davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cornerstone Home Lending Inc. (NM)

An escrow account refund is expected, in the amount of {$860.00}. I would have been sent to me after i paid off my loan in XX/XX/XXXX. In XX/XX/XXXX, I called CORNERSTONE HOME LENDING, LLC - SERVICING DEPT, in New Jersey to find out about the refund check. A check was issued, but lost in the mail. They said that they would put a stop payment on the check i never received and would issue a new check. In XX/XX/XXXX, I called to check status on the check, but each time I called, I was unable to reach any one to speak to directly. I couldn't speak to anyone in the servicing department, because either he line would ring and then drop, or the person who would answer the phone said I needed to be transferred to another person. Then, when transferred, I would hold on the line at times for up to 2 hours, only for the line to drop after the long wait. This has happend time and time again, in fact on a weekly basis since XX/XX/XXXX. I have been calling weekly, with no success in reaching someone for help with my refund check status. The week of XX/XX/XXXX, I did finally reach a representative via email, who has been trying to help me from her XXXX office. But, even she, an employee, has had issues in trying to connect with someone in the New Jersey office. In the meantime, today is XX/XX/XXXX and i still do not have my refund check of {$860.00} from the Cornerstone Home Lending, due from the month after my loan was paid off in XXXX, and there is no interest being paid to me on the {$890.00} amount of money, because I do not have it to deposit in to my personal interest bearing savings account.
Consumer complaint received 2017-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (SD)

Disappointing Service and My opinion not worth the {$95.00} per year. 
I found Chase XXXX rewards membership is misleading in couple of counts. 
I booked my hotel via Chase website. But they are not adding the hotel loyalty number despite the fact that they do not pass the information on to the hotel group. 
When I signed up I was looking for a good travel card where I can optimize my hotel loyalty membership. During my research I found that Chase has flexibility with Hotel reward membership, at least thats what they want people to believe. 

Now when I signed up I found that it is totally misleading. The hotels reservations you make through Chase ; you can not add your loyalty membership. Although they ask you to enter it while booking making you believe that your loyalty membership is considered. Possibly to make the customer feel that they will get their hotel membership privileges. Preveleges like late checkouts, free breakfast etc wont be available which Otherwise would have been available. 

When you call customer service they ask us to call the hotel directly to make them add your loyalty number. Again misleading customer to get off the phone and just try to 'escape ' the call.
Consumer complaint received 2021-05-06
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. (PA)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2017-12-20
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. (KY)

Hello, I have tried several times to get to speak with XXXX as well as the credit companies ( XXXX, transunion and XXXX ) about the multiple inaccuracies on my credit. My student loan report " good, good, good '' for months in a row and then the following month will jump to 120 days past due. After that XXXX past due it will go back to good standing or they will not report for a few months. I do not understand this, however this is a reason I can not get approved for a home loan. Can anyone help with this?
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ATTACHED YOU WILL FIND A SETTLEMENT LETTER THAT WAS PAID AS AGREED BY XXXX XXXX. THE SETTLEMENT AGREEMENT STATED THE ACCOUNT WOULD BE CORRECTED TO READ AND REFLECT AS A PAID IN FULL ACCOUNT AND CORRECTED TO READ AND REFLECT AS A PAID ON TIME ACCOUNT WITH NO DELINQUENCY. 

TO DATE THE ACCOUNT STILL SHOWS TO REFLECT A DELINQUENT AND OPEN ACCOUNT. THE ACCOUNT SHOULD REFLECT PAID AND ALL DELINQUENCY CORRECTED TO BE PAID ON TIME WITH NO 30/60/90 DAY DELINQUENIES.
Consumer complaint received 2022-10-11
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I have talked to the bank and they agreed to REPAIR the account in my file. So what's happening there at Equifax? If Equifax failed to comply with the condition and continues the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon as possible : XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (OH)

On XX/XX/2022 Discover deceitfully reported my current balance instead of the statement balance on the day my bill closed which was {$70.00} and my credit score dropped over 37 points. I called and spoke with a supervisor XXXX who stated she would submit a dispute to Discovers credit bureau investigation team. This needs to be corrected immediately as this is an illegal practice. I am not legally responsible for a balance that wasnt billed to me ( especially for a pending transaction that hadnt posted when my bill closed.
Consumer complaint received 2022-03-02
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. (MO)

XXXX of XXXX, XXXX of XXXX, and XX/XX/XXXX I sent certified letters to XXXX, XXXX, and Transunion demanding verification of XXXX XXXX and all of the documentation for verification of the account to be provided to me. I sent the requests via certified mail and never received any documentation of the verification ; and the transaction was updated to include more erroneous information. 

I sent certified letters requesting the following 1. The name of who verified 2. Documents that show I agreed to pay 3. Agreement that grants XXXX XXXX authority to collect alleged debt 4. Purchase Agreement 5. My signature saying I agreed to pay debt If you can not send me this information I demand you to remove the account. If not I will be taking this into litigation for willful non compliance pursuant to 15 USC 1681n and will be expecting and invoice for {$1000.00} per violation.
Consumer complaint received 2021-12-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX  days and I have not received a repsonse. I did my research and I am for sure that they have XXXX  days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (TX)

I sent disputed to Equifaxfor inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (OH)

Initially was a co-owner on a mortgage in XX/XX/XXXX. Filed a chapter XXXX bankruptcy, discharged in XX/XX/XXXX. Mortgage responsibility was never reaffirmed. PHH is incorrectly, illegally reporting the mortgage account on my report with derogatory comments and history, listing a balance I am no longer responsible for. I was scheduled to close on my dream hone for myself and my children XX/XX/XXXX. This erroneous information in my file is preventing it. I have contacted the creditor to request a letter of intent to delete this account from my credit files with XXXX, XXXX, and XXXX ASAP. I provided a copy of my discharge. PLEASE HELP
Consumer complaint received 2019-08-15
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: DISCOVER BANK (KY)

On XX/XX/XXXX, I called in and the rep advised that I can make a payment of {$42.00} by XX/XX/XXXX to avoid being reported late to the credit bureau. THE REP DID NOT SPECIFY A CUT OFF TIME!!! The rep was providing me information that is not on my statement, I should not have to go back and look at the statement to clarify the time. THE REP SHOULD HAVE ADVISED ME OF THIS!!!. I logged in just as she advised and made my payment on the XXXX! I have spoken to XXXX at the Executive offices of Discover and the company has acknowledged that I was not given a cut off time, however, they are not honoring this. Discover also has record that I logged into their system on the XXXX and made the payment as directed. The company is using me as a test dummy to train employees, this is bad business! I was given information that I followed that has negatively affected my lively hood! This needs to be corrected immediately, if this is not corrected I will have to proceed with legal action!
Consumer complaint received 2017-12-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

On XX-XX-2017 I, XXXX XXXX XXXX XXXX, tried to open a new checking account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD. XXXX. I was told that I could not open an account, due to a ChexSystems report containing a file produced by XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX in reference to a Checking account held by myself, mother XXXX XXXX, and wife XXXX XXXX rtn.XXXX acct. ending XXXX. Closed non-sufficient funds X-X-2017 amount {$3700.00} This negative balance was a result of a charge back, reversal of provisional credit, as a result of fraudulent payments to XXXX drawn from the account in my mother 's name. This credit should have never been reversed, because the account was even deemed fraudulent by XXXX and payments were not due by anyone on the account. Furthermore, this should not effect my ability to open an account at another bank, for It did not concern me, my XXXX account, nor my ability to pay back a credit that was not my business even though the credit should have been sustained in the first place.
Consumer complaint received 2017-12-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CASHCALL, INC. (CA)

I took out a loan from Cash Call 2 years ago and they have attempted to collect the debt through very unprofessional tactics. They would call my place of employment and my relatives threatening them. They recently sold my debt to a company called XXXX XXXX XXXX and this company has used the same scare tactics to get me to pay when I have informed them that I am not financially able to afford the payments they have laid out for me. They have threatjyed to take me to court. This has caused a lot of mental and physical stress for everyone around me. My relatives are being harassed constantly.
Consumer complaint received 2023-03-30
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. (TX)

The following inquiries below were not authorized and I was unaware on any of these below please delete immidiately FCRA violation : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XX/XX/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 XXXX 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 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I am victim of fraud. Bank of America did not complete due dilligence and decided to deny my fraud claim without doing any research in the disputed transactions. They provided frivelous reasons such as delay fraud reporting, transactions in geopgraphical area and transactions did not drain the account. I reported this within 7 days of first fraudlent transaction and that well before the 60 days after account statement. So the denial reason is illegal and grossly inaccurate. The are using stall tactics to prevent from having to lawfully credit customers account for valid fraud claims because they are unable to complete investigations with the ten business day timeline. This is a burden on consumers as Bank of America is not operating in good faith. I already reach out to couple of the Merchants who have acknowledged this is fraud the customer they have on file does not match anyone I know. Bank of America denied the claim without doing any research. This type of bad faith denials and delay tactics which places the blames on the vcitims of fraud must be addressed immediately. It is a business practice that will seriously harm those below a soci-ecocnomic status who are being denied timely crediting of fraudlent charges.
Consumer complaint received 2021-03-30
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 XXXX XXXX XXXX # XXXX XXXX TX, XXXX XX/XX/XXXX XXXX Credit Bureau Name Bureau Address Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting which are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

XX/XX/XXXX Accounts are being reported with different either different payment statuses or the balance is {$0.00}. Under date last active. If this is the same account being reported by the same creditor why is the information different? Furthermore, if my balance is XXXX, why is the account still on my credit report?
Consumer complaint received 2018-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

In XXXX Navient advised me about the Forgiveness Loan Program by phone when I called in inquiring about my student loan. I was sent the ECF form for my employer to confirm I was a XXXX XXXX employee. I completed & faxed back to the number indicated. From that point after speaking with Navient I was told once I make 5 years with my employer I will be placed on the Forgiveness Program for 10 years but until then I will be placed on the Forgiveness Program for 25 years. I called XX/XX/XXXX to inquiry about my the increase in payment on my account but then found out I'm on the 25 year plan indefinitely. Navient provided me with the number to XXXX XXXX to inquire why I'm on the 25 year forgiveness instead of the 10 year. XXXX XXXX advised my federal loans did not qualify as they needed to be converted to direct & I would have to start over making payments once they were re-consolidated. They stated I should have received a denial letter back in XX/XX/XXXX when I faxed the ECF. I never received any denial letter nor was I aware I had to deal with another servicing company outside of Navient. I was never made aware I could have been on the forgiveness plan back in XX/XX/XXXX which means I will have completed my payment plan once consolidated. I was not made aware of the necessary things in order to pay of my student loans until XX/XX/XXXX nearly 11 years after the forgiveness program. I should not be responsible for having to start my loan payments over at 0 after paying for over 15 years.
Consumer complaint received 2017-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (ID)

I emailed a cl add ( XXXX ) about buying tickets for the world series game and left my phone number in the message. The guy text me and I called him back. After speaking to him ( XXXX XXXX XXXX ) and him sending me the XXXX confirmation email for his purchase of the tickets, he said he would transfer in my name once he was paid. He said to XXXX him through friends and family and he gave me his XXXX address. I went ahead and sent him the {$2000.00} for 2 tickets. XXXX ended up blocking his account. Him and I went back and forth in text messages, phone calls, and 3-way with XXXX to get my money back from XXXX. I was assuming this was all legitimate since we spoke on phone and texts continually throughout the day. He asked me to pay him through XXXX since XXXX did n't work, so he could get the tickets over to me immediately so I ended up paying with XXXX a total of {$2100.00} with my credit card. XXXX called and text me stating he was headed to pick money up. I text him about 30 minutes later stating where 's my ticket information so I could print them out. I also called him and he said he was having issues with XXXX because he bought them with XXXX which closed his account. XXXX told me if he could not get them to fix the issue he would just refund my money, but to give him time cause he was on the phone. I kept texting him stating he was making NO sense about what he was telling me. After we got off phone I decided I was NOT going to deal with this and I just wanted a refund so I text him this. He text me back stating he would know if I could pick up tickets at the window by XXXX XXXX. I continued to call and text him all night about sending my money back and he refused to answer. I then called XXXX myself around XXXX XXXX and found out it was all a fraud transaction. I continued to text XXXX with no response throughout the night and into the morning with no response. I then contacted XXXX after XXXX XXXX hearing nothing from XXXX and reported fraud to XXXX. I also contacted the police dept in XXXX Nv where he picked up the money at the local XXXX and they said to file report in my home town which I did so immediately. Detective XXXX said nothing could be done about this transaction. XXXX has said nothing could be done about this transaction. I have since received a text from a XXXX stating XXXX that XXXX is in a coma. I told him XXXX needs to pay me my money back immediately and to call the detective