davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC (CA)

I have requested my mortgage servicer escrow and pay both homeowners insurance and property taxes. My servicer has not complied, and have requested the same documents over and over, despite me already having sent the requested documents in a timely manner. My insurer informed me that my annual premium was not paid. The servicer has everything they need to calculate the escrow and pay the insurance and taxes. I am making no progress through the numerous letters I have sent, nor have they complied with my request for information under RESPA.
Consumer complaint received 2022-05-04
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. (FL)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX/ {$500.00} / XX/XX/2022 XXXX  / {$2000.00} / XX/XX/2022
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (WA)

When checking my credit report it became apparent there was an old XXXX cell phone bill that apparently hadn't been paid and I had NEVER been notified about. I contacted XXXX directly and paid them, as they were the original creditor. I then contacted the collection agency attempting to collect the debt and asked them to update their records and delete the account from my credit report, as they have no collection authority on a non-existent debt. They refused to comply or even give me any information about how to contact a higher up in the organization. I was simply hung up on more than once.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

I received a text notification that my chime card was overdrawn on Wednesday XX/XX/XXXX. I knew this was incorrect because i was at an appointment and did not use my card. 5 fraudulent transactions were made at a gas station in a totally different state then what i live in. They were made at a XXXX XXXX XXXX XXXX station in XXXX New York, which i have never been. the transaction amounts are {$47.00}, {$100.00}, {$4.00}, {$100.00}, {$33.00}. The first fraudulent transaction of {$47.00} was made in XXXX NY the same time i was at a gas station near my home in XXXX MI that Wednesday at XXXX. i called chime to notify them of the transaction i did not authorize and they helped me file a dispute when they posted on XX/XX/XXXX. Not even 24 hours after i filled the dispute they denied it. I asked 3 times for a written reasoning why this would be denied since it is clearly fraud. to this day on XX/XX/XXXX i still have not yet received any information. I just called again today and no one was able to provide me explanation. I spoke with a supervisor and his suggestion was to call the merchant in a different state.
Consumer complaint received 2023-04-09
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. (FL)

Hello, I purchased some floor tiles from XXXX XXXX XXXX. To make this purchase I opened a new XXXX XXXX XXXX credit account which is actually a credit account thru XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Account # XXXX The tiles that I purchased were delivered broken and some were unusable. I contacted the merchant for weeks to attempt to resolve the issue but they refused to provide replacement tiles to me. As such I mailed their company a letter informing them I would not pay any balance due until the matter is resolved. 

I then contacted XXXX XXXX  by letter informing them I disputed the entire balance due and that I wanted them to communicate to the merchant that I was refusing to pay the balance because they had not delivered all the tiles as promised. 

This was in XXXXXXXX XXXX XXXX. I waited three months for a reply from XXXX XXXX  only to be told they never received my dispute in the mail and that I needed to start over and send all of my information again. 

In XXXXXXXX XXXX XXXX I provided XXXX XXXX  all of the documents again including my explanation letter describing my dispute and the bank acknowledged they now posses my dispute. 

It is now XX/XX/XXXX and XXXX XXXX  has still not resolved this matter however XXXX XXXX  has started reporting late payments to the three credit reporting agencies and my credit score is dropping drastically.

It has been over 6 months since I first disputed this issue with the bank and it is totally unfair that they have yet to resolve this matter. I have provided them clear photographic evidence that the tiles were broken, this should be an open and shut case in my favor. 

I need assistance getting XXXX XXXX  to finally act and resolve my dispute. 

I should also mention I have used the tools the credit agencies provide to dispute this account on my credit report but they always just indicate the account information is accurate and do nothing. 

The information *is not accurate and I do not actually think any real attempt is being made to rectify this issue by the three credit reporting agencies. 

Thank You in advance for any help you can provide me. 

XXXX XXXX
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I have continuously contacted Experian about the incorrect reporting on my credit report. There is a Bankruptcy listed on just my Experian credit report and they keep saying they verified it from the source. When I contacted the source to find out if they give out information on consumers they sent me a letter saying they do not report bankruptcy or update information directly to credit bureaus. Experian is in violation of this reporting.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLIED MORTGAGE GROUP (PA)

Hello, There are 3 errors on my credit report : 1. My loan type is FHA and its states that its an Conventional Loan. 

2. My loan is not backed- up by FHA and my mortgage lender is charging me a fee to FHA because they missed up on my loan. FHA rejected my loan. I request information in writing from Allied Mortgage but they refuse to send me any documents in writing. I called FHA and they told my that my loan is not insured by them. 

3. My loan was closed in XX/XX/XXXX and I was not notified until XX/XX/XXXX. I made a payment via XXXX in XX/XX/XXXX and my payment was denied because they were no longer holding my account information. Once they told my who service my account, I made my payments via once I received the new information. XXXX XXXX has my payments are late 90-119 days in the month of XX/XX/2021, however XXXX has no information.
Consumer complaint received 2021-05-05
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: HYUNDAI CAPITAL AMERICA (MO)

I purchased a new car and also made sure to include GAP insurance in the event the worst possible scenario happened, and it did happen. My new car was totaled in XX/XX/XXXX. I went through the process, but the last final process has been a persons nightmare that did everything by the books to make sure not to have issues with payments and negative credit reports. I am being held liable for Kia Motor finance and XXXXRe ( Gap ) not dealing with my claim in a timely manner. XX/XX/XXXX through XX/XX/XXXX, I was calling both companies almost every two weeks to make sure my claim was being taken care of. Kia was stating they were sending the documents to XXXXRe, but XXXXRe was stating they were not receiving the documents. In short, I did everything in my power to make sure this was being taken care of properly as an active duty service member who was on orders away from my home address. This has been paid in full now by XXXXRe, but my credit report took 100+ credit score decrease, Im at risk of losing my job, even though I am not at fault for the gap insurance company that I purchased through KIA at the time of purchase didnt receive the documents on time. I purchased Gap insurance so I didnt have to come out of pocket. Now I have to deal with this sitting on my credit even though I did everything as an individual within my power. I have made numerous credit disputes, but KIA will not change the delinquent account and negative payments on my credit report. It has been paid in full. I have never had late payments, delinquent accounts, and etc. Due to the nature of my job, I cant have things like this sitting on my credit reports. I have been on the run around since XX/XX/XXXX and its getting out of hand at this point.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

In anticipation of applying for a mortgage, I needed to unfreeze my credit with Equifax. I was unable to log in using my previously established user id and password. Attempts to re-set password failed. On my first call to Equifax, after lengthy holding and repeated input of personal info. I was able to speak to an actual person. That person placed me on hold ; during the hold an automated survey began. I participated in the survey as I was under the impression I would be returned to customer service at the conclusion. Instead, my call was disconnected. Total time on call was 30 minutes, phone number dialed was XXXX. Using a different Equifax customer service number, I called again. Again, after connecting with a person and being placed on hold, the automated survey began. I did NOT respond. Again the call was terminated by Equifax. Total time on call was 19 minutes, phone number dialed was XXXX. Equifax has made it impossible to complete a call and obtain any resolution via phone. They do not provide an email address. They do not provide online " chat '' or support. They deliberately make it as difficult as possible to actually get help.
Consumer complaint received 2021-10-20
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. (NC)

I initially contacted Transunion on XX/XX/2021 via written communication concerning an item listed in collection for the amount of {$210.00} published on my report by XXXX XXXX XXXX. I disputed the item as " questionable '' as I have no idea as to why this is listed on my report. At the time of initial dispute " Affected by natural disaster '' was reflected in the comments. Prior to obtaining a copy of my credit report I had no communication verbal, written or otherwise with the collection agency nor have I recently been affected by a natural disaster. 

The result of that dispute was that the item was " verified '' and the " Affected by natural disaster '' comment was removed. I subsequently submitted a dispute for method of verification on XX/XX/2021. I asked specifically for ALL correspondence and conclusive documentation of my ownership of alleged debt. The response I received on XX/XX/2021 was a general response as to how Transunion conducts its investigations. It is my belief that this item in fact has not been verified and they have failed to comply with my request to properly investigate and delete from my report. 

To date, I have not received any form of response from XXXX XXXX XXXX as result of this indirect communication. The item in question is still published to my credit report and the collection agency continued to report while in dispute.
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

This complaint is regarding the balance for Summary of Amounts Past Due before Bankruptcy filing ( Pre-petition Arrearage ) shown on the most recent statement dated XX/XX/2021. The amount shown {$1000.00} is incorrect and the correct balance is XXXX ( XXXX ). 

As of XX/XX/2021, a document was signed and executed by XXXX XXXX, Attorney for New Rez ( Shellpoint Mortgage Servicing ) at the XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX. states amount necessary to cure the petition is XXXX ( XXXX ). The document stating this information was filed and sent to XXXX XXXX XXXX XXXX XXXX. See the attached document for your reference. The error on my mortgage statement should have corrected months ago. Please make the necessary changes and updates to my account and all future mortgage statements showing Pre-petition arrearage balance XXXX ( XXXX ). Better yet, remove this section from my statement altogether for pure accounting purposes and accuracy. Please provide a full explanantion for the outstanding balance shown for the Summary of Amounts Past Due Before Bankruptcy filing Pre-petition Arrearage updates. 

My next complaint is regarding Escrow ( Paid Year-to-Date ) balance showing on the mortgage statement in the amount of {$1100.00} as of XX/XX/2021. If I am paying monthly towards Escrow {$220.00}. Why is the total amount paid as of XX/XX/2021, {$1100.00}? This is an error and the correct amount should be {$2200.00}. If you multiply {$220.00} x 10 = {$2200.00}. Also, the XX/XX/2021 mortgage statement shows the Escrow ( Paid Year-to-Date ) balance amount of {$1100.00}. But, the month of XX/XX/2021, it was reduced to {$1100.00}. Why? There is something flaky going on with New Rez accounting and managing of customers payments. Also, why is there a {$150.00} fee charge on my account? What is this about? Please provide a full explanation for the total amount paid this year for the escrow balance and this fee charge. I look to hear back asap for an accurate update to my mortgage account. 

Best, XXXX XXXX
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

We purchased flights and hotel to XXXX, XXXX ( XX/XX/XXXX-XX/XX/XXXX ) on XX/XX/XXXX for {$2900.00} and used my Chase Debit Card. I requested a refund because i removed an excursion and it was for the amount of {$340.00} which i did get back on XX/XX/XXXX. In XXXX the site, XXXX closed down and never returned my purchase of {$2500.00}. I filed a claim through Chase on XX/XX/XXXX. I got the funds returned until they finished investigating and on XX/XX/XXXX they denied my claim and removed the amount from my account. They said that the transaction was correct and that I have to go through the Agency ( XXXX ). First my claim amount was incorrect which I have explained to them. The amount for the claim was supposed to be {$2500.00}. When calling back to file another claim with the correct amount they said it would be denied for the same issue. I also called back XX/XX/XXXX to see what my charge back code was processed under and they would not give me that information. It should have been under XXXX - services not rendered. The issue is that I can not go through the agency because they have been closed for months and im not sure how to get this money back. They canceled without returning my money back. On XX/XX/XXXX i was activated with the military under state activation and on XX/XX/XXXX I had received an email from XXXX saying all services were being canceled and to go through our banks. I explained this to Chase on XX/XX/XXXX and they said that the military is not an excuse to not have disputed before the 120 days. I also have filed a police report on XX/XX/XXXX. XXXX canceled my services XXXX XXXX with no refund. They canceled my flight through United airlines and my hotel ( which was never paid out ). Chase/Visa was supposed to give me only 3 days to file a claim during my emergency activation? Overall, services were not rendered and my claim should have been processed as that. Please review this case.
Consumer complaint received 2023-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (WI)

all inquiries on my report shall be removed permanently all late payments removed permanently an all credit utilization shall be removed permanently from my report due to the fact i have not given any written instructions to furnish anything on my report Because of this improper reporting they violated 15 usc 168 ( a ) ( 4 ) -Accuracy and fairness of credit report, to which the consumer agency has to respect my rights to privacy. also they have violated 15 usc 1681a ( 2 ) ( i ) -Exclusions, the consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report, reporting payment history an credit utilization violates my consumer rights. they also have violated 15 usc 1681b- Permissible purpose of consumer reports, the consumer reporting agency can only furnish information In accordance with the written instructions of the consumer to whom it relates and i have not given my written instructions. also 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, to which they have not done on my behalf which has caused me great pain an suffering due to the fact i cant obtain a loan for {$30000.00} that i needed for a new home.
Consumer complaint received 2022-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

In XXXX 2022 XXXX XXXX XXXX flagged my credit for this XXXX debt from XXXX XXXX  I disputed it and have proof and it was taken off my report now a different company IC systems has brought the same report for same amount same company XXXX XXXX, I haven't had XXXX XXXX and I called the company IC systems and the man was so very disrespectful and rude for no reason and insisted that I was untruthful and hung up on me. I've tried to dispute this again to no avail. XXXX XXXX has knowledge of the situation as well as proof that is why they took it off. Now this is the XXXX time they have tried to give me this debt, it's unjust and I will not be responsible for something that is not mine.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (MO)

On XX/XX/XXXX, I spoke with a Navy Federal Credit Union supervisor about the closing of my credit card account, the transfer of my security deposit and why. The Navy Federal Credit Union supervisor was very rude and told me " due to non-payment on my account for 3 months it was closed because that's what their terms and conditions state ''. Navy Federal has no right to close my account while it was in dispute.
Consumer complaint received 2019-03-25
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. (CA)

While in the process of seeking new living quarters in XX/XX/2018 I had to have my credit ran. I noticed at that time there were some erroneous items on my credit report. At that point I called EACH creditor associated with the accounts. The creditors were unable to verify the accounts and instructed me to call the credit bureau that were reporting the accounts. All three credit agencies instructed me to call the creditors. Once I informed them that I had already spoken with the creditors and they were unable to verify the accounts, I was then instructed to file a police report because it was clear that I was a victim of identity theft. Equifax is reporting these fraudulent items, and have been since XX/XX/2018, and they are listed below. 

1. XXXX XXXX XXXX - {$2600.00} 2. XXXX XXXX - {$1200.00} 3. XXXX XXXX - {$1200.00} 4. XXXX XXXX XXXX XXXX XXXX - {$1200.00} 5. XXXX XXXX XXXX - {$1300.00}
Consumer complaint received 2019-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

After over 18 years of doing business with USAA my checking account has been closed involuntarily.  Not only is USAA breaking the law in terms of the civil rights bill of 1866 section 1981.  I am appalled how they froze my account.
Consumer complaint received 2018-04-11
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (TX)

Debt Recovery Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX This debt is 5 years old and just recently I was contacted about it. I offered to pay it off if the company would agree to removing the records from the credit bureaus. 
The company said that they would mark the account paid but would not remove the negative information from the credit bureaus.
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I had made 4 separate online transactions at {$20.00} each on XX/XX/year> using the balance in my CashApp account. The money was immediately deducted from my balance after every transaction. Over 24 hours later I get charged again for the same purchases and money was taken again from my account double charging me. I checked with the merchant and they did not double charge me so this is on CashApps end. CashApp support is zero help, and I have screenshots to prove that I was only charged once from merchant, but shows the money being taken out twice from CashApp.