davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Under my Social Security Number on my credit report, Experian shows a Bankruptcy claiming the information was provided by XXXX Risk Data Management, and all their investigation resulted being accurate. After following up with XXXX on this item on my report, first XXXX notified me there has been no investigation submitted to them by Experian on this item, and secondly, XXXX investigation resulted in the removal of the item and clearing the Bankruptcy report from my file and notified Experian of the result. However, Experian refuses the removal of this item from my report or reinvestigation of this item on my report. 
I have submitted 2 letters to Experian, 1. From California Central Bankruptcy Court indicating they never report to Credit Reporting Bureau ( See attache ), XXXX. XXXX letter notifying me they have investigated this item and have removed the item from my Report. 
I have also attached a copy of the screenshot from my Experian report showing they received this information from XXXX, and they have also previously claimed they have purchased this information under Bulk information purchase and does not fall within FCRA rules and regulation of personal data must be reported by original source of the information. 
Clearly, Experian has violated my FCRA rights and neglected to properly investigate the information, as well and ignoring evidence and notification from the external source of their date.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendKey Technologies, Inc. (NC)

My student ( Loan ID XXXX ) serviced by LendKey Technologies and held by XXXX XXXX XXXX XXXX continues to show on my XXXX credit report as open with an account balance of {$9400.00}. The account was paid in full on XX/XX/2019.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (IL)

I have been charged unjustified/random fees at least three times in the last month by Citibank. They have charged me for a returned check, but I have not written any checks in the last 6 months. They have charged me with overdrawn fees multiple times when my account balance was in fact not negative. When trying to resolve these fees with them they only refunded a part of the unjust fees.
Consumer complaint received 2021-11-09
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. (WI)

The three credit companies trans union, XXXX and XXXX, all have XXXX  insurance on their site stating I owe the company XXXX  {$180.00} dollars. I recently have been trying to paid off my credit so im working with a credit repair company XXXX XXXX XXXX! XXXX  told me that XXXX  have been reporting negatively to my credit since last year. I thought that was odd because I paid XXXX  the money in full last year and open up a new policy with them. Since then I havent missed a payment for a year and Ive been on time. XXXX is still reporting me negative to all three credit agencies to this day!!! The credit report company has also asked XXXX  to remove these items and they refused. So I called XXXX  and explained I wanted this removed from my credit they said it was out of there hands to call the collection agency so I called them and they said they couldnt removed it to call XXXX  back! So I put in complaint with the credit agencies thats allowing this hurtful information to stay on my credit and no one is doing anything! Also there is a second bill with a company XXXX. The original balance I owed was over {$5000.00} dollars I paid it down to {$1300.00} but some reports say I didnt pay anything on the bill at all, while others say the original amount was only {$1800.00} but all are incorrect with no payment history or very little payment history. XXXX disputing this information because its incorrect. This has been damaging my credit scores and rating for years I want something done about it!
Consumer complaint received 2020-11-25
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. (FL)

INCOMPLETE / MISSING INFO LETTER To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number, missing field of usage, monthly payment and past due amount. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

CC : Consumer Financial Protection
Consumer complaint received 2018-02-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

The Credit bureaus are reporting inaccurate information on my report of a bankruptcy that should not be reporting. I have tried disputing this information for almost one year and they don't seem to care or want to take it off. I contacted the Bankruptcy court and they have not reported anything to the bureaus and said third party companies maybe reporting inaccurate information.
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

my name is XXXX XXXX i am applying to a mortgage refinance for 4 properties with quicken loan and on one of the properties they are asking for full replacement cost for insurance which is unusual in that they are financing a loan for more amount on one of the properties. I have asked for clarification why this unusual request and no one will explain why. there is no other reason other than this property has money that is being taken out and still is under the 80 % amount that they are requesting. 

despite mul ; tiple attempts to speak to XXXX XXXX my primary contact at quicken and XXXX XXXX the person in charge for closing no one will explain this request and is holding up closing. I have been waiting for over 9 weeks. 

also i have requested to speak to management and i have not recieved any answer or any explanation as well. 


i dont know who else can help and something is not right bbut no one will explain this thanks
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (CA)

I made a credit card payment to Barclays Bank for my XXXX Credit Card with 2 checks in the same envelope, one from my business account {$4100.00} and another check from my personal account for {$1000.00}. Both checks cleared my Bank on XX/XX/2020. Barclays only credited the {$1000.00} to my account balance. I did not find the mistake until I received my next bank Statement XX/XX/2020. After much frustration and several calls, I demanded a number in the United States and only then was I directed to their Resolution Department in the United States, XXXX. I faxed in a copy of both checks, front and back showing the date the checks were processed and a bank statement showing both checks cleared my account, The Resolution Department has confirmed my check was cashed by Barclays but they can not locate my funds. I was told it will take 25 business days for them to investigate. I was told they can not send me my money back or credit the {$4100.00} to my account, even though they acknowledge they have proof they received and cashed my check. I was told they can not send me anything in writing guaranteeing my money will be credited to my account. I told XXXX employee ID XXXX, I consider my money stolen. I consider this fraud. Barclays Bank is trying to make their problem of misallocating my money, my problem. Barclays Case # XXXX
Consumer complaint received 2020-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XX/XX/XXXX i received a call at XXXX from Capital One regarding a past due account that was currently 152 days past due. The representative said i need to make a payment in the next 3 days before the account would be closed and charged off. 
Given this information {$400.00} payment was made. I reached out to capital one on XX/XX/XXXX regarding the account still being " restricted ''. I was able to speak to XXXX - Senior account Manager. ( Employee ID : XXXX ) who advised me the account has been closed since XX/XX/XXXX. Capitol One Representative lied about the account to get a payment.
Consumer complaint received 2020-01-23
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: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : -- -- XXXX and XXXX 2019 for 30 and 60 days late??? -- - 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 2018-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (MN)

On XX/XX/2018 I purchased a single item on XXXX. It was a one of a kind item, impossible to order a quantity of two. I was double charged. The item price was - {$200.00} and I was charged that amount twice. I checked out as a guest so I was told that buyer protection was not offered to me. I was also told by XXXX that only one of the transactions had gone through. I contacted my bank ( XXXX ) to dispute the transaction. The dispute was denied.
Consumer complaint received 2018-02-08
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: Experian Information Solutions Inc. (NY)

XXXX Bank filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted XXXX Bank and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/2018 at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX Bank. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/2018 this had gone on far too long and my credit was ruined and my house is in foreclosure.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MT)

XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XX/XX/XXXX Dispute of Credit Reporting Inaccuracies - Immediate Removal Request I am writing to dispute inaccuracies in my credit report. Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I hereby demand the immediate deletion of the following inaccurate entries on my credit report. 


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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Worst Delinquency/Older Derogatory Events inaccurate Payment History inaccurate Close Date inaccurate I remind you of your responsibilities under 15 U.S. Code 1681s2, which places obligations on furnishers of information to consumer reporting agencies. I expect you to communicate these disputes promptly to the relevant data furnishers for their investigation and correction.

Attached are supporting documents including images of each account as well as a full credit report dated XX/XX/XXXX for your verification. I demand an expedited investigation and expect resolution within 30 days. 

Remove disputed items during the investigation, as mandated by 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Failure to comply with these requests may result in civil liability under 15 U.S. Code 1681n for willful noncompliance and 15 U.S. Code 1681o for negligent noncompliance. 

Thank you in advance for your attention to this matter. 

XXXX XXXX
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (IL)

On XX/XX/2020 I applied for refinancing with Caliber Home Loans. The Loan was conditionally approved on XX/XX/XXXX. After submitting all the necessary documents they requested to underwriting we were approved and signed the refinancing agreement on XX/XX/XXXX. The new rate would lock us in at a saving of about {$400.00} a month. It is now XX/XX/XXXX and the loan has still not been closed. They have continued to give me excuse after excuse because of a subordinating home equity line. It was told to me that all the escrow need for my taxes would be included in the loan and we would be getting our current escrow amount back, but then as of recently they said i owe XXXX. I'm assuming someone didn't do their paperwork correctly and due to the lengthy closing process my taxes were paid out and left me with a deficit. The resolution i'm looking for is this get closed in the next 6 days. If it's not closed by XX/XX/XXXX, I'm requesting no payment for the month of XXXX or XXXX. The first payment will be XXXX XXXX. I want an explanation to why i was told i would have XXXX coming back to me from escrow and now i'm XXXX in the red. I want some sort of compensation for the {$800.00} i lost over the last two months for the difference in my mortgage that should have been closed. If this is not resolved by XX/XX/XXXX. I will have no choice, but to turn this over to my Attorney as i'm tired of dealing with it. The people i have dealt with from Caliber are XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2018-02-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I have a mortgage with XXXX XXXX XXXX. I have been making my payments every month. Then when Hurricane Harvey Hit my city, Caliber told me that they deferred three months of my mortgage payments and put them on the back end because we were effected by the storm. When the time came that they told me to start making my payments they would not take my payment. They told me to wait to hear from them. I kept calling only to find out that they are not keeping their agreement and won't take my payment. It is as if they are trying to set me up and steal my home. Please help me with this critical matter. I have my payment that they told me to make and now they are telling me I need those three months of back payments as well. This is so very wrong
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/2021 a final payment for {$8600.00} was sent to the Santander Consumer USA, to date the account has not been reported as paid in full. I have repeatedly asked for the title to date no title. I have made several disputes on my credit report and the account to date remains open. This account was paid in full on XX/XX/2021 it is now XX/XX/2021 and there is no update on my account.
Consumer complaint received 2018-02-07
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 (SC)

I had 2 transactions that I made during the XXXX Holidays and I didn't receive the items. I made a dispute with XXXX XXXX and they never contacted me personally to inform me of a decision being made before denying both disputes and charging me for items they originally credited, pending dispute! I refuse to pay for items that I didn't get! They have charged the money back to me stating that the merchants say the merchandise was delivered to my front porch ( no signature ) and that was enough information to deny the claim. They stated that I need additional information stating that I want them to continue the dispute process through XXXX-but NOT once did they send a letter explaining this process and inform me of this. I didn't find out that my card had actually been re-charged for these purchases until I attempted to use my card and my card was declined. The representative that I spoke with this evening stated that they tried to call me ( there were NO messages left from this company ) which I find hard to believe. I never received this merchandise and refuse to be charged for items I never received! I never received a letter a phone call or message stating that they needed additional documentation to continue to pursue this case! If I had not called in after a purchase is declined, I would have never known- this is ridiculous! I want my money back immediately.
Consumer complaint received 2021-01-29
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. (GA)

THE ACCOUNT/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT WITH FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I originally called at the beginning of XXXX to do a settlement plan of {$720.00}, scheduled the XXXX, XXXX, and the XXXX. The first initial call the person on the phone said the first payment went through, but the other two weren't pending yet. She said to call back in a few days to verify everything was ok. I called back and they said it should still go through in a couple of days. Eventually it hit the XXXX of XXXX and neither the second or third payments went through. I called XX/XX/XXXX to inquire, but they said the card was in the process of being charged off so they couldn't touch it. I called again XX/XX/XXXX and the agent said both the second and third payments were cancelled. She said since it wasn't on Capital One 's end they couldn't do anything about it, so the card has to be charged off. I never cancelled the payments but I feel like it was negligence on the first agent/ they were the ones who failed to schedule them correctly.
Consumer complaint received 2022-01-10
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. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2018-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I obtained my credit report from TransUnion, file # XXXX and noticed a hard inquiry was recorded on my report from XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX, submitted on XX/XX/XXXX. I have never applied for credit or a loan through this company. On XX/XX/XXXX, I contacted TransUnion to inform them of the incorrect information on my credit report and that I did not apply for credit through this company. The male employee informed me that he could not do anything to assist me, would not remove the hard inquiry, and that it was my responsibility to contact XXXX and obtain a letter from them verifying I did not apply for credit. Also, he informed me that this would stay on my credit report until they receive a letter from the company. He would not provide me any information regarding the individual who requested the credit. I asked to speak to a supervisor and he refused to let me talk to one. I requested to have a fraudulent inquiry put on my file to ensure this does not occur again.