XX/21 and I should check my account at XXXX EST. I went to sleep my account had {$48.00} available. This morning when I checked my account is now in the negatives {$14.00} and XXXX tells me that I have poor money management that resulted in my account being overdrawn which should not have happened as the funds should be available. Due to the rapid transmission of coronavirus I did not feel comfortable going into the bank unless I have a true issue which is why I use the ATM to limit the amount of exposure. XXXX then proceeds to tell me I should have come into the branch to cash the check when I have not had great experiences trying to cash checks in the past with Chase and have been forced to deposit them and wait seven days up to 14 depending on how Chase feels about releasing my funds. My husband was able to call in and get the hold released off of an {$11000.00} check that had nearly a two week hold. I deposited a VA check and there was a three day hold which VA checks are guaranteed funds and should be available same day! Chase has a habit of holding my checks for no specific reason and can not provide detailed information as to why the continue to keep holding my funds. Theyre now saying my funds will not be available until XX/XX/21 which is unacceptable. When I called the Chase customer service number on XX/XX/21 they stated multiple times there was no hold on the check yet the funds were not available. They then transferring me to a check verification queue which I held for over two hours twice and still no conclusion as to when my funds will become available. Chase is being very discriminatory with the holds they have egregiously placed on the checks I have cashed with their bank well over the last 90 days.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I have a checking account and brokerage account through Citibank. In 2020, their brokerage operation requested KYC information twice. I called back after I received a paper letter request ( I was told the issue was new stock purchasing pattern ). I also responded to an emailed request to update my details through Citi 's mobile app. Despite of this, Citi froze my checking account. Relationship manager XXXX XXXX was able to restore my checking access after a couple of days. Later to the surprise of XXXX and myself, Citi 's brokerage operation again froze my checking account. Branch manager XXXX XXXX promised results from internal investigation two months ago, but I have not heard back from since. Two days ago I got a third request from Citi 's brokerage operation for urgent information update, again with the threat of freezing my accounts. 

Repeat information requests and multiple account freezings have taken together almost a full working day of my time. They have also caused delays paying my house building contractors and I had to spend time finding alternative payment methods. It seems to me an overreach for brokerage operation to freeze access to my checking account funds. It may not even be legal.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Continental Finance Company, LLC (AL)

XX/XX/2019 i submitted an application on XXXX. They misrepresented they asked for a second verification i was told i was a approved before i submitted the information. Was not approved. They have my address birthday social security number an phone number. I have applied before with this credit card company got a approved for a {$500.00} dollar deposit via email i was sent the approval. They are fake they will take your money. This is the email i sent my information too. XXXX XXXX XXXX this is what i received 72 hours later not to mention a duplicate application they said i submitted.
Consumer complaint received 2024-02-20
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. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-23
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XX/XX/XXXX This information reporting on my credit profile is inaccurate. Late payment are reporting on this account.This is not true. I request that you verify the information and update the payment history on these accounts as " paid, Never late ''. 

Experian XXXX XXXX Account numberXXXX Open Date opened XX/XX/XXXX XXXX XXXX Account number:XXXX Open Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number:XXXX  Open Date opened : XX/XX/XXXX XXXX Account number XXXX Date opened : XX/XX/XXXX XXXX XXXX Account number XXXX Open Date opened : XX/XX/XXXX XXXX XXXX XXXX : Account number:XXXX Open Date opened : XX/XX/XXXX XXXX XXXX Account numberXXXX Open Date opened : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I was charged {$280.00} incorrectly by XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ). I contacted XXXX, and was able to correct the information, and was sent a letter by XXXX XXXX from the XXXX XXXX office on XX/XX/2018. He informed me this was also being sent to all 3 credit reporting agencies, and should be removed in a month 's time. It is still on all 3 credit reports, and I am unable to have it removed.
Consumer complaint received 2019-09-09
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)

Experian is reporting incorrectly collections on the XXXX XXXX XXXX   partial account numbers are listed below. ( For further reference, please see pages 12 and 13 attached from my credit report. ) The company I worked for at the time covered all expenses on medical. I have attached copies of my insurance cards. The company has since close, however they are still responsible to pay these expenses. I was adequately covered by insurance at the time, and these outstanding balances due are not my responsibility. This incorrect reporting of multiple collections is harming my credit score. I have contacted the bureau to remove these line items from my credit report however, I have not been successful. 

Company Name Number Collection Amount XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXXXXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX XXXX XXXXXXXX {$460.00}
Consumer complaint received 2021-12-22
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. (MD)

I recently reviewed a copy of my credit report and realized that Equifax is not in compliance when reporting information to my credit report. The information they are reporting is NOT correct, accurate, and/or verifiable, and some of the information in my credit report seems to have been mixed or merged. Pursuant to the FCRA ( Fair Credit Reporting Act ), 12 CFR 1022, and the standards of their industry, all information reported by credit reporting agencies MUST be verifiable, MUST match, and MUST be accurate to ensure the integrity and consistency of the information they report. I've also requested Equifax to provide me with the agreement that bears the signature of the alleged debtor and proof of photo identification that was presented at the time of incurring these debts in order to ensure they properly verified these accounts. These errors and negligence have been causing me great inconveniences and have affected my ability to utilize my credit for personal, household, and family purposes. The referenced accounts need to be removed immediately and Id like to receive a copy of my credit report reflecting all changes made immediately. I have also attached photos of my credit report reflecting these numerous errors. 
XXXX XXXX Bank XXXX XXXX - credit card account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX - credit card account XXXX
Consumer complaint received 2022-10-11
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. (TX)

REFERENCE CFPB COMPLAINT NO. XXXX CREDIT REPORTING AGENCIES CONTINUE TO BE IN VIOLATION BY NOT DELETED ERRONEOUSLY REPORTED INFORMATION. 

PLEASE SEE ATTACHED DOCUMENTS. YOU WILL SEE WHAT THE CREDITOR SHOWS AS PAID AND WHAT THE CREDITORS REPORT AS LATE. BIG DIFFERECNE!!