davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
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: CITIBANK, N.A. (NC)

On XX/XX/2021 I made a purchase in the amount of {$800.00} on XXXX using my Citi credit card. On XX/XX/2021, I canceled the order, the seller would not refund, and the seller did not and would not ship the item. On XX/XX/2021 I filed a dispute with Citi cards for the purchase. On XX/XX/2021 Citi declined my dispute. In their decision, Citi referenced a response from XXXX. XXXX stated it was an Invalid Dispute - Services or merchandise were provided prior to cancellation date. No proof of cancellation was provided. This is false, the merchandise was never shipped or provided! On XX/XX/2021 I contacted XXXX, and they would not assist, as they said it was up to the credit card company. Im not sure why XXXX gets to decide, as I purchased directly on the XXXX website. 

I paid for an item I did not receive. I canceled on XX/XX/2021. To date I have not received the item, nor have I been refunded. It is not marked as shipped on XXXX, there is no tracking number. Even in the response from XXXX, there is no tracking number or shipping information. 

Attached are the correspondence with Citi, XXXX and the XXXX  seller - I clearly ask the seller to cancel, and refund on XX/XX/2021. Also attached is the XXXX  page showing that the item was never shipped. 

Please help! I dont know how this is complicated, I paid online for an item, that was never sent, and I wasnt refunded. I could lose {$800.00} dollars. Im single father and I cant afford that.
Consumer complaint received 2021-03-19
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: EQUIFAX, INC. (UT)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sequium Asset Solutions, LLC (CA)

Recently a collection was added to my account for {$650.00} and it isnt me I tried to tell transunion but they dont care I guess they just want to pin the bill to someone I have never had cable in XXXX so Im not sure how this is possible please help me I was barley getting my credit score to XXXX and now it was knocked down to XXXXand no matter what I do i cant get me credit score back I go to XXXX college and will need good credit to get student loans. Ive never applied for cable or have had cable or anything in my name in XXXX county.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2021-03-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC. (TX)

Ive been applying for a loan modification with Homebridge since XX/XX/XXXX. Ive had to submit multiple complaints to them in order to try and receive any help but still none. They finally approve me for a loan modification XX/XX/XXXX. I sign My agreement and send it back to them via XXXX certified mail. Tracking # XXXX. This shows signed for my Homebridge on XX/XX/XXXX at XXXX. I just Received a letter in the mail with my trial payment returned and them stating they never received my agreement signed. This process is very frustrating and this company does not know what they are doing. Im on the phone with an associate now saying my modification is denied. This is complete and utter nonsense!
Consumer complaint received 2021-03-18
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. (MS)

XXXX  XXXX is reporting inaccurate information to all three credit bureaus XXXX, Experian and XXXX. They are reporting that I was late 30 days one time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (TX)

Called XX/XX/2021, XX/XX/2021, and XXXX ... AmSher Collection serives about XXXX collection account that placed on all my credit reports by AmSher. i was told they are no longer have the account. i have asked them several times to remove the account from my credit reports they will not remove the account and will not talk to me about the account and hang up on me when i ask to talk to a supervisor
Consumer complaint received 2021-03-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I opened a dispute with transunion about wrong info on my report, I send proof of this, and the Investigation results keeps showing wrong late payments, wrong name etc
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUIDANCE RESIDENTIAL, LLC (MD)

Applied for refinance mortgage for my rental property and I was offered mortgage rate 3 %. All documents were submitted as requested. Application was denied and reasons on denial letter based on my credit reports are false. I got copies of all 3 credit reports and denial reasons were not found on my credit reports. After discussion with agent, I was told since my application, mortgage rates have gone up and they can not offer me rate of 3 %.
Consumer complaint received 2021-03-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am a victim of inaccurate/fraudulent information reporting on my credit file. I am extremely upset that the credit bureaus are allowing this inaccurate information to be reported. My reputation as an consumer is being tarnished and it is causing emotional and financial hardship. I have tried to resolve this issue with Transunion directly but it seems as if I am not being taken seriously and my attempt to resolve this issue is being ignored. I have sent letters to the credit bureau for the last 4 months and I have yet to receive a resolution of the inaccurate/fraudulent items to be deleted from my credit file. My first letter was mailed out on XXXX of 2020 and I have sent several letters since then. After doing my own research I learned that the " Consumer Finance Protection bureau '' CFPB is the governing body over all credit reporting agencies. I am expecting you to help me resolve this problem and enforce your power to make the credit bureau do their job to not report inaccurate/fraudulent accounts on my credit profile that damage my credit worthiness and overall reputation. My rights as a consumer are being violated according to the " Fair Credit Reporting Act '' FCRA. I also did not give the credit bureau permission to report these inaccurate/fraudulent accounts so the must be deleted immediately according to the FCRA. Please help me resolve this issue to remove these inaccurate/fraudulent accounts from my credit file.
Consumer complaint received 2022-10-31
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. (MI)

XXXX XXXX XXXX falsely reported a debt stemming from an alleged overdue cable bill with XXXX XXXX in my name. In response to CFPB complaint XXXX XXXX XXXX  XXXX acknowledged that, while it did not own the debt, it was seeking to collect for an alleged amount from XXXX. In CFPB Complaint XXXX I disputed the debt. Moreover I informed XXXX they were not licensed to collect in my state, Michigan. XXXX responded stating it would cease all collection efforts1. However, XXXX has continued to furnish information regarding the alleged collection account to the XXXX. The XXXX  have allegedly transmitted disputes to XXXX and " verified '' the continued collection activity despite XXXX making clear it'd ceased all collection activity. Full statement and documentation attached.
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

my sister, who i trust, gave me a personal check for {$9000.00} from her bank, XXXX, on XX/XX/XXXX and i deposited it into my account at bank of america ( boa ) on the same day. XXXX withdrew the {$9000.00} from her account on XX/XX/XXXX, the same day. boa placed a hold on the money for 10 days until XX/XX/XXXX. i have no access to the money for 10 days. they stated they are placing a hold on the money because i never received a check that large from XXXX and because my sister ( who has XXXX ) may not have enough money to cover the check. this all seems like bs to me and it is extremely inconvenient. 

i tried to make an appointment with boa but of course, they have no appts until XX/XX/XXXX. 

is this legal? can they hold my money for 10 days? i have more than enough in my savings to cover the amount of the check. should i report them to the XXXX?
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (AZ)

This is not a duplicate, my previous Complaint " XXXX XXXX XXXX '' say they not quite sure why nor how its a HIPAA violation. law is clear like the previous document I provided, XXXX XXXXXXXX XXXX XXXX  } did NOT provide me a HIPAA release, that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. you state that your are associates with the Original creditor, that don't make you the original creditor. so how did you get access of my private medical history with out a HIPAA release form. which is a violation.

I sent a validation request months back, you sent me a insurance claim that is not a HIPAA RELEASE FORM.
Consumer complaint received 2020-07-11
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. (NV)

XXXX is reporting inaccurate information on my credit report and refuses to correct it even when I have sent proof of the fraudulent information. 
As a borrower and current college student I have had a horrible and unfathomed experience with XXXX. I am currently in deferment as I submitted an IDR plan and now because of Covid19. I have between 10-13 accounts with XXXX and they have issued 10 late payments on each account causing my credit score to drop and now I am denied credit and to obtain a vehicle to take my children back and forth to the doctors. One of my children is XXXX and having reliable transportation is a necessity for me but because of all the late payments I can not acquire a car. The late payments XXXX has added to my credit report are fraudulent and they are reporting inaccurate information. Between XXXX there has been so many complaints with XXXX adding late payments to accounts, not properly adding payments and causing borrowers to get in over their head to repay or live a suitable life. All of my XXXX accounts that were part of the XX/XX/XXXX through XX/XX/XXXX late payments show deferment status effective as of " XX/XX/XXXX. '' Also XXXX XX/XX/XXXX. Also, I was enrolled full time before any payment in XXXX became due. Therefore, my credit reports do not currently accurately reflect previous payment statuses with XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the six accounts showing a 60-day late payment in XX/XX/XXXX through XX/XX/XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XX/XX/XXXX through XX/XX/XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, CFPB, XXXX, and pursue other legal routes if necessary. I have sent nelent more information showing I was in school and forbearance letters they sent me but they refuse to remove late payments. I am not asking for removal of any accounts but they late payments that they are reporting inaccurately that is damaging my credit report and hindering me from obtaining a stable home and transportation because of false information that XXXX knowingly will not change
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Good Afternoon, This complaint is regarding a refinance of my current mortgage. 

In XX/XX/XXXX, I was invited by a Chase Bank employee to apply for a refinance of my current mortgage. 

After discussing my particular situation with a loan officer, I filled out an application for refinance. 

I was assured by the loan officer that my financial situation is on solid footing to complete a refinance. I informed the loan officer that I am only interested in seeing a refinance through to the end. If there was any question about qualifying for the refinance, I would rather not apply as my refi would include several costs that could not be recouped ( XXXX payment of approximately {$1000.00} and appraisal cost of approximately {$450.00} ) among the more costly expenses. 

Throughout the loan process, I provided all the documentation that was requested in a timely manner as part of the loan process. No documents were omitted. 
In XX/XX/XXXX, I received conflicting explanations from the lender about not qualifying for the refi. At first, I was informed that I did not qualify for the refi because my debt to income is too high. 

I was later informed that I did not qualify for the refi because I did not submit required documents. 

As discussed, I informed the lender during the application process that I was interested only in a refi that would be seen through to a closing. 

How is it that during the application process I qualified for the refi, but after a lengthly loan process ( over 6 months ), I did not meet debt/income requirements. Why was this not disclosed earlier in the loan process? 

After 6 months of waiting for the loan to move to closing and having spent over {$1500.00} in loan fees, I was informed on two separate occasions that my loan would not move to closing due to differing explanations. 

Something does not seem right with the manner in which this loan was handled by Chase Bank. How could I be informed that I wouldn't qualify based on income/debt ratio one day and then informed I wouldn't qualify because I did not submit documentation on a subsequent discussion with the lender? 

All the documents that I submitted to the lender are time/day stamped on Chase 's loan website. All requested docs were submitted in a timely manner. 

Thank you for taking the time to help me with this dilemma. I appreciate it. 

Respectfully, XXXX
Consumer complaint received 2021-03-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ResidentCollect, Inc. (FL)

The person identified themselves as an employee of RCI and spoke to my ex father in law. I dont own any timeshare, but when I called to ask what it was regarding, the employee said : sorry, I called the wrong number, hung up on me, then called my ex husband. The person called from XXXX.
Consumer complaint received 2021-03-19
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. (NC)

XXXX ; Experian and XXXX should not be reporting a collection/charge off in the amount of {$410.00} on the JPMCB partial account number XXXX. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old and each bureau is reporting different dates of last activity! Also, the bureaus are not reporting this account as in dispute. This account in fact is in dispute and this language needs to be reflected on my credit report. 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 is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: AMERICAN EXPRESS COMPANY (NY)

I have the AMEX XXXX XXXX a high end consumer card which costs {$550.00} a year. I needed emergency cash as my funds and travel documents were stolen in XXXX. I went to numerous ATMs in XXXX that AMEX said worked per their find an ATM locator. None of them worked. I called AMEX to do an emergency cash transfer/wire/XXXX XXXX  After approx 1 hour on the phone it was set up. I went to the XXXX XXXX location and they were unable to process the transfer. I called up amex XXXX XXXX to complain. They advised to go to another location. So I wasted several hours going to the first one. I then went to another location and was advised they could not do it either. The reason was because amex XXXX XXXX  had send the wire to the wrong name. So I called and emailed XXXX XXXX to complain and ask them to correct. More time wasted -- now we are at several more hours after the calls, transport time, etc. They sent to the right name this time but provided the wrong wire retrieval number at the teller. More time wasted. Right number was then provided. I finally received the funds and had to pay a western union conversion fee in excess of what I would have paid had the atm worked with my platinum card. I called and emailed " XXXX XXXX XXXX' to complain and ask for compensation for lost time/expenses. Was told they could do nothing and needed to call " customer service. '' I called customer service a week ago and was offered an insulting XXXX dollars or XXXX points. New issue as well is that I was charged for two " emergency wires '' when I only retrieved one. It is very concerning I would be billed for two. I filed a complaint on the phone with AMEX regarding all and did not Hear back and it has been a week.
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TX)

In XX/XX/2019, I had a XXXX and was taken to the hospital in an ambulance operated by XXXX XXXX XXXX. Initially, my health insurance only paid {$560.00} towards an overall bill of {$3800.00}. When I called my health insurance, and explained that this was an emergency situation and that I was admitted to the hospital, my insurance paid XXXX XXXX XXXX an additional {$3300.00}. 


XXXX XXXX XXXX has contracted with Credence Resource Management to collect the debt of {$3300.00}. They have called my phone and sent bills via the mail many times over the past 2 years. I have told Credence Resource Management every time that this bill has been paid and to stop contacting me. I got yet another bill in the mail today and I'm sick to death of being contacted.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (MD)

Experian Monthly Subscription No response to XXXX Dispute Report XXXX XX/XX/2021. 

Denied being able to dispute XXXX FIOS overcharged for the retailer not communicating with XXXX billing end of service/return of equipment. 

Notification unable to locate credit file, directed to contact Experian XXXX for XXXX residents. 

Refused process of online disputes. 

Call 888 # social security number not recognized by automated system for services. 

Payment for denied service.