davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have sent dozens of XXXX letters requesting inquiry removal off my account because most of them are not done by myself from years ago being a victim of identity theft, well instead of removing said items Experian adds a security freeze to my account instead, well I call in and ask why it was added and behold nobody knows why this was done, and it is only on my Experian report. Well, I send in more letters, and they respond back that they will not remove anything from my report, but my million dollar question is why I am seeing and personally know some people who made one phone call and didn't have to send in anything at all and got every single inquiry removed off their report with no issues, but instead of responding to my request they just add a security freeze to my account and then have no record of doing so and not wanting to budge either or follow suite with the removal of unauthorized inquires saying I have to contact each individual company, do you know how many stamps that is going to take?! I sat in a room with someone who made one single phone call to Experian and had 51 inquiries removed in less than 15 minutes and then I send it letters after letters and call after call and nothing, stamps are not cheap at all, and they are not wanting to cooperate at all, but will for others, this is absolutely not fair at all! Answers please?!
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX, XXXX, XX/XX/2019 FOR 3060/90/ DAYS? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Red Mortgage, Inc. (CO)

Hi, First off, my loan process was started on XX/XX/XXXX with XXXX XXXX with Sage Mortgage and I specifically selected Sage over XXXX  XXXX because of his wonderful communication and customer service from XXXX. I was able to upload all necessary documentation by XX/XX/XXXX and everything seemed to be going smoothly until XX/XX/XXXX. At this time, my emails and calls remained unanswered until XX/XX/XXXX. This was due to the fact that XXXX was no longer my loan officer. This was never communicated with me, nor contact information provided for the new loan officer. Instead my emails and phone calls simply went unanswered. From there, XXXX XXXX XXXX, my loan processor was the only one working on the loan and it seemed as if she could not access the information I had given to XXXX because duplicate information was requested. Even more concerning, I was told that the information I provided about my condominiums insurance policy was incorrect. So I contacted the insurance company with information given to Sage in order to attain the master policy. They were able to provide this the same day. Considering this is a service that Sage is charging me for, it is odd that I needed to do it for them. 

Thankfully on XX/XX/XXXX I was assigned a new loan officer, XXXX XXXX. His communication was great at first except he, like XXXX, was requesting information that I had already provided weeks ( if not, a month ) earlier. Unfortunately, that same day all communication from XXXX halted and he was unable to get a hold of via email, phone call, or text. Not until XX/XX/XXXX did he contact me again to let me know he couldn't communicate with me because of an issue with his licensure in Colorado. He then halted communication that same day and once again no communication has been provided about my loan. 

My rate has now been extended twice by XXXX. After multiple attempts at talk to a supervisor or manager for months I've yet had success. Please help me figure out what is going on with my loan.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
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: JPMORGAN CHASE & CO. (CO)

JPMCB I have written to this company multiple times, and I have written to all three credit bureaus, XXXX, XXXX, XXXX, and XXXX multiple times. For verification, and accuracy of this debt Also, the statue of limitations on the debt JPMCB has not, and will not respond to any of my correspondence, and none of the three credit bureaus will respond to me in writing, regarding the verification of this debt and the end accuracy of it along with the statue of limitations they are violating my FCRA rights
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (FL)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

In XX/XX/XXXX we discovered we had a number of delinquencies on our Wells Fargo Home Equity account that was creating difficulties for us in getting a new mortgage loan. We hired XXXX XXXX to intervene on our behalf. Upon receiving our credit bureau reports in XXXX, we found that our Wells account had late payments showing for XXXX, XXXX, XXXX and XXXX depending on which service one looked at. We disputed these results through XXXX XXXX. Wells Fargo disagreed with our dispute of these entries. We then spoke directly to Wells Fargo in late XXXX and protested the treatment. We walked the credit person through reports issued by them, and got the on-line person to agree with our conclusion. They said they would submit a dispute to their internal XXXX XXXX XXXX in XXXX MT. We received a response from XXXX in early XXXX ( letter dated XX/XX/XXXX ). The supporting detail provided listed due dates and payment received dates. They omitted the amounts received on the payment receipt dates. Had they taken the receipt date and looked at the amount received, they would have concluded that there were no late payments since we were making timely payments and advance payments for the next period on the same date. Wells completely failed to match up amounts due with amounts paid. 
This has resulted in a lowered credit rating than we have actually earned. We subsequently twice appealed via fax to this group in Billings that will talk to no one but have never received a response. This was on XX/XX/XXXX andXX/XX/XXXX.
Consumer complaint received 2023-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (NY)

Hello, I have received numerous calls from the Sallie Mae student loan company for a loan I do not have. 

I have no student loans. 

Since XXXX, they have called me weekly, sometimes more, to collect from someone named XXXX XXXX. I have no idea who this person is. 

On XX/XX/22, I called and spoke to an employee named XXXX, employee number XXXX. She told me she would take care of it. She did not ; I received more calls. 

On XX/XX/22, I called again and spoke to an employee named XXXX XXXX. She too said they would fix the problem. As of Monday, I am still receiving calls from Sallie Mae. 

Thanks so much, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
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)

In accordance with the fair credit reporting act Account : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX, Account # : XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and p
urpose.
Consumer complaint received 2022-04-30
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. (TX)

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none.
Consumer complaint received 2020-01-24
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. (CA)

My Credit card account was closed due to incorrect understanding on my dispute by TRANSUNION. I had raised a request to Transunion on removing some remarks from my credit card account file number : XXXX. 

The credit card account ending with XXXX was mine. 

I recently had some unknown transactions on my credit card and I had filed complaint with XXXX XXXX XXXX and removed the transactions from my card and got my money back by filing consumer financial production ( XXXX ) And I wanted credit unions to just remove comments on High balance and increase in balance and I have clearly mentioned the same in my dispute details. 

Instead of reading my dispute comment properly or doing what I had requested. They though the account was not mine and made XXXX XXXX XXXX closed my account and I lost all my credit points on the card. 

I had called Transunion last week and asked them to fix the issue. Instead they told me to call XXXX XXXX XXXX and fix. They told XXXX XXXX XXXX will take 6 months atleast to reopen my credit card account. 

Now due to this miscommunication from transunion i cant use my credit card or apply for new one as my credit score is down.
Consumer complaint received 2021-06-09
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: EQUIFAX, INC. (PA)

Hello, I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX XXXX, did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). I am a victim of identity theft and did not open said accounts on the word document provided below. I ask that all items provided on the document attached be deleted to correct my credit report so I can finally get approved for a car loan. Please note that I am submitting this request on behalf of myself. No third party is involved.
Consumer complaint received 2023-01-11
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)

Please see attached Credit report. 
I noticed some inaccuracies and would like them investigated Fair Credit Reporting Act gives me the right to have accurate reporting on all bureaus reporting. The attached will show Huge inaccuracies across the board. Rendering it almost impossible to find a place to live or a better job. 

Also if the XXXX XXXX bankruptcy is discharged .Please remove it from the remarks and my report entirely
Consumer complaint received 2024-04-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was never notified by bank of america of the data breach from XX/XX/XXXX. My debit card XXXX was hacked XX/XX/XXXX. Bank Close debit card representative hung up on me. Called back had to enter a Different debit card number XXXX to get through. Explained to the representative what had just happened. He proceeded with more information and to get me out my new card.However he also closed the card ending XXXX in error. I get my 2 new cards out in the mail.A few days later with the wrong name on them. I get the replacement cards a few days later corrected. On XX/XX/XXXX My bank of america credit card limit was drastically reduced, No warning no ladder putting me over my limit impacting my credit. I have never been late one single day on this credit card.I have been a customer of this bank since XXXX that is XXXX  years! .I retired from BOA.. I do believe the two incidences had something to do with each other. I feel like. 
Due to the data breach they went in and lowered my credit limit on my credit card to minimize their risk, Also, noting.I was a XXXX  citizen and I feel age discrimination also came in to play With this decision. Multiple conversations phone calls.Letters emails went back to them. I got some lame response from a customer service representative today. With a generic reason they lowered my credit limit on my credit card. I did advise of my concerns. Which fell on deaf ears. I was not advised of the data breach Until I heard it from someone else. I'm questioning the integrity of this decision. I think they have filled me as a consumer but not notifying me Of said breach. This is calls me undue stress XXXX  and a missed day of work after my card was declined at a store, Knowing I had just paid over a XXXX dollars on the credit card. Concerned about using the debit cards due to the data breach. But it seems they don't want to be held accountable for this action. This is not based on any credit history. I currently have I immediately pulled my credit report and there is nothing there to warrant this action as a XXXX  year. Customer with no issues. Use with this bank deposit. XXXX XXXX, XXXX XXXX XXXX, only they're dishonesty. Or miss information and neglect and notifying me that they breached my information XX/XX/XXXX.
Consumer complaint received 2021-06-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (TX)

Received Surplus amount of XXXX, XXXX on XX/XX/21. 
Called MT & T Bank after receiving the surplus check, would have been around mid XXXX. Questioned why I received such a large amount and wanted to make sure everything was paid. 
Was told during this conversation that everything was paid, account was good, and to enjoy the surplus. 
Received property tax delinquent notice on XX/XX/21. Called MT & T Bank again. On the phone 1hr 11 mins Confirmed they did not pay property taxes. MT & T Bank said it was because they looked online and our account is blocked so it was XXXX XXXX Was also told by MT & T bank that I was 100 % tax exempt. Obviously, this is not correct since I received deliquent property tax notice XXXX, Property Tax Supervisor, said I would not pay any late fees accrued and they would expedite this matter since XX/XX/XXXX there were more late fees. 
XXXX, Escrow Supervisor, said Escrow Analysis would be redone after taxes are paid. 
Called XXXX Asked to speak to supervisor because now I can not register my sons vehicle since we are delinquent on our property taxes. On phone 47 minutes Was told there was not a supervisor available and that they tried to call tax office but tax office would not give them information since the account is confidential. Told customer service this was not acceptable and that I wanted to speak to a supervisor. 
Transferred to XXXX, Property Tax Supervisor, she called Kaufman County Tax Office to get payment. XXXX at tax office provided amount for delinquent notice. 
XXXX said she would expedite payment to call back in 5 days for escrow analysis. 
Was told to either provide a bill from now on or unlock are tax account. 
Are account is locked due to husband being in law enforcement. 
XXXX also stated she could not guarantee I would not pay late fees. 
MT & T Bank has been dismissive of my concerns. Not helpful is resolving issues, blaming me and tax office for taxes not being paid. If not for me following up the taxes would still not be paid.. We have had this company for 5 years. Our account has been confidential since then and they have always paid our property taxes and property insurance. We have had this company for 5 years. Our account has been confidential since then and they have always paid our property taxes and property insurance.
Consumer complaint received 2020-01-24
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: CITIBANK, N.A. (CA)

A vehicle was rented at XXXX XXXX on XX/XX/2019. 
I used Citi Visa credit card. 
Instead of apx. {$24.00}, a charge of {$420.00} was made on my card claiming damage to vehicle. I disputed the charge with Citi cards but after cursory communication with XXXX/XXXX where they produced fabricated repair bill, closed my dispute and re-charged me for {$420.00}. 
Citi cards are not willing to argue with the fraud but rather charge me.
Consumer complaint received 2022-08-17
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CO)

Beginning with its statements in XX/XX/2020, American Express began including a " minimum payment '' amount to cardholders of pay-in-full cards. Cardholders who paid the minimum payment and not the full amount were tricked into changing their card terms from pay-in-full to pay-as-you-go, earning extra interest and late fees for the company. 

The company says a notice was sent to customers, but the notice is inadequate. It should state on both the website payment portal and in the statement that paying the minimum due will materially change the terms of your AmEx account, and the impact could mean thousands of dollars in additional interest and late fees.