davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX Appalled by that information, I went directly to XXXX XXXX and in their response to my inquiry they claim to have never verified this item with you and gave me the enclosed letter stating they couldn't verify the bankruptcy .This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the letter from XXXX and the court house for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (GA)

Credit Control Services Inc is  reporting negative information on my credit report. I have reached out to them and the people who " supposedly '' sold my account to them. I have NO CONTRACT with them nor the companies who sold them my information.The negative reporting is damaging my credit file. They are unable to provide any documentation that I have an contract with them. The address they have affiliated with this file is not mine. I offered to provide them proof of my address where I have been living for almost two years.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (SC)

I visited an XXXX XXXX XXXX on XX/XX/XXXX and order a XXXX  that was supposed to be delivered XXXX XXXX. It was not delievered. I reached out to XXXX XXXX XXXX and they advised that I needed to reach out to my bank in order to get the refund because the shipper was unable to validate who picked up the XXXX  or where the XXXX  was located. I submitted a dispute with Chime and explained this to them .. Chime then denied the claim and said that MERCHANT CONFIRMED THAT THE TRANSACTION WAS MADE AT THE PHYSICAL LOCATION. However, I NEVER said that I did not purchase the item. I said I never got the item, I never picked it up. It was NEVER SHIPPED TO ME!!! 

I went into the store, purchased it and it was supposed to be shipped to me. Never was. The item that was purchased was a car XXXX. Which can NOT be brought in a store. Which means that the customer never left the store with the item. For Chimes records I have attached a copy of the conversation with a XXXX XXXX XXXX Agent to confirm this information. Again, I need this claim re-opened and corrected. I ALSO HAVE ATTACHED THE COPY OF THE LETTER FROM XXXX XXXX XXXX Merchant verification or validation Merchant confirmed that the transaction was made at the physical store to justify the member provided an original receipt that confirmed the member received the item and service upon leaving the store merchant also breakdown the member charges. Compelling documents. If you wish to continue to dispute pls contact directly the merchant. 

HOW CAN A PERSON LEAVE A STORE WITH A XXXX PLUS POUND OF XXXX? 

WHEN THIS IS ALL SETTLED I WANT THIS CHIME ACCOUNT CLOSED
Consumer complaint received 2021-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc (TX)

On XX/XX/2021 I requested a virtual card for {$450.00} from Affirm Financial. The request was approved. I used the card to purchase a mobile phone from XXXX XXXX online on that date. The phone was shipped to me from XXXX XXXX but when I tried to activate it, I received the message " unable to activate ''. I called XXXX XXXX customer service and was told the phone had been flagged as stolen and and could not be activated. I was told I could either return it for a refund or have a new phone shipped. I opted for a refund. XXXX provided a return label and I shipped the phone back on XX/XX/2021. Tracking shows it was received on XX/XX/2021. 

I contacted Affirm Financial, explained the situation by opening a dispute. I provided all available documentation I have. As near as I can determine, XXXX XXXX has not issued a refund as they have provided no further contact. Affirm Financial representative responded to my dispute against XXXX saying it would take 90 days to review all documents. Today my account shows " PENDING, PROCESSING DISPUTE '' and no other details. 

After nearly 2 months, I still do not have this simple transaction to purchase a new phone resolved. Both XXXX XXXX and Affirm Financial have not demonstrated any attempt to expedite this matter. If I had known Affirm would slow walk any issues with their virtual card, I never would have utilized it.
Consumer complaint received 2019-08-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

In late XXXX I looked into a Home Equity Line of Credit, I spoke with a representative from three different companies, one being my mortgage lender, and all three said my home valued around {$160000.00} from their research, no appraisal conducted, just that I was able to take a HELOC. I ended up going with one that did not own my mortgage loan. 

Now, in XXXX of XXXX I decided to consolidate the mortgage and HELOC, appraisal came in with {$170000.00} value. When I stressed I didn't want to pay mortgage insurance anymore, my XXXX XXXX Loans rep said you shouldn't have been because your house is worth a lot more than your debt. After digging a bit, it seems when I was looking into a HELOC, I should have requested Wells Fargo to drop my mortgage insurance, and from what I saw once it hit the 78 % mark, they should have dropped it but didn't, to make matters worse, after my refinance closed they hit me with two more months of mortgage insurance, so now in my eyes, they hit me with around {$800.00} of mortgage insurance on a home worth XXXX, when only XXXX was on their loan, so I brought it to their attention. 

After a few messages to their secured site, I requested a review and to have them e-mail me, they insisted on calling, refusing to e-mail or even use their secured center which I found shady in and of itself. After having no luck in calling or receiving calls from their executive rep XXXX, I sent another message and got a call from another rep named XXXX, I was able to take this call and explained everything to her. 

She got back to me today with the reasoning of " mortgage insurance runs off the original value, not current '', but online said there was an option of requesting them to relook, and use their appraiser ( at my cost ) to see if they can change it. Beyond that, the double charge after payment was because " those were the 2 remaining months left still owed ''. So, mortgage insurance is supposed to be there so they don't get ripped off, they take sacrifice making the loan, but after dealing with them for a few years, never being late on a payment, they are going to pull this? Charged for mortgage insurance, even after mortgage was closed. 

While I feel I was ripped off of a few hundred dollars, I know I am not going to get back, I want this reported so others can learn from it. Wells Fargo is shady, their policy for mortgage insurance is a scam in my eyes and just a way for them to make extra money off people that can barely afford it.
Consumer complaint received 2018-07-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (TX)

I have a loan with WELLS FARGO DEALER SVC. 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 WELLS FARGO DEALER SVC 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 XXXX XXXX / XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2023-11-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Tesla, Inc. (FL)

Pls refer to case # XXXX A Tesla rep called and offered credits for the early termination of the lease. 
The rep Never stated ( calls were recorded by Tesla ) that these credits weee to be applied regardless of when the vehicle was returned In fact ( recorded on the calls as well ) he was pushing for an early return of the vehicle Never was it stated that these credits would offset by any early return of the vehicle.. 
In fact these credits with the companys action dilute the effectiveness of the credit given scamming consumers out of moneys
Consumer complaint received 2018-07-07
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sortis Financial, Inc. (OH)

Back on XX/XX/2010 I found a house in XXXX Ohio XXXX with a for rent sign in the window. I called the number XXXX and a guy answered by the name of XXXX XXXX and advised me he was with XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX  and that I could obtain the property if I could fix the home to live in and pay XXXX down and XXXX a month until I reach XXXX for the deed to be transfer in my name or I could opt to rent the home. Well it sound like a great idea at the time due to my living situation. So he forward me an application I completed it and he sent a notary to me to sign a contract then I sent him XXXX and I paid XXXX for a few months then I went to call the number to ask some questions it was disconnected. Then I started receiving letters from different loan servicing companies. So I started to do some research online and found out it was a scam the taxes were not being paid and the contract was never filed with the state of OHIO as a land contract or anything. I started to read online reviews and it said to just follow the lender so as I am getting letters from different loan servicing companies which was about five I believe telling me to pay. I just started to pay seeing as if I just spent XXXX to fix up the home. Then the amount change when it went to clear spring loan servicing aka sortis financial so I stop making payments and been trying to fight my way out of the home with my good name in tack. Out of all the loan servicing companies who were collecting for whoever this lender is only one has reported to my credit bureau which is clear spring loan aka sortis financial they had reported this is a conventional loan mortgage, and it is close due to transfer with a XXXX balance. I am in the market to try to obtain a rightful loan with a bank and I can not get any assistant from the OHIO HOUSING FINANCE AGENCY. Because its reported on my bureau I have a mortgage. Theres no deed with my name on it from the state of Ohio, I have no rights to obtain anything on this property. This is fraudulent I have contacted an attorney who told me to move and walk away. But its reported to my credit report as if I had a mortgage. I been in contact with SORTIS FINANCIAL AKA CLEARSPRING LOAN and they will not remove this from my CREDIT REPORT they just keep giving a explanation its close as transfer to another lender who has not reported to my credit report. I keep disputing this with the credit bureau and only XXXX has removed the remark. XXXX and XXXX will not remove this remark. Please advised me
Consumer complaint received 2019-06-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (WI)

I received a letter dated XX/XX/2019 informing me of a date breach. When I called the number provided I reached a call center that told me they can not give me any details on the issue and gave me another number to call. When I called that number, it was a continues loop that just kept saying your estimated wait time is 7 minutes. 29 minutes later an operator picked up the phone. She would not give me any info. Would not tell me what card info was exposed or what information was at risk.
Consumer complaint received 2019-06-20
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. (IL)

I asked TransUnion to send me a sign document or original contract to a item that's on my credit report for file number XXXX because i can not identify this item in the amount of {$5700.00} and they fail to do so but yet states that its accurate and did not provide me with the information that will help me identify this item as true,
Consumer complaint received 2019-08-05
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: Experian Information Solutions Inc. (TX)

Was denied credit two times. Went online and ordered credit report. Did not get report. Went online and opened acct to view. The information that Experian had was all old info and all was closed XXXX. I have numerous accounts open now including mortgage, vehicle pmt, tractor pmt, several credit cards. Nothing current shows on my report. Tried to contact Experian several times.Most current today, XX/XX/XXXX. Recordings are not conducive to getting things done.Tried dispute section online.Did not present relevant choices. My spouses credit report is fairly accurate.I would like to talk with a person at Experian but seems impossible!
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I never had a account with this company. Never applied for anything. Now they saying I had an account back in XXXX. I never applied for this account either. I didn't even notice it on my report because it is closed. I need both of these account removed from my report immediately as this was never me. Every time I call its a different story. The very first time I contacted them they sated I did not have an account with they after taking my information. 

XXXX XX/XX/XXXX TBOM/FORTIVA XX/XX/XXXX
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (DC)

On XXXX XXXX I received a letter in the mail from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  stating I owe a balance of XXXX according to XXXX XXXX XXXX the obligation or other security of the United States includes all bonds, certificates, of indebtednessXXXX XXXX XXXX currency XXXX fXXXX XXXX  notes, XXXX XXXX XXXX  notes, coupons United States notes, treasury notes, gold certificates of deposit, bills etc
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Credit Network Inc (CA)

In XX/XX/2021 I reached out via letter to XXXX XXXX XXXX to resolve this account. They were unresponsive. I followed up again as a follow up in XX/XX/2021 to resolve this account. This company was unresponsive. Please remove this account as this company has been unresponsive and did not respond in the allotted 30 days. Please remove from my credit report.
Consumer complaint received 2021-06-14
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. (TX)

I called Experian and spoke with a representative explaining that there are several fradugelent inquiries and an account from XXXX listed on my credit report. I have explained that I did not ask for these things or applied for anything with my personal information. They instructed that I send in an Identity Theft Report and my ID which I have in the past but they keep saying that they didn't get it. I am attaching the information to this complaint.
Consumer complaint received 2018-07-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Army and Air Force Exchange Service (TX)

I have a loan with XXXX XXXX. 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 XXXX XXXX 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-XX/XX/XXXX.
Consumer complaint received 2022-03-25
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: Experian Information Solutions Inc. (PA)

These accounts are fraud and need to be removed from my credit report immediately. I am a victim of identity theft and did not make this charges. Please remove these as soon as possible. I included FTC XXXX affidavits about the alleged accounts. Please delete these accounts as they are causing me substantial harm & inconvenience as a consumer.
Consumer complaint received 2021-11-18
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

XXXX XXXX XXXX ( account XXXX ) is now holding a current mortgage note reporting on my credit that DOES NOT contain my signature. I did not approve of this modification and I would have never agreed to these terms had I been given the opportunity to review these documents. XXXX XXXX assumed liability of this mortgage when it was serviced by XXXX and approved of these terms, clearly without review. XXXX approved releasing me of all liability through a modification and then assumption in XXXX, then transferred the mortgage to XXXX XXXX XXXX However, XXXX  XXXX XXXX is still reporting this to my credit. I am not on the NOTE or the Deed to this home. 

In XX/XX/XXXX, the balance on the XXXX  XXXX XXXX loan was {XXXX}. In XXXX, I was removed from the Note and the Deed while being serviced relief by XXXX Mortgage. From that date until XX/XX/XXXX, after heavy research, {$XXXX} was added to the loan for unpaid installments, interest, late fees, other fees and costs, etc. The payments were only {XXXX} which included escrow. This is a gross overestimate of added fees and this is unlawful. 

XXXX XXXX XXXX  ( service relief by XXXX # XXXX ) increased this loan amount ( account XXXX ) by {$XXXX} for late fees and interest according to these documents. In XXXX of XXXX, {$XXXX} was deferred for a principal adjustment, another erroneous number. In XXXX, this loan amount was {$XXXX}. Now, XXXX years later with no cash out refinancing ever done, its totaling {$XXXX} - interest bearing and non-interest bearing- due to fees and interest In XX/XX/XXXX, XXXX  XXXX XXXX XXXX began servicing this loan, after I was removed and their records shows a principal adjustment of only {XXXX}, and a balance of {XXXX}, which would be a total balance of XXXX, not the XXXX. I have attempted to write XXXX XXXX XXXX email, call, etc. for XXXX years now and no one ever gets me to the right department. No one calls me back. Everyone says they'll look into it but has no answers for why my signature is not on the current NOTE being held by XXXX XXXX XXXX XXXXd why the balance is incorrect. This is affecting my credit, one, because its not my loan, and two, because of the terms and conditions ( balloon, erroneous loan amount, illegal amount of deferred interest ). The balance is reporting as HIGHER than the high credit limit and the loan has been established for XXXX years. This is fraud on so many levels.
Consumer complaint received 2024-02-13
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: Experian Information Solutions Inc. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. XXXX XXXX and XXXX XXXX.