davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MILES FUNDING, L.L.C. (TX)

XXXX XXXX I noticed XXXX XXXX to start to apply my mortgage. My realtor sent all the amendment to her on XX/XX/XXXX. According to the amendment we signed with seller, the closing date was XX/XX/XXXX. But XXXX XXXX said we can not closing on XX/XX/XXXX because we were missing appraisal. The mortgage company should make appointment earlier, but until XX/XX/XXXX, the noticed us that they just make appointment with appraisal company. On XX/XX/XXXX lender noticed me and seller we can closing on XX/XX/XXXX, but we received an email said we need a new appraisal, because the lender not approve the last one. Seller was very mad, because we have changed the closing date twice aready. Seller didn't want to sell the house to us unless we pay extra {$2000.00} to him. The final closing date was XX/XX/XXXX, it was delay 7 days cause us lost {$2000.00}. It was not our fault. I think the reason we delay so many days because the unprofessional mortgage company, the agent didn't do our document on time.
Consumer complaint received 2019-04-11
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: U.S. BANCORP (MI)

I applied for a credit card on XX/XX/XXXX through XXXX XXXX   branch in XXXX XXXX, Michigan. There were two credit inquires out of which I authorized only one on XX/XX/XXXX there is another credit inquiry on XX/XX/XXXX which I did not authorize. Recently I requested for upgrade of my secured credit card on XX/XX/XXXX through XXXX XXXX  branch in XXXX XXXX, Michigan for which I see a credit inquiry on XX/XX/XXXX but there is another credit inquiry on XXXX XXXX which I did not authorize.
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CT)

We were supposed to travel to Arizona with my wife and XXXX daughters. My younger daughter became very sick and we had to cancel my wife 's and my daughter trip. We purchased the trip with Sapphire Reserve Card which had travel cancellation insurance.We paid part of the price with the points we accumulated. 
I submitted insurance claim including proof that we purchased the tickets, signed form by the doctor and airline cancellation confirmation number. 
Despite this Sapphire Reserve Benefit service continue to require from me the same documents and adding new unreasonable documents that I can't practically obtain including ( see list of documents and my comments below ) : - A letter from the tour provider or common carrier that provides a breakdown of the unused prepaid flight expense, hotel, or cruise ( airline refused to provide me this letter ) - The copy of the Travel Supplier 's Cancellation or Refund Policies ( the airline does not send these policies to clients but we provided to the company airline trip cancellation numbers - see attached ) A copy of your original itinerary which includes the dates of travel, name of travelers and cost of the trip ( i already submitted this document ) The Physician Statement Form that you provided was not complete. Please provide us with a copy of the Physician Statement Form completed and signed by your physician ( I already did multiple times ) Verification from the Common Carrier, Tour Operator, Travel Agency, or Travel Supplier ( ex : airlines, cruise lines, hotels, etc. ) on their letterhead or email regarding any refunds or credits provided for future travel. ( Airline refused to provide this but I already submitted airline cancellation conformation numbers ). 

A copy of your updated itinerary outlining any change fees you incurred to change your trip or documentation from the Common Carrier outlining any change fees you would incur to use your credit at a later date. ( i just cancelled the trip and there is no such a document exists ). 

I strongly feel that Sapphire Reserve asks me for the same documents again and again and asks for the documents I cant practically obtain in order not to pay my insurance claim which is extremely straight forward in its nature : My wife and my daughter had to stay home and Sapphire Reserve has to refund their flight tickets.
Consumer complaint received 2019-04-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (KS)

purchased GAP insurance through Wells Fargo. Car was in wreck in XX/XX/XXXX. confirmed with Wells fargo in XXXX that I had Gap insurance and claim would be sent directly to them as soon as my insurance company XXXX sent the police report and claims loss letter. 
recieved confirmation from XXXX in XX/XX/XXXX ( via email ) that they submitted the payment and required documents to Wells Fargo and to expect them to recieve in 7-10 business days. 
continued to receive emails for the next monthly payment, Wells fargo reported to my credit bureau that I was delinquent. 
I have paid every single payment waiting for their GAP department to complete the claim. recieved a call on XX/XX/XXXX from the GAP department stating they never received the proper forms to complete the claim, confirmed with XXXX all documents and payments had been sent. 
Wells fargo refusing to process GAP claim and insisting I own an additional 3 months of car payments until XX/XX/XXXX. I have now filed a complaint with the Office of the President of Wells fargo, my state 's Attorney General 's office ( kansas, XXXX XXXX ) and will be contacting them again tomororw. I have also filed a complaint with the OCC.
Consumer complaint received 2019-04-11
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: EQUIFAX, INC. (GA)

I had an authorized user account closed in XX/XX/2019. XX/XX/2019 I had the same account on my Equifax report but it was missing information. The following month more information came off the same account. I paid off everything I used on this account in full every month for one year. The account was with XXXX XXXX. It now it completely blank. That positive account was removed from my credit file with Equifax but is still listed as a positive account with XXXX & XXXX. I want this account re inserted on my credit file with Equifax. My Equifax score is drastically lower than the other two bureaus.
Consumer complaint received 2018-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NY)

XXXX continued to bill me after I switched back to att. Their customer service agreed and told me it was taken care off but they still sent me to collections. I ended up paying the XXXX They claim I owed ( have prof they billed me for months after I switched my numbers back to att ). Ive spent hours on the phone with their customer service that is based in XXXX & got know where. Im sure others have experienced this from XXXX.
Consumer complaint received 2019-04-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

My father took out a loan from Fifth Third Bank in XXXX, XXXX for the purchase of a XXXX XXXX XXXX in XXXX, Florida. {$13000.00} was financed. All payments had been made on time up through and including payment due XX/XX/XXXX. My father passed away on XX/XX/XXXX. I was unaware that my father had taken out a loan to purchase this vehicle. On Friday, XX/XX/XXXX, the car was repossessed. Firth Third claims to have called the only number on file with the loan which was my fathers cell phone. This phone had not been used since my fathers death. At no point were we contacted by mail or any other means that the loan was delinquent. At the time of the repossession, the loan was 60 days past due. My elderly mother was then left with no vehicle and no understanding of what happened. 

We learned that the vehicle was repossessed from the XXXX Police department after my mother reported the vehicle stolen. In order to recover the vehicle from repossession, we were forced to pay off the entire loan balance plus the repossession expense. This totaled {$10000.00} which included {$450.00} toward repossession expense. 

We feel we were treated extremely harshly considering my father 's impeccable payment history prior his death.
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CO)

I received a letter from Citi XXXX dated XX/XX/XXXX noting my credit line would be decreased from {$12000.00} to {$2700.00} due to " Serious delinquency '' of the account. This is not accurate since the card has been paid on time and the account was completely paid off XXXX. I have had some challenges this year but have managed to keep this account managed and paid in full. I tried to resolve through the Better Business Bureau however Citi will not address this issue and only wants me to re-apply for a credit limit they reduced for inaccurate reasons ( as well as further damaging my credit score in re-application process with an additional hit on my credit ). Since they are not replying to the XXXX   complaint with reasons for inaccurately noting my account had " Serious delinquency '', I think this may have been an act of discrimination on the part of Citibank and that is why they are not addressing the real reason they took away my credit for inappropriate reasons. This reduction by Citi Cards removing the available balance significantly affects my business plans since I planned to use that card to help grow my business in XXXX. I have worked very hard over the decades to grow my credit and have several accounts with Citi Cards, this one is the most important to me since I established a credit line that gives me security and the ability to grow my business. By drastically reducing my credit line Citi has hurt my personal credit report and credit score as well as negatively affected my future business plans. If this is how Citi plans to treat me on a year in which I have had challenges but have overcome them to pay off this account in XXXX of this year, I will always remember Citi as the company that let me down after decades of giving them business and I will then plan my future credit plans without using Citi for any of my personal, family or business needs. Note : I am not interested in reapplying for credit when I had already spent decades establishing this account credit before Citi drastically reduced the account signally they no longer valued my business.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (GA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2019-04-11
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: Experian Information Solutions Inc. (CA)

I have two major credit cards, XXXX XXXX and XXXX XXXX, in excellent standings and Experian credit reporting is not reporting the credit on my report. I contacted one of the companies and they stated in a complaint resolution that they report to all three credit reporting companies I filed a complaint with Experian, and they sent me an email stating that they had a resolution, after trying multipal times I was not allowed to sign in to check the status of the resolution. I was sent four password changes and none of them worked, this is keeping my credit score far below what it should be, they are stating that I have no credit at all.

This company is also reporting a tax lien on my report that has been disputed and resolved in my favor which is doing major damage as well. 
my hands are tied and I can not move forward with projects and business ventures please help.
Consumer complaint received 2019-09-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MN)

I have over 30 hard inquiries on my credit report that I did not apply for. Some one applied for credit without my knowledge. I am outrage and upset because this have dropped my credit tremendously!!!
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my deep frustration and dissatisfaction with the repeated attempts to remove the late, closed, and charge-off accounts from my credit report. Despite multiple requests and efforts on my part, these negative entries continue to adversely affect my creditworthiness and financial standing. 

As a responsible consumer, I have taken proactive measures to address and rectify any past financial discrepancies. I have diligently worked with your organization to resolve these issues and have complied with all necessary procedures and requirements. However, it is disheartening to see that these efforts have not yielded the desired results. 

The persistence of late, closed, and charge-off accounts on my credit report not only undermines my credibility but also hinders my ability to access essential financial services and opportunities. These inaccurate entries paint an inaccurate picture of my creditworthiness and financial responsibility, which is unacceptable. 

I demand immediate action to rectify this situation and ensure the accurate reporting of my credit history. I expect your organization to conduct a thorough review of my account and take the necessary steps to remove the erroneous entries promptly. Additionally, I request confirmation of the removal of these accounts and the updating of my credit report accordingly. 

Furthermore, I seek an explanation for the recurring nature of this issue and assurances that similar errors will not occur in the future. It is imperative that your organization implements robust measures to prevent the reoccurrence of such discrepancies and upholds the highest standards of accuracy and integrity in credit reporting. 

Please treat this letter as a formal complaint and escalate the matter to the relevant authorities within your organization for immediate resolution. I expect timely communication regarding the progress of this issue and confirmation of its resolution. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX XXXX Balance : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a Wet Seal Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Experian, XXXX and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-22
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: Experian Information Solutions Inc. (TN)

On XXXX, XXXX 2023 All three credit Bureaus reported my mortgage company XXXX XXXX XXXX XXXXt ) sale/transfer to a different mortgage ( XXXX XXXX XXXX  XXXX ) XXXX 
This triggered a credit score drop of XXXX points. 
The sale/transfer of my mortgage loan was/ is beyond my control. 
Therefore, my credit score should have remained the same.

A drop of my credit score by XXXX points from XXXX To XXXX could adversely affect my purchasing power. 
All three Credit Bureaus do have dispute forms available but only for complaints against creditors. Not against themselves. 
What can I do to correct this problem?
Consumer complaint received 2023-01-09
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : 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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc. (FL)

A group of doctors from XXXX hospital are trying to get the money from me that I keep fighting for medical malpractice in XX/XX/XXXX underneath different debt collectors.. now it was all sold to Commonwealth. The malpractice is they kept saying noting was wrong with my XXXX and yes I can get previous prove that something was wrong with me XXXX and a doctor concealed it too in his doctor office since I had the XXXX as well he admitted they messed up on my XXXX XXXX as well. XXXX XXXX. 
also here what common wealth really is a backdoor. I contacted them today XX/XX/XXXX and the guy said to bad so they don't care.also old debt from XXXX and XX/XX/XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2019-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have made numerous formal complaint through the consumer Financial Protection Bureau and via mail to report inaccurate and incomplete information reported by XXXX and XXXX accounts listed on my credit report. According to FCRA 611 ( A ) ( 1 ) ( a ) I am entitled to a re-investigation. I have provide documents given to me by both credit furnishers through a federal agency which shows the authenicity of the information. I request that these two files be deleted immediately as in the past they have your agency have reported them verified and accurate when clearly they are not Also your agency has failed to state that XXXX purchased this account from XXXX as previous account
Consumer complaint received 2018-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

Card used for one fraudulent purchase. Citibank chose to text me at XXXX XXXX (! ) and call multiple times beginning at XXXX XXXX, which was XXXX XXXX  because I was traveling in XXXX. 

Why did they not simply send an email or letter about that fraud? Asked me about two or three other  charges and those were legit. 

Upon statement review, I have found other fraudulent charges and it's been a HUGE pain to get them to do anything about the other fraudulent charges. Including a 1-way ticket from XXXX to XXXX on XXXX XXXX for a passenger who's name does NOT match my name as cardholder. 

Complaint 1 ) NO TEXTS OUTSIDE OF BUSINESS HOURS Complaint 2 ) NO CALLS BEFORE XXXX XXXX   EASTERN IN CASE CUSTOMERS ARE TRAVELING IN THE US Complaint 3 ) MAKE IT EASIER TO DISPUTE CHARGES. SHOW THE SAME SENSE OF URGENCY IN FIXING FRAUDULENT CHARGESAS THEY DID TO CUT OFF MY CARD. 

It's clear they care a ton about Citi. Too bad they don't care about their customers nearly as much.