davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: STATE EMPLOYEES CREDIT UNION (NC)

I am a member of the North Carolina State Employees Credit Union. On XX/XX/2020, I XXXX XXXX XXXX submitted through SECU 's online portal an application for a Visa Credit Card with a requested amount of {$4000.00}. The application gave me the option to list " other household income. '' I listed my boyfriends income as we live together. He pays the rent in the amount of $ XXXXmonth, and I pay utilities and a few other items such as the bulk of our groceries. My application was denied as of XX/XX/2020. I called my local branch in XXXX and requested a call back from a loan officer to discuss why my application was denied. During my phone call on XX/XX/2020 with the loan officer, he stated that SECU would not actually allow me to use my partners income as a factor in thier decision process as they had no proof that I had access to the funds. I explained that my partner pays the listed {$1500.00} rent monthly, and that I paid the utilities and bluk of the groceries for the household. I also explained that some of the utility bills had both of our names on it, as well as our rent was paid electronically through a portal via the realtors company and would prove that he pays the rent with his bank account each month. The loan officer cited that was still not proof that I had access to that money. That we would need a joint bank account. I advised him that I would not do a joint bank account unless I was married to the other person, and that it was not fair for that to be the requirement to prove that this persons income is a part of the " other household income '' as their application listed it. 
SECU loan officer continued to repeat that SECU would not allow loan officers to take that into account and that without that income my debt to income ratio was too high. I feel that this is deceptive on the part of the Credit Union and should be changed. On the application it allows me to list this income without any stipulations mentioned in terms of it being eligible income pertaining to my application. Anyone living together in our situation would be subject to the same misleading practices.
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (DE)

XX/XX/2024 I transferred {$100.00} into my cash app from my XXXX XXXX XXXX and cash app failed it meaning they did not put it onto my digital wallet. However, XXXX XXXX  did the {$100.00} out of my account I have the screenshots. Ive sent them to cash app chat literally XXXX times and to their management at least XXXX times the last thing that they told me was they have no further comment on this matter then I filed the dispute with XXXX XXXX  because XXXX XXXX  said that was the only way I could get my XXXX XXXX  back so I did that and as soon as I did that, Cash app deducted another {$100.00} from my balance to cover the dispute so now either cash app or XXXX XXXX  owe me {$200.00} and neither one of them will give it to me. They stole it on XX/XX/XXXX and I need it. I am disabled and low income and {$200.00} is a lot to me. Ive called both of them. Ive chatted with all of them. Theyre blaming it on each other and neither one of them will give me my money back, so I need someone to help me
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (WI)

This debt was paid in full XXXX XXXX 2022 directly to the health care provider. On around XX/XX/XXXX I received a letter from Americollect about this debt. I called and informed them it had been paid in full. I have not received any more letters or phone calls about this account, but now 2 months later they have added a debt to my credit report.
Consumer complaint received 2023-01-12
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. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.
Consumer complaint received 2022-10-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC (FL)

My sister obtained a loan with me as the co-signer to have her water pipes replaced. The job was not properly completed and caused extensive damage to her home. She settled with the company for a reduced payment amount and paid the settlement amount in 2019. The loan shows as paid on her credit report but then greensky put a collection for the remainder of the loan in my name and refuses to provide payment history, original loan paperwork or settlement documentation
Consumer complaint received 2020-10-24
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. (MI)

it has been over 45 days since i have sent equifax a copy of my ftc report. my information was stolen and was used to try to obtain goods, and credit in my name. though these attempts were unsuccessful, my credit report is now filled with tons of fraudulent inquires from the attempted fraud. i was instructed by my local police department to file an federal identity theft report, and submit it to the credit bureaus which i did, XX/XX/2020 certified mail by the us postal service. to this day i have yet to received anything from equifax regarding these fraudulent inquires. i will attach a copy of my identity theft report, along with my drivers license, and social security card, for identity verification
Consumer complaint received 2023-01-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

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. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because it is reported wrong. You should corroborate your information and remove the negative information on this account. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i submitted this problem to both companys before and got same response im tired of waiting for them to not do anything and waiting a week or longer they should just delete inquirys right away
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX {$410.00}, XXXX XX/XX/XXXX {$670.00}, XXXX XXXX XX/XX/XXXX {$290.00}. I just looked at my credit for the first time in years, I see all the above listed accounts that someone put in my name. These are not my accounts, I never used these accounts nor did I apply for them. I have spoken with the creditor about each individual account and filed an ftc report. They have refuse to remove these items from my credit. These are fraudulent accounts and they need to be removed from my credit file.
Consumer complaint received 2020-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made a purchase at The XXXX XXXX, the items were not what was described. I took my purchase back to the store, they accepted my return. They gave me a refund receipt, but as of today no refund has appeared on my card.
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (CA)

XX/XX/20 sent certified letter XXXX to Caine and Weiner requesting deletion for the account they are reporting with XXXX. I have never received any documentation to support that any such debt is owed. Additionally, this account reflects that it is over the 7 year statute reporting period and can no longer be legally reported. 
it is unknown if Caine & Weiner even had the legal authority of such alleged account. furthermore I currently have insurance with XXXX so no old debt would be outstanding.
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Best Service Co.,Inc (CA)

I opened an account with XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX, they are reporting it one my credit that it was opened XX/XX/XXXX. It is showing a balance of {$1300.00}. This is incorrect. When I opened the account the balance was {$1700.00}, I put a down payment of {$700.00} leaving my finance amount at {$1000.00}. I had automatic payments coming out of my account in the amount of {$130.00}, which paid the balance pretty much in full. Also, I never received any notification allowing me to dispute the validity of the debt, it just appeared on my credit report. I have disputed this information several times with the credit bureau, but XXXX XXXX refuses to correct their error, and they did not give me a c chance to dispute the validity of the debt.
Consumer complaint received 2020-10-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Each inquiry, XXXX XXXX XXXX XXXX ; Bankruptcy, ( which is also being reporting incorrectly - wrong case number ) were disputed on XX/XX/18 and I have yet to receive responses back from any credit bureau or notification. Per the FCRA these items are to be deleted immediately. The 30+ days has passed. I kept a very detailed log of when these letters were sent out to each credit bureau.
Consumer complaint received 2022-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

On Sunday, XX/XX/XXXX I got an email alerting me that my email address had been changed on my Experian account. I had not changed it. 

I am a victim of identity theft, so it was clear to me my ID thief, who I know has my social security number, had seized control of my Experian account. This is a big problem for obvious reasons. I tried to log in to my Experian account and they said the user didn't exist. 

I emailed the publicly listed customer service email for Experian, as well as the one listed in the email they sent about my email address being changed. I didn't hear from anyone for 2 days. The next morning when they were supposedly open, Monday, I called their customer service line listed on their website, but it was impossible to talk to a real person. This was obviously by design. 

When they finally emailed back, it was from the non-publicly listed email that was in the " your email address has changed '' email. I asked them to provide some verification that they were really from Experian, since they were asking for personal information and it was an email address I couldn't find publicly listed. Two more days later they responded by writing, and I quote " I'm happy to inform you that the previous agent and me are from Experian and we are from the Email Department of Experian. '' This is ridiculous. Adding the registered trademark symbol to the end of the company name and saying you're from there is not real verification. 

I want to talk to a real, verifiable person from Experian on the phone and get this resolved. The email situation seems exceptionally shady, and their security system was so lax that my ID thief was EASILY able to seize control of my account. They also leaked all my personal information in XXXX which is likely how I find myself in this situation in the first place. 

Every day my ID thief has control of my Experian account means they are able to apply for more accounts in my name and get credit pulled. 

Even better- I would like to prevent Experian from gathering any more information about me and expunge all my info in their records because they have been so wholly irresponsible with it. If lenders need my credit report, they can use the other credit bureaus. 

Thank you for your help in this matter.
Consumer complaint received 2024-03-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas) (AZ)

In XX/XX/2022, I had a debt to pay to XXXX XXXX and it was sent to Berlin Wheeler Collection agency. I was told by XXXX XXXX to pay them ( XXXX ) in full and to dispute the credit reporting by Berlin Wheeler and the collection would be deleted from my credit report. I paid the debt to XXXX XXXX in full in XX/XX/2022 and disputed the reporting ( from XX/XX/2022 ) by Berlin Wheeler twice but the report was not deleted. Calling Berlin Wheeler did not resolve the issue.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NY)

Hello, My name is XXXX XXXX and I am writing this email to file a complaint with LVNV. I have no dealings nor do I owe any money to this company! This contract which was under " XXXX XXXX '' was cancelled and removed offof my credit report. Once the name was changed whoever is responsible attempted to add this back on my credit report, but I currently have NO CONTRACT with them. Under my XXXX  report there is no account with them shown on my report at all, but XXXX continues to give me a hard time with helping me remove this item off of my report!

Regards, XXXX XXXX
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

I locked an interest rate with Citibank on XX/XX/20 to refinance my home. I was given a 60 day closing estimate. Six months later Citibank still has not closed my loan. I've probably spent a total of 24-48 hours of my time working on this refinance with Citibank. I have emailed over 60 documents. Most of these documents are just requested because previous documents expired. Multiple checks on my credit have been made. I opened my home to an appraiser in XXXX. This appraisal will soon expire. I have been told multiple times " We're almost there, just please send us the following documents ''. I have tried to escalate the issue. I have spoken to 2 different managers. I am paying {$1200.00} per month more in interest because Citibank can't close my loan. I have lost the opportunity to refinance with other lenders while Citibank strung me along. I am a XXXX Private Client.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CO)

Around XX/XX/XXXX I logged into my Experian account to check my credit score. Two weeks later I am noticing a XXXX dollar charge for the most expensive subscription plan they have. No sign up page no notice I had no clue I was even signed up! This is deceitful and scammy and ridiculous way to do business. I don't even use any other features nor have I requested them. This is the SECOND time they have done this to me. Now I have to call them or snail mail in order to submit a complaint because they keep sneaking their XXXX subscription service onto people 's accounts. I get ONE FREE SCORE a year from them I shouldn't be AUTOMATICALLY subscribed to their expensive plan with no notice or information about it? What kind of invasive tactic is this?
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In XXXX of XXXX I requested an income contingent repayment and was denied and told by the representative that I was ineligible. In XXXX of XXXX I was subsequently enrolled in an repayment plan and told that after six successful payments my late payments would be removed. After six successful payments and several calls and letters, the creditor refuses to update the payment status on my credit file.
Consumer complaint received 2019-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

Loancare has not answered after being contacted in three emails. They have incorrectly calculated my Escrow balance and paid my positive balance incorrectly to the MPI insurer. All payments to MPI are set forever and never change. I had some shortfalls this year due to a few hundred dollar increase with insurance and XXXX more in property taxes. I understand that these were being paid back though escrow but when they were all paid off, Loancare decided they wanted to keep taking money from my POSITIVE escorw so they could calculate a FALSE shortfall for the next year. They took 800+ dollars from my escrow and gave it to my MPI provider. They never change they rate which is XXXX. Loancare gave them XXXX in one payment and drove my escrow negative. Then, they did their escrow review and came up with a false shortfall and increased my monthly payment by over 300 dollars. Total Incompetence..On top of all of that, they absolutely refuse to fix or answer any calls or emails to rectify the situation. 

I am so fed up with them that I am closing on a refinance in 10 days and they know this becuase the new { great company } has asked for the payoff. Now they wont answer me at all becuase they do not want to refund any of my positive escrow. They are making a last ditches play for anything they can get their hands on. 

I am filing a formal complaint with the cfpb because you guys are all the public has to make these behemoths listen to the little guy like me. I have attached the error so please have someone review this incorrect Escrow statement and make them play by the rules. I have never missed a payment and always played by the rules but they dont care. This company has slammed me with PMI, funky escrow practices, and zero customer service for the last time. My new loan company gave me a better rate, no MPI, and a TRUE appraisal so the good guys are out there. Its not Loancare.