davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I was a victim of identity theft on my Experian report I sent letters but nothing has been done if you can please look into these inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I have now had three inquiries from XXXX on my credit report. I have never used or interacted with XXXX XXXX company at all. How do I prevent this from continuing to happen??
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC. (WA)

First Citizens Bank had a promotion to receive a bonus of {$300.00} if you opened a free checking and savings account. Criteria for receiving the bonus was to establish direct deposits of {$1000.00} per month, OR make 10 debit transactions within 90 days of account opening. 

I opened my account on XX/XX/2020, and by XX/XX/XXXX I had completed the 10 debit transactions. The terms and conditions clearly state that they will pay out the bonus within 120 days after completion of all qualifiers. 

It is now significantly more than 120 days since I met all qualifiers and I have not received the bonus. 

On XX/XX/2020 I sent a secure message to First Citizens asking about the status of my bonus. 
On XX/XX/2020 First Citizens responded saying they would research On XX/XX/2020 I sent a SM asking for an update. 
On XX/XX/2020 First Citizens said they are still researching and has no timeline for when they'll have a solution. This is not acceptable, and not in line with their own terms and conditions for the offer.
Consumer complaint received 2019-01-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I apologize ahead of time as bothering you so much, I do not know what to do!! 
I sent you something earlier?? that i did not make it to court due to falling and a wonderful couple helped me and was wanting to take me to hospital. I also told you i have 3 weeks to move. I have been trying for months to get payment lowered and back with XXXX it was more months than that, After house bought by Wells Fargo at auction i knew my only chance was to go to Wells Fargo direct again. I would gladly pay them every month but i can not go back and pay previous payments. I am in very bad health and will not live long enough to pay off house house unless win lotto?? I NEED TO PAY THEM AND LIVE HERE AS I LIVE!!! i can not back pay but can pay {$700.00} to {$750.00} every single month. I get my social security check the XXXX week of every month and i will go on their web or to customer service or mail check .SORRY again for taking your time but if something does not happen i am going to have another XXXX XXXX.My sister and brother live far from me and no room for me in their house.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NH)

Today, XX/XX/2019, I attempted to temporarily lift the freeze on my accounts at XXXX, XXXX, and Experian.

XXXX and XXXX allowed me to complete the transaction in just a few minutes online, using the PIN provided at the time the freeze was put in place.

Experian claims that you can lift a freeze online or by phone. I filled out the online form with all the information required ( including my PIN ), but was then told I would have to write a letter containing the same information, multiple copies of identification, mail confirming my address, etc.

I next tried to lift the freeze by calling Experian. No human speaks to you, you must place voicemail bingo. I entered all the required information, only to receive the same instructions about filing a written request. This has taken my about 1/2 hour of my time. Forget it. The account can stay frozen. If I could remove my information from Experian, I would.
Consumer complaint received 2018-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On or about XXXX XXXX, a complaint was submitted to transunion related to XXXX XXXX reporting of their failures pertaining to the internal financial reporting. A report on fraud was reported for the sum of {$240.00}. On or about XXXX XXXX provisional credit was applied in that sum but balance was never adjusted. On XXXX XXXX the fraud department called claiming duplicate provisional credit was applied which, XXXX took back the provisional credit after XXXX sent the money back to my credit card. During the reporting month only {$310.00} was utilized for credit spending plus {$200.00} was paid by myself with credits of {$44.00}. from XXXX. So, from the time of the credits posting on XXXX XXXX and close of statement date this was the statement date which my balance was {$1700.00}. reported by chase however, {$310.00} was used after XXXX XXXX a payment for {$100.00} made on XXXX XXXX. The credited used prior to XXXX XXXX was {$310.00} and XXXX XXXX XXXX bank fraud called stealing {$240.00} stating duplicate provisional credit which I never recieved leaving me on XXXX XXXX statement close at {$2100.00}. XXXX BANK COMMIT FRAUD BY STEALING THE CREDIT BACK AND THE EXECUTIVE ASSISTANT XXXX STATES NO CPA, NOR THE PRESIDENT OR CFO or CEO will deal with this problem. XXXX has no degree in finance or is a CPA and she stated the CEO has put her in charge to make the decision and she is the highest it will go to. SO XXXX BANK CEO HAS PUT UNEDUCATED PEOPLE TO DEAL WITH PEOPLE 'S MONEY. THIS SHOULD ONLY TELL CUSTOMERS THAT THE INVESTORS AND SHAREHOLDERS DONT CARE ABOUT WHATS GOING ON AND Transunion is only helping them by checking in or providing the proof on what the company 's trying to defraud customers about.
Consumer complaint received 2018-12-24
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I have a loan with SELECT PORTFOLIO SER. 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, XXXX, XXXX and SELECT PORTFOLIO SER with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX - XX/XX/XXXX.
Consumer complaint received 2018-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: General Motors Financial Company, Inc. (GA)

I have a loan with GMFNANCIAL. 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, XXXX, XXXX  and GMFNANCIAL with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX, XX/XX/XXXX / XXXX - XX/XX/XXXX.
Consumer complaint received 2019-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MN)

I applied to qualify for PSLF in XX/XX/2016 and had my loans transferred over to XXXX XXXX from XXXX.

Currently, they are only counting 5 of my payments towards my PSLF payoff, 4 of which are under review.

I have made 15 payments under XXXX XXXX and made qualifying payments through my previous servicer, XXXX. My count should be in the 30s, not 5.

I've asked several times over several months for a count of my qualified payments. I have not received an update, except several payments made through XXXX are under review.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
XXXX {$280.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX {$390.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$250.00} XXXX  XXXX XXXX {$1400.00} XXXX XXXX {$0.00}
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have filed disputes with XXXX, Transunion and XXXX  back in XXXX this is almost XXXX and I still haven't received anything. This is not fair that it is taking so long to get my results. I know they are supposed to reply within 30 days and they have not.
Consumer complaint received 2019-01-16
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: Byrider Franchising, LLC (LA)

During the month of XX/XX/2018 I was refinanced a car From XXXX XXXX due to the inflation I returned the car in approximate 19 days.Not owing anything what they speak of is a down payment I never received plates for the car I lost my job because it went out of business XXXX delivery service unable to pay car at time but I got a new job an they didn't give me time enough to pay it so I was unable to make it to work so the problem is they still reporting to all 3 Bureau negative payments causing my score to drop an also wouldn't return my money..
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have reached out to eqifax, XXXX and XXXX several times to have errors corrected on my credit profile. My sister and I have similar names and the same date of birth. As A result some of her accounts are being added to my profile and vice versa. I have disputed several collection accounts that does not belong to me and all come back " Not deleted '' when these accounts simply aren't mine! I have multiple inquiries on both eqifax and transunion that aren't mine. Reports also that reflect I have outstanding balances for A XXXX XXXX charge off account, World finance, and first premier which are all my sibling accounts and not mine. I requested A free credit report to go over these details after I filed the dispute and was denied A free copy and informed I would need to pay. I had fraud alerts placed on my reports also due to my mother using my information and I informed all credit reporting agencies of such fraud. My scores are all negatively being reflected as poor when these charge off accounts, Collection accounts and inquiries do not belong to me! There are some inqthat are mine and some accounts that are mine. But none of which are in collections or charged off.
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

I have multiple accounts with Chase Bank and recently for {$4500.00} was stolen from them. Some how someone gained access to my accounts and transferred the money from my business account to my checking account. From there it was withdrawn by the way of a XXXX transfer to a very common name of an unknown person. Chase has  denied my claim. According to the my only recourse is to prove my accounts were hacked.
Consumer complaint received 2019-01-16
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2019, I deposited a Cashiers check in Capital one bank. The check was from a buyer ( name : XXXX XXXX XXXX, phone number is XXXX XXXX XXXX, and XXXX XXXX XXXX ) because I was selling a queen bed through XXXX. The buyer sent me a check for the bed and movers ( {$150.00} for the bed and {$900.00} for mover, total is {$1000.00} ). On XX/XX/XXXX, I saw the money {$1000.00} already in my account. Even though, I went to the bank to confirm if the check went through. The cashier checked for me and said yes. And capital one sent me an email that Youve successfully deposited your check ( s ) into your Checking account ending in XXXX, and the money should be available by the next business day.

Amount : {$1000.00} Since the cashier told me the check went through, I thought the check was good. Both cashier and the email didnt mention anything about the money need 4 to 5 days to transfer or verify. Otherwise I would not mail {$900.00} to the mover. On XX/XX/XXXX, I mailed {$600.00} to the mover, XXXX XXXX, address is XXXX, Rhode Island, zip code XXXX  through XXXX to XXXX  and mailed {$300.00} on XX/XX/XXXX.

Since no one come to pick the bed and I couldnt get back from the buyer, I checked my checking account on XX/XX/XXXX, I saw the check pending for chargeback. I called Capital one bank and I was told the check was not right. But I have mailed {$900.00} to someone.

I made several calls to Capital one to complain because I dont trust the buyer, but I trust the bank. If the money was not on my account and if the cashier or the Capital one bank email mentioned that the fund need several days to verify, I would wait. However, I was told there is nothing Capital one bank can do about.

When I deposit a regular check, it takes several days to go through. But the cashiers check can get next day. I thought cashier check takes shorter time to verify. Now I know it is not verified. But no one mentioned it to me. I dont think it is my fault. It should be banks problem.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (FL)

I am trying to freeze my credit with Experian. they say I have to mail all my personal information to them and won't do online. I have tried to call them but they just hang up on me. I want to freeze my credit as I feel my personal info has been compromised. XXXX and XXXX have both froze my credit and this company is doing nothing but giving me a hard time. I filed complaint prior with XXXX   and you guys got them to fix. Experian just mailed me a letter telling me nothing??? Can you jump on them and get them to lock my credit so nobody uses my info. Thanks.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (AK)

In XX/XX/XXXX I applied for, and was granted, Covid-19 mortgage relief. The first payment relief date was XX/XX/XXXX. 

At that time I was still current on my loan. The investor was XXXX XXXX & my loan was being serviced by XXXX XXXX XXXX. 

In XX/XX/XXXX XXXX XXXX sold the loan. Im not sure who the new investor is. The relief period ended in XXXX, XXXX. I made all 3 of the trial payments on timeXXXX, XXXX and XX/XX/XXXX. My mortgage account servicer, Shellpoint Mortgage Servicing, reported my loan past due for XXXX, XXXX, and XXXX. All 3 of those payments were made on or before the due date. 

My mortgage account is with Shellpoint Mortgage Servicing. 

I have complied, on time, with all of the conditions of my loan agreement ( s ). 

I believe this is very unfair and against the intent of the US Governments Guidelines regarding Covid-19 forbearance policy.
Consumer complaint received 2020-09-23
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. (NY)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (NY)

Charge for {$29.00} on XX/XX/XXXX appeared on my Discover Card statement for Payment Protection, a service I never signed up for. I contacted Discover who agreed to credit this amount and the past 6 months of charges for this which amount to {$20.00}. I was then informed that I have been a member of this program since XX/XX/XXXX. When asked why i haven't seen any large charges I was informed it is because I keep a lower balance on my card. I feel I should be reimbursed for all charges related to this since I was signed up, without my knowledge, for 17 years. I also see Discover card settles a class action suit on this back in XXXX for which I was not a part of as I was unaware of the suit. I also have never used the " benefits '' of the plan as I was unaware I had it. I also would never have used the plan as I never had need to.
Consumer complaint received 2020-09-23
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. (NC)

Theses are the inquiries that I have been disputing they were taken off the other 2 bureau reports. These were unauthorized and I would like these to be taken off immediately. I have sent in all proper documentation. I was denied credit for the COVID-19 funds XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX , GA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was a victim of identity on my credit report I called and filed out complnt with transunion but nothing has been done am trying to repair the damge plases if someone can look into these inquiry XXXX XXXX XX/XX/XXXX also on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXalso on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2019-01-16
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. (NY)

I contacted Experian regarding an account reported by them as late payment in XX/XX/XXXX for 60 days to be corrected. Experian never communicated back to me regarding the account. I contacted XXXX College been that on record per Experian, they report the late payment. XXXX  College advised that they are not responsible for reporting to the credit bureaus, all payments and reports are handle by XXXX  on behalf of all the schools. The said account is a student loan reported under my social security number reported by XXXX College according to the information on file with Experian. XXXX  College is the college I graduated from. While in college I took a federal student loan and upon graduation the loan is and has been managed by XXXX  on behalf of XXXX XXXX XXXX XXXX XXXX under account number XXXX, which is also on file with Experian and the status is current. There should not be two different reporting for one single account. The loan amount is {$3600.00} under account number XXXX, and I made a payment of {$40.00} on XX/XX/XXXX. I contacted XXXX they advised that my account is current and no negative reporting has been made. They clearly stated that XXXX college does not report or handle this account, and there should be only one single account reported to the bureaus not two different reporting and that report should come them not the college.