davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
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: SYNCHRONY FINANCIAL (CT)

On XX/XX/XXXX, I ordered a dresser chest from a company called home cinema center. On XX/XX/2022 it was delivered, upon delivery the box would not stand up, opening the box the chest drawers was severely torn, the legs on the chest were broken off as well as the box being severely torn. I tried contacting the company with no response. After the company received a chargeback, I began receiving harassing and defamatory emails. I contacted Paypal credit to get help on XX/XX/XXXX, to file a dispute. I asked the representative where do I send the pictures showing the damaged merchandise. I was told that, that was not necessary on XX/XX/XXXX PayPal credit sided with the merchant without notification or any update. On XX/XX/2022 I spoke with a supervisor that instructed me to upload all supporting documents and pictures. In which I did via message center through PayPal as well as by fax. I am now out of the merchandise and being billed for merchandise that I do not have.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

Im in disagreement with the accounts listed below, which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated the inaccuracies are highly injuries to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit, Reporting Act, Public Law, 91506, title VI Sections 611.

Provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

Sent a request form into XXXX XXXX XXXX XXXX XXXX for credit reports with the 3 credit bureaus, I haven't received any reports to date. According to USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) they received my request on XX/XX/XXXX.
Consumer complaint received 2024-02-14
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

I am in the process of trying to refinance a home using PennyMac. I have paid the down payment of $ XXXX for the appraisal, and in midXXXX XXXX an appraiser came to the home. He was here very briefly and spent most of the time outside. He took a few pictures inside and left, XXXX minutes outside the home, XXXX minutes inside. The home appraised for AT LEAST {$35000.00} below its value. This is because he appraised it as a XXXX bdrm, XXXX bath home with a den, when in fact it is a XXXX bdrm, XXXX full bath home. He missed taking a picture of the main water heater. He missed taking a picture of one of the bathrooms completely, and substituted one he found on the internet!! The bedroom was missed because he stood in the doorway to take the picture. After the appraisal was complete, I contacted the loan XXXX about the errors that were made. He asked for pictures of the rooms and anything the XXXX missed, which I sent, and promised to have their appraisal department look into it. This has not happened. My complaint with PennyMac is, they have ignored me, they've lied to me and they've cost me a great deal of money. I get inconsistent information from each person when they call, different closing amounts and different or no information about the appraisal. When I'm on the phone with them they don't listen, are rude, and talk over me. They are requesting {$38000.00}? {$34000.00}? be brought to closing, I don't even know. This is how inconsistent they are. This is ridiculous. I've asked them repeatedly to correct the appraisal and I am constantly getting the runaround. Today, XX/XX/XXXX for the first time they suggested I talk to the XXXX myself. This is not my job. They hired the XXXX, it is PENNYMAC 's responsibility to remedy the grossly incorrect appraisal that was done. Later in the day, another person called to tell me that Pennymac and myself have to accept the appraisal as is regardless of the mistakes, and that PennyMac does not have an " appraisal department ''. And further they have asked repeatedly for proof of funds to close, which I have provided repeatedly to different people. I took money from retirement, and paid taxes on it. I am regretting having done that, I am regretting having chosen PennyMac.
Consumer complaint received 2022-01-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (TN)

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a wet ink signature of a signed contract with the creditor. I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. I am invoking my specified remedy as a consumer, and the original creditor, I am demanding all of the following : XXXX out the balance on this account, Grant me my title lien free, Pay me all payments made to your company including any down payments from the inception of this alleged debt until the current date. Your next contact with me should be to either notify me that the XXXX has failed to provide verification of the debt and that the matter has been closed. Please confirm that I am not being held responsible for the debt in writing and the above specified remedies has been granted. I expect that you will provide me with all documents relevant to the debt as requested in my Debt Validation Letter submitted to your office via certified mailing and any other data that indicates my responsibility. In addition, you may not contact me by phone at work or at my home about this alleged debt. All future correspondence should be sent to me in writing. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity.
Consumer complaint received 2021-08-27
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. (TX)

I HAVE AN ACCOUNT REPORTING ON MY CREDIT REPORT THAT I DISPUTED WITH THE CREDIT BUREAUS BUT I HAVE NOT HEARD ANYTHING FROM THEM AND IT'S BEEN OVER 3 MONTHS
Consumer complaint received 2022-01-21
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. (FL)

I am myself and I am submitting this information from my personal com0uter. This is XXXX XXXX, My Information isnt correct. I have enclosed all verification documents of my identity. I am submitting this complain myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but these did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I appreciate you helping me with my request.
Consumer complaint received 2022-01-21
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (NJ)

I asked Wells Fargo to issue a cashier 's check for {$3600.00} on XX/XX/2021. This check was then mailed out and lost in transit. I went to one of their branches on XX/XX/2021, to place a stop payment on that check to prevent it from being cashed by anyone who might have possessed it. The stop payment was placed successfully, and they told me that I had to wait 3 months for the check to be reissued and paid to me. During this visit, I specifically asked the banker if someone tries to cash the check, will it affect me getting my money back in time, and they answered no. 

In XX/XX/2021, after the 3-month waiting period, a banker contacted me and informed me that someone attempted to cash this check during the waiting period. Though the attempt was not successful, I would now not be able to get the check reissued and have my money back. They told me that I had to instead wait for 3 years. 

Wells Fargo confirmed that the money is still with the bank, and I am the owner of the money. Therefore, it is unreasonable for them to hold it. Additionally, this new 3-year waiting period had never been communicated to me before. 

I filed with Wells Fargo an internal complaint, which they told me would be resolved within about 10 business days, and yet they took over a month to arrive at a resolution, which is that I still have to wait for 3 years. During their investigation, they extended the timeline multiple times and changed the case specialist without notifying me. I tried reaching out but got line-busy / unable to reach multiple times.
Consumer complaint received 2024-02-14
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-01-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I contacted bank America asking due to corn virus if could more time to pay and the department told I would allow to skip payment. it seem to me there was no communication between department and they reduces my to {$500.00} credit limit. upset greatly so told them close account. I had done business for over fifteen year
Consumer complaint received 2022-01-21
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. (TX)

XXXX XXXX charged and wrote off my credit card in XXXX of XXXX. The account is currently closed and charged off on my credit report. Today, XXXX XXXX XXXX reported a late payment to the closed account. This is a violation of the FCRA as it pertains to accurate and factual information. This account has already been charged off therefore XXXX XXXX should not be reporting a payment history on a closed account that is no longer accepting monthly payments. By reporting a late payment to my public consumer credit file, XXXX XXXX has violated the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2015-12-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

On at least XXXX previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.
Consumer complaint received 2024-02-14
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-27
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: U.S. BANCORP (GA)

At least for the last nine ( 9 ) months, may be more, every month I have a fraudulent charge on my credit card account. 

For the long time I was not able to understand how it could continue as credit card company was canceling my credit card, and replacing with a new one with new account number.

I believe it is connected to a " subscription service '' they are selling, so criminals are informed about change in credit card number.

My requests for : 1. Reject any charges without physical presents of my credit card or 2. Stop including my credit card information into " subscription service '' they selling were rejected. 

I believe the credit card company negligently engaged in supporting wide spread credit card fraud.
Consumer complaint received 2022-03-28
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (ME)

In XX/XX/2021 we successfully completed our mortgage modification trial period proposed by Wells Fargo. Prior to making our final payment during the terms of the trial period we contacted Wells Fargo daily and were unable to connect with our representative by phone or email. We waited on hold for hours, were disconnected when being transferred, and when we spoke to other representatives we were told that our modification was still being processed. 

In the following nearly XXXX months since the completion of the mortgage modification trial period we have continued to make payments faithfully. We have also continued to try to get in touch with Wells Fargo only to find ourselves back in hold, having our point person changes several times, being transferred to representatives that sincerely seemed as puzzled as we are about why the modification has not been completed. 

At this point we reached out to an advocate to help us resolve the modification and move on to a more sustainable management of our mortgage with Wells Fargo going forward. Wed like the modification to be completed. 

In addition to this delay, our payments are not being fully applied as less than the prior amount, & therefore accruing additional interest inappropriately and continuing to cause damage to our credit. 

Sincerely, XXXX XXXX & XXXX XXXX
Consumer complaint received 2021-05-11
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. (KY)

I have requested they investigate several accounts that are being reported incorrectly. I have mailed letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There are more dates but I feel this shows my attempts to work with them. My requests were to investigate and provide me details of the investigation. I requested them to delete the account based on they are reporting incorrectly. All I get is responses based on them submitting codes. No investigation ever happened. They have never provided me details of an investigation.
Consumer complaint received 2019-01-11
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: AmeriHome Mortgage Company, LLC (NJ)

In XXXX of 2018 I took out a mortgage with a lender and had payment set up at closing. Then my loan was sold/transferred to Amerihome Mortgage. As soon as it was possible I set up autopay with Amerihome and even received confirmation that it was set up. Unfortunately due to reason related to our bank account name not matching the name on the loan ( I had used an LLC name on my bank account ) it was rejected by Amerihome. By the time I received notification I was late on my payment. I then called and attempted again, following directions provided by Amerihome to remedy the situation regarding the names not matching. I provided proof from the bank that the sole signors on the bank account matched the name on the mortgage ( me and my partner ) and was told that this should fix the issue. Again it failed to work and by then I was late another month. By the time I fixed the situation on a third attempt my credit score was severely affected. I called Amerihome about this and was told that it would be in my best interest to file a dispute to all credit bureaus on my own as it would be a faster resolution than if they did it on their end. I took their word for it and almost 60 days later my credit score is still down by nearly 100 points. I have never missed a mortgage payment on any mortgage before this and have worked very hard to maintain a high credit score. I don't dislike Amerihome, I just want my credit score to be returned to where it was.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (GA)

No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff in the amount of {$13000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) In 2017 I purchased the vehicle and paid the dealership the required down payment. It took the dealership a week or more to provide me with the final paperwork for the purchase. Prior to receiving the paperwork from the dealership, I learned that the vehicle sustained major flood damage from XXXX XXXX. The dealership never disclosed this information to me prior to my purchase. I returned the vehicle under the XXXX XXXX and was assured by the dealership that this return was within the time frame allowed for the XXXX XXXX and that this return would not affect my credit. XXXX XXXX is now reporting a collection/chargeoff to the XXXX XXXX XXXX XXXX credit bureaus in error. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have made numerous attempts to contact XXXX XXXX as well as the bureaus to remove this false reporting however, I have not been successful.
Consumer complaint received 2023-03-06
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: KCB Credit LLC (LA)

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX KCB Credit LLC XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX