davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/2023, I redeemed cashback rewards totaling {$110.00} from my credit card to my checking account ( see image XXXX ). 

I received in my checking account {$1.00} on XX/XX/2023 ( see image XXXX ). This was clearly the wrong amount, so I contacted them via their secure message system on the same day ( see image XXXX ). 

They responded XX/XX/2023 indicating a dispute had been initiated, and they would follow up with a response by mail ( see XXXX ). 

I called their customer service line XX/XX/2023 to follow up on the dispute. I was told they had recognized the issue, but were still working through it. 

I followed up XX/XX/2023 via secure message since I had still not received a response or update. They replied with more or less the same response about the dispute on XX/XX/2023 ( see XXXX ). 

I called later that day to inquire further. The CS rep I spoke with mentioned they had a fix in progress, and that I should see my deposit soon. She also mentioned others were affected by this issue. 

As of today, XX/XX/2023, I still have not received the full amount I redeemed. 

While I understand they have an issue in their system, it is clear they recognize the problem, but they have not taken steps to make me whole. It's been almost 40 days since I redeemed my cashback, and me receiving it should not depend on them tracking down a bug in their own system.
Consumer complaint received 2022-02-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: KEYCORP (AZ)

I have had this loan from Key Bank since XXXX ( I believe ). It has been a constant problem with them applying my loan payments at different times and confusing late fees. At one point ( XXXX, XXXX ), I submitted a complaint and the agency that investigated found several payments that had not been posted. I recently paid off the loan and Key Bank attached unpaid " Late Fees '' of {$630.00} without verification. Key Bank also placed what they termed " Recoverable Corporate Advance Balance '' of {$1300.00} without any explanation of what this amount constituted. The list of payoff amounts ( including the ones just referenced ) was issued XX/XX/XXXX. The amount they requested was paid in full XX/XX/XXXX.
Consumer complaint received 2022-02-18
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: LEXISNEXIS (FL)

I NEVER OWED A XXXX XXXX OR A XXXX XXXX I NEVER WAS IN AN ACCIDENT ON XX/XX/XXXX ANOTHER XX/XX/XXXX A XXXX AND XX/XX/XXXX I WAS NEVER IN A CAR ACCIDENT ON THESE DATES!! I NEVER OWNED A XXXX OR XXXX... LEXISNEXIS IS LYING ABOUT ME. I NEVER OWED THESE CARS!!! MY CELL NUMBER IS XXXX. LEXISNEXIS HAS REFUESED TO REMOVES THESE LIES ABOUT ME. MY INSURANCE HAS TRIPPLED. THIS IS XXXX.
Consumer complaint received 2022-02-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

On the XXXX of XXXX I sent CMG mortgage a certified check for our mortgage payment. I sent it USPS certified mail with a tracking number. CMG received the payment on XXXX XXXX. I have a copy of all the paperwork. CMG claims to not have found the check and have done very little about it. They refuse to give us a direct line to call and continue to try and collect XXXX payment. We paid our mortgage for XXXX but even though there is an investigation and we have submitted all requested paperwork they have submitted claims of late payment to The credit bureau and we have late fees. Refuse to give us a timeframe for the resolution of this matter or any written or emailed document stating that they are in fact investigating it. 

We have faxed all this information to CMG and been calling regularly.
Consumer complaint received 2018-04-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (TN)

This company has been calling me 3-4 times a day every day since XX/XX/2018. The calls are so annoying i installed a call blocking app called XXXX XXXX to automatically hang up on them to keep my phone from ringing all the time. 
And if it doesn't stop or get resolved properly I intend to speak with a local consumer protection attorney and file suit for FDCPA and TCPA violations.
Consumer complaint received 2021-04-13
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)

On several different occasions, I sent in dispute letters via USPS to correct inaccurate and unverifiable information on my credit report. The latest dispute letter was sent on XXXX.I called Transunion several times, asking if my disputes have been received and each time I am advised that there is no dispute on file. There is a bankruptcy reporting with the incorrect filing date and incorrect court name. I contacted the court who has advised me that they do not report bankruptcy information to the credit bureaus. I have also sent letters to Transunion, asking them to verify how this inaccurate bankruptcy was verified and through what source and each time my letters has been ignored. This is a clear violation of my consumer rights.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I checked my credit report, I discover violations and inaccurate reporting. The dispute with XXXX  reporting the fraudulent account, XXXX XXXX XXXX as deleted / remove from credit report after several dispute filings, which began XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX the status of the '' XXXX XXXX XXXX '', removed/ deleted account was placed back on my credit report after it had been deleted. It showing a status " remain '' on my credit report inaccuracy. 
TransUnion and XXXX  both credit reports in accuracy information for XXXX XXXX XXXX, with account status, last payment date and payment status XXXX  report XXXX XXXX XXXX as a closed account status. TransUnion report XXXX XXXX XXXX as a derogatory account status. Delete all information pertaining to XXXX XXXX XXXX from my credit report.
Consumer complaint received 2021-11-09
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020
Consumer complaint received 2018-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DE)

we did a XXXX transaction at XXXX to purchase parts on XXXX XXXX  directed us to our PAY PAL account to pay. the transaction was intercepted by a 3rd party- and from XXXX that night til early morning they transferred money out of our accounts. PAY PAL did say we were covered- but the transaction were made and processed - the other parties that were selling product ( BITCOINS ) ALL LOST THERE MONEY AND THINKS IT WAS OUR CORPORATION THAT DID IT-Pay pal only has told them it was unauthorized transaction- They refuse to tell these people that it was not us evolved!!! so we are getting threats and social media blasted - We requested PAY PAL to send us letter stating that our corporation and our employees were not involved with the fraud, and we were victims like all of the buyers. We have been in business for 30 years and its a shame we have to defend our selves for something we had nothing to with. 
Very Truly XXXX XXXX
Consumer complaint received 2022-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

XXXX or XXXX of 2021 we made one of our initial contacts with Shellpoint Mortgage. Here we were contemplating being able to opt out of the forbearance option that we had initiated with XXXX XXXX. When attempting to figure out the reason behind an increase in our payments, Shellpoints agents advised us that the they did not show payments that matched what our statements did, and that the statements they were sending us were incorrect. In addition, there was a discrepancy about a XXXX credit on our escrow. When asked what the payments were in case we decided to make them, the agents could not tell us. Without the information we decided to proceed the forbearance ; at the same time Shellpoint was telling us encouraging us not to make payments, and telling us it would not effect or credit. Later last year we decided to go on a payment plan for three months so we could then modify our loan. Shellpoint gave us a trial payment plan for XXXX, XXXX and XXXX We found during that time that Shellpoint has been reporting our delinquency to credit, began the foreclosure process even though they have denied or avoided the question on several occasions and that the XXXX escrow credit is now a deficiency which now has to be integrated back into our loan. Generally I would take my business elsewhere, but the impact of my credit prohibits that and other options.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2020, I attempted to contact Synchrony Bank to let them know my Amazon Store card had been stolen. I was not able to login to my account, and I had some trouble reaching a decent CSR. 
I was able to get the stolen card issue handled, but was not able to get any other issues handled. 
In following up with them about open issues ( Unable to login, payment applied late, late payment remark on credit report, and wrong information being used to identify me ) I was refused any kind of assistance. 
After hundreds of requests for help via phone and chat over 15 days, Synchrony bank continues to refuse to assist me, choosing instead to be rude, nasty, harassing, and often abusive.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/2020 noticed PayPal had removed {$1.00} from my checking account On XX/XX/2020. Was told that Symphony represented PayPal but was not PayPal. Was not able to talk to a PayPal customer service member because it was after hours. However, Symphony appeared to be authorized to ask for my name, phone number, and last four digits of my social security number. The represents on the phone was also calling themselves A PayPal Credit representative. 

My issue about having an unauthorized withdrawal is unresolved and I attempt will follow up. More than likely I have been robbed by a transaction from ACH/PayPal with a bi-line XXXX XXXX I see Im probably 1 in 700 plus being robbed with some sort of online exposure. In which case I dont know what to do.
Consumer complaint received 2020-07-28
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. (NY)

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX BXXXX-Balance {$0.00}
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (OK)

I began the refinance process on my home loan with Chase mortgage on XX/XX/XXXX. Honestly this should have been a very straightforward refinance loan since we have very good credit scores and stable income. We provided every document requested in a timely manner and almost 4 months later as of XX/XX/XXXX the application was still being ignored and stalled. The Chase mortgage team was absolutely awful to work with and there was a severe lack of communication from their end with no replies to emails or phone calls for weeks. The team would constantly continue to ask for the same documents that were already sent over and over again. 110 days later I decided to withdraw my application due to the terrible customer service and absolute neglect. An important note is that an appraisal was not needed and no title work was done. 

I am filing a complaint with the CFPB because Chase has denied my request to refund the deposit that was made for the application to be processed. Under the Federal Truth in Lending Act I have the right to withdraw my application and have any money given to the bank for the loan returned to me within 20 days ( excerpt from law below ). 

1635. Right of rescission as to certain transactions ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. 

I have spoken with Chase multiple times and once again will not return my phone calls or work with me to resolve this issue whatsoever. Withholding funds from the consumer and denying a refund for no reason at all needs to stop immediately.
Consumer complaint received 2021-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

1 never showed proof of claim failed to provide an actual contract where the actual flesh and blood name XXXX XXXX dually signed and witnessed by both parties not the unilateral agreement and which apone pg there there is reference to the entire agreement .proof of claim that rash Curtis is the original debt holder and a detailed invoice not a stament to which rash Curtis has lost any monies due to the mention debt And why are rasjh curtice o make false claims. And illegally place and report fictitious statements to the credit brought
Consumer complaint received 2018-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

My husband XXXX XXXX XXXX XXXX XXXX after a two year battle with  XXXX. I have a joint tenancy with my husband. I believe my husband got a loan and the loan was paid off. I spoke with XXXX account manager and he indicated that the XXXX loan was paid off. Somebody else named XXXX XXXX applied for a loan and used my house as security. The tax statements from Wells Fargo names XXXX XXXX as the borrower. I am paying the mortgage payments for seven years for money I never borrowed and my husband never borrowed. XXXX XXXX 's husband took the identity of my husband and was using my husband 's E-signature to get loans. Please help me. Wells Fargo is very involved with this fraud and I am here paying for someone else.
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (GA)

Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement NAVY FCU on XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX, and/or XXXX ] consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides XXXX A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; I did not Give Written Instruction to do and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). I have not initiated any transaction with NAVY FCU. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with NAVY FCU for review or collection. 
Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).
Consumer complaint received 2022-02-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX Bank was bought out or merged with another bank and during that process my loan ended and there was a problem at the end of the loan related to the credit reporting. They are reporting numerous late payments and currently reporting me as past due in the amount of {$12000.00}. 

I have filed a complaint previously and it was forwarded to the Office of the Comptroller of the Currency. I received a letter from them dated XX/XX/2022 and they stated that XXXX made a correction to delete the negative late payments. To date, they still have not corrected it. I am really at a loss here.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

have sent 4 dispute letters over the course of 5 months to Equifax disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 
ACCOUNTS ( 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 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Reviewed my payment history with XXXX  for this account l, and for some strange reason theres one late payment report. Not only is there one late payment reporting its immediately for 90 days not 30. Lets be clear eventhough this late payment is showing for XX/XX/2018 this is my character, my credit my reputation was never late Ive been a loyal customer of XXXXXXXX even until this day me and my family have XXXX XXXX simply asking for a correction to the way the payment history is reporting with transunion.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted TransUnion and ask that tgey address the following issues on my report. They have failed to do so resulting in my credit being updated and causing harm to me by way of unfair interest and credit worthiness. 

1. Remove unknown and inaccurate Names, Addresses, and Employment. 

2. TransUnion has also failed to update my XXXX card account ( acct # XXXX ) to reflect a balance of XXXX. I have checked with XXXX along with the two other major credit companies, all have properly reported this account accept for TransUnion. The last update TransUnion allowed was XX/XX/2021.
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AE)

I am requesting that my credit report dispute be reviewed. This is the XXXX attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.