davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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)

I'm a natural person. Equifax continues to violate and disrespect my rights to privacy and several other rights as listed below. If they do not remove the accounts, I'll continue to escalate this higher and higher if the accounts do not get removed from my credit report. 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Accounts : 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 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (NC)

My XXXX was compromised in XXXX I have spoke with my bank, and I waited for 13 days for an answer for my dispute to learn that I was denied I got my Taxes back on XX/XX/XXXX. My money was drained out of my account XX/XX/XXXX and XX/XX/XXXX also on XX/XX/XXXX XXXX XXXX went and I was playing a game, and I decided to play with him for second time with more money this this time, but it was something suspicious, that I could not understand. He kept offering me more money or more bouns. After never seen my money for the game, he block me I reported back to XXXX and have XXXX change the password when I see you next day my account had been drained now Credit karma will not give me my money back
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (ID)

I was denied fair access to credit. I applied to refinance my mortgage. I was attempting to finance my home at a lower interest rate. Green Tree declined my application. The reason for the declination a was 1 ) unable to verify employment and 2 ) insufficient data to determine manual harp eligibility. It is interesting to note that I provided current paystubs and XXXX forms from my employer of 20 years. Access tax returns were also provided. It is curious to note that when I applied to refinance my home with XXXX XXXX XXXX, my employment was verified and I was found eligible to participate in the HARP program. I believe that Green Tree has systematically denied mortgage refinance applications to prevent borrowers from refinancing to lower rates. Please see attached documentation showing the information that I provided to Green Tree and the rejection that I received from them following the application.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The account is not being reported correctly on my credit report. The account type, account status, date opened, high credit, credit limit, payment status, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. A charged off account can not be reported as late. How is this possible if the bureaus are getting their information from the same source, the XXXX XXXX XXXX? I have written letters to the XXXX XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus.
Consumer complaint received 2016-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (VA)

I continuously tried to explain to the representative that this was NOT my debt!! I also explained to them that I am in the process of getting a home loan and it is creating a problem for me to get my loan.. Due to the fact that it was stopping me from qualifying for my home loan I just decided to pay them.. But still acknowledging it was NOT my debt! But I needed to get this house for my family I just paid them to get this off of my report.
Consumer complaint received 2015-11-21
Product: Credit card — 
Issue: Balance transfer fee — 
Company: JPMORGAN CHASE & CO. (GA)

Chase Amazon ( Chase ) is confusing its customers with balance transfer offers & purchases made on the same Chase card account. Supposedly, a balance transfer offer of % interest for a specified period of time, usually 12 months, ( with a 2 % upfront ) fee, suddenly is changed to an 18.24 % interest when both the purchases & Balance Transfer are lumped together, making void the interest free period. I am being charged for XXXX separate transactions as if they 're XXXX transaction. This is deceptive. No matter they tell you when you do the balance transfer that any purchases made, in addition to the transfer, you will be charged interest each month until t he entire amount is paid off completely. This is confusing to anyone who is not an accountant & just another way the bank is charging its customers unfairly.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. 
Can you reinvestigate the accounts listed below. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Date XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX Date XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXX Account XXXX Date XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX Account XXXX Date XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report.
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (NJ)

I received a letter that I owe money to a utility company and Aargon Agency has now reported this to the credit bureau. I called and emailed them and as of yet no response at all. I lost a credit card because of this. I do not owe any money to XXXX utilities.
Consumer complaint received 2016-03-03
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I got a Capital One credit card simply in an effort to build me credit, and rarely ever used the card, and after a year came up, there was an annual fee charged to the card. I received the statement and it said that I did not need to pay because I had it set up on automatic payments through my personal XXXX account. There was an issue with the online banking and for some reason the payment was n't going through, which resulted in Capital One putting a 30 day late on my credit report. I sent this information to Capital One and they still would not remove the 30 day late that they applied to my credit report. Please help me hold Capital One accountable to remove the 30 day late that should not be there because this is preventing me from refinancing my home.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

This is a complaint regarding Experian. When I log into my Experian account, the web page shows that my credit report is unlocked. But when a mortgage refinance company attempts to check my Experian credit file, they get a message indicating that my credit file is locked. I have tried multiple phone numbers trying to reach a human to get a resolution without success. When calling the phone numbers available, I am directed to submit an affidavit to correct the problem- what problem? My credit file is shown as unlocked but evidently it is not. What do I submit? This is costing me $ XXXX/month because I can not refinance a VA loan as a Veteran. This is simply unacceptable. 

This is the second time I have run into this problem with Experian. Why not provide a number so I can reach a human and find out what is wrong????
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

After XXXX tries to get EXPERIAN to correct information erroneously filed by XXXX XXXX XXXX re a late payment in XXXX 2014 for my home loan they have told me I have to wait another 30-45 days before there is a final final decision. My home closed, sale was funded and XXXX paid in full XXXX XXXX, 2014. I did NOT own the home in XXXX, CA in XXXX 2014 so could never have a late payment. I sent them a copy of the Full Reconveyance on the deed that was notarized XXXX XXXX, 2014 and recorded. This error by B of A has been on my credit report erroneously for 1 year. I want it finalized. The other XXXX credit reporting agencies took care of it immediately. EXPERIAN said the deed was not sufficient. I am tired of this and think their lack of remedying this problem is beyond terrible. I want it taken care of. I have been fighting them for over three months since I found out about the error. 
If you want a copy of the deed I can send it to you. PLEASE help me correct this ASAP. Thank you.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX after banking hours, we learned that our company Wells Fargo accounts had been compromised and fraudulent charges had hit the account. We attempted to resolve this through online banking support with no success and myself and the other account owner ( my wife, XXXX XXXX XXXX went into the branch to have them resolve for us. 

While sitting with our banker in the branch, she could see numerous charges coming through from in-person bank withdrawals to e-transfers to other ATM withdrawals and XXXX large wire transfer occurring all over the country. At the time these were occurring, we were sitting face-to-face with the banker in XXXX, NC. The banker immediately filed fraud claims for us on all deposits but we were advised that we " needed to let the charges settle to the account before she could complete the claim process ''. The largest of these charges was a {$23000.00} wire transfer which Wells Fargo attempted to put a stop on. The stop did not work, and they filed a fraud claim. We were later informed that the amount listed on the fraud claim was {$0.00} and therefore the claims department had nothing to take action on. The claim was later revised and resubmitted by the branch, but we were told that they could not do anything further on this. 

We did receive credits for some of the fraudulent activity. Now, XXXX of those credits has been reversed without notice or without informing us of any findings on the side of Wells Fargo. We never received any credit for the {$23000.00} wire transfer. 

At the onset of these issues, we reached out to the FBI who initially followed up and were able to interview some of the branches where this fraudulent activity took place. 

On XX/XX/XXXX, having received no further updates from our local Wells Fargo branch, we escalated this matter to the XXXX XXXX  President ( Small Business & Retail ) - XXXX XXXX. While he has provided a return phone call to every email sent, we have only been told that " they are looking into how to fix this ''. 

Further, on XX/XX/24 XXXX of the previously credited fraudulent transfers ( Amount of {$4800.00} ) was reversed out of XXXX of the accounts. No information was provided as to the reason, and since it has been well established that all of the withdrawals in question took place around the country while the account owners were sitting in the branch office and it is impossible to have been a result of our own actions, we find no reason these charges should have been reversed. 

We were initially told that the institution had XXXX to issue provisional credits for any fraudulent activity. At 62 days past, we still have not received any credit for the wire transfer of {$23000.00}. We were additionally told that once a provisional credit is issued, the bank has 45 days to investigate further and make a final ruling. The provisional credit that was pulled was past the 45 day window.
Consumer complaint received 2021-06-05
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. (NJ)

XXXX, Transunion and XXXX allowed a company by the name of XXXX to report false information on my account. The company XXXX also did not follow FCRA guidelines. 

The creditor failed to notify me when it supplied negative credit information to a CRA The creditor failed to notify me of my right to dispute inaccurate credit information The creditor failed to submit corrected information to the CRA subsequent to investigating your dispute None of the CRA conducted a conduct a reasonable investigation of my dispute. I would like documentation of verification that you received from XXXX that the account is accurate and that I was appropriately notified prior to the company reporting this on my credit report.
Consumer complaint received 2021-06-05
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. (TN)

I have several unauthorized inquiries across all my credit reports dating back to 2019. I haven't applied for or authorized anyone or any company to apply for anything for me. I have contacted the credit bureaus via phone, email, and regular mail without any resolution.
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This was previously corrected inaccurate late payment and derogatory comments such as 120 late for both old closed mortgage accounts XXXX XXXX XXXX and XXXX and it was put back on.
Consumer complaint received 2016-06-02
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OK)

had a XXXX credit card. XXXX bought when XXXX went under. Paid payments and then XXXX cancelled card but said still owed the money, which is OK. After several months of not paying by me. XXXX closed account. XXXX sold account to " bulk buyer '' and then " bulk buyer '' sold account to Midland Financial Services LLC. Midland bought my debt BUT they reported to Credit reporting agency the date they bought and not original default, giving them 2 more years. Confronted them and they blew it off. They re-aged my debt, adding 2 years to report to Credit reporting agencies. Also contacted the XXXX credit reporting agencies with XXXX document and they also blew it off.
Consumer complaint received 2017-04-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Signed contract in XX/XX/XXXX with XXXX attorneys for XXXX for reduced debt owed which have been paid in full according to contract agreed upon ( see attached ). Wrote to the attorneys in XX/XX/XXXX stating not only had I paid off the agreed to amount but had actually had overpaid by {$1100.00}. Asked for refund of over payment and told them that I would no longer be making payments since I was n't contractually obligated to. Now, suddenly XXXX is calling my job, home ( and who knows where else ) leaving no messages. They are now calling my daughter 's cell phone repeatedly ( everyday for the last two weeks from different phone numbers ). I am at my wits end with these people and its becoming a major disruption that I have to again deal with something that was should have been resolved. Thank you for your help.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MD)

I bought a new phone my old phone was still connected to my chime account and my XXXX XXXX I have no idea were the phone is at this point it was lost but somebody Made an unauthorized payment of XXXX XXXX  either to anther person or a company this XXXX XXXX  was taken from my chime account I opened a dispute they denied My problem is with chime!
Consumer complaint received 2022-02-15
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX  That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (FL)

We worked with a debt settlement company to resolve credit card debt with XXXX or XXXX credit card companies. We tried to work with the card companies directly but they refused. There was never any late payments before we turned the accounts over to the settlement company beginning in XXXX. We completed the payments by XXXX. The card companies sent XXXX forms for our income taxes and we paid over {$5000.00} dollars in federal taxes to settle these accounts. The balances however remain on our credit reports. We would like these balances removed as they are no longer part of our debt.
Consumer complaint received 2016-07-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (TX)

The problem is that there is an account that shows on my credit bureau for an account that was paid off by the hospital by charity care that I received at the emergency room. I have no idea how this account even went to collections status as it was paid off in full. I even sent a copy of the letter that I got from XXXX XXXX to show the creditor that the bill was paid in full by the hospital. This issue should have never went to this level as the account is showing negatively on my credit bureau despite sending the proof that I got from the hospital to certify that this issue should have been resolved before collections.
Consumer complaint received 2015-06-19
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (NY)

Every month charged interest when the purchase balance from the previous month is LESS then the payments made. Paid more each month than previous charges. The average daily purchase balance is Wrong. Its seem Chase Freedom is lumping the Promotional Balance Transfer offer, 0 % interest until 2016 into the Average Daily purchase Balance. Which is therefore charging interest. 
Interest should only be charged on the new purchase balances only, not the promotion balance transfer offer amount. The balance transfer offer is separate than purchase balance. What is a promotional XXXX percent interest on balance transfer if your now charging thebalance into the average daily purchase balance with recurring purchases? 

Was I supposed to not use the card while I paid off the balance transfer? That was never told to me. NO other credit card does this. NOT Fair, very misleading. Even the statement shows the sections separate, as Purchases, Balance Transfer, and Cash Advances. How can you then lump it into the Purchase average balance?
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (PA)

there is a electric bill in my name from XXXX energy that I disputed years ago. they said I owed XXXX and I never believed that I owed that much. years later I receive a letter in the mail XX/XX/2017 stating that I now owe on the same bill XXXX which is ridiculous. I do not agree with paying this large amount. especially when the beginning was only XXXX which I felt I did n't owe that much.