davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NC)

I contacted Quicken Loans to inquire about refinancing as I heard interest rates were very low during Covid19. Initially I was told they refinance the loan at 2 % less than my current interest rate. The required pulling my Credit and stated I would get a copy of the credit report, which DID NOT HAPPEN ... ... After submitting my financials, ( XXXX XXXX ) Quicken representative called me back and stated due to some sort of crazy NC Law, they could only lower by .75 %. I questioned if that would actually be saving anything and she stated including closing costs, it would save {$2300.00} long term and THEY WOULD REMOVE THE PMI MORTGAGE INSURANCE WITH OUT NEEDING ANY APPRAISAL. Mrs. XXXX stated by their comps in the area, the homes value would easily be above 20 % equity vs {$72000.00} currently owed on existing mortgage. After reviewing my 2019 tax return and business profit & loss statement, she felt the refinance should go through underwriting with no problem. I recieved a call from another member of the underwriting team 7-10 days later stating that they need another profit loss statement and additional tax forms from the 2019 filing. When I inquired why additional paperwork was needed, He stated it was almost impossible for SELF EMPLOYED Individuals to get approved for new loans or refinance due to the Covid19 Financial Crisis. At this point I felt the cards were obviously stacked against me, I asked the underwriter to stop the refinance and just take the PMI Mortgage Insurance off my current loan which I feel saves much more than {$2300.00} LONG TERM ... ... He directed me to go online to apply for PMI removal. When I logged into my account, I was pleased to see their website showed my outstanding loan {$72000.00} was well with in their guidelines to have the PMI removed. *** NOW I AM BEING TOLD I AN APPRAISAL IS REQUIRED BEFORE THEY WILL REMOVE PMI AND I MUST USE THEIR APPRAISER FOR A COST OF {$150.00}. * I feel it is fraudulent and misleading for Quicken to allow removal of the PMI if I take on the additional costs of letting them refinance the loan ( $ XXXX ) but they are unwilling to remove the PMI from original loan unless I Pay for an appraisal. It makes no sense that Quicken would be willing to remove the PMI no questions asked during a REFINANCE SITUATION because they state they already agree the homes value exceeds the PMI requirements, but when it comes to removing the PMI from the current loan I have with their company, they are stalling by requiring appraisal by their team member. I have always paid ahead on my mortgage, never missed a payment and have a XXXX  credit score. Until this transaction, I felt I was dealing with an upstanding company, having them try to take advantage of me because they could not make additional fees refinancing has made me reevaluate companies credibility.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (MD)

I have spoken with several representatives about my accounts being paid off. After submitting proof that the accounts were unpaid and disputing the accuracy of them. They were deleted, now theyve been reentered. I paid off 2 XXXX account after being told one of them was a XXXX XXXX  XXXX. Now I was being told they both were XXXX accounts. Both accounts have been placed back on Early Warning. XXXX was asked numerous times to place a stop payment and didnt. Attached are the two paid off accounts. I asked them to be removed twice already and theyre showing as Unpaid
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MI)

I submitted lease payments via my banks electronic bill payment system on XX/XX/20 and XX/XX/20, which were both paid timely. These were the first two payments made on a new lease, and due to an accounting error by the bank ( they were going through a merger at the time ) the payments were made to my previous lease account.

I did not become aware of this until I received a statement from Ally Financial indicating that I was in arrears on my lease payments. 
I contacted both Ally and my bank ( XXXX XXXX to determine what had happened because I had confirmation of the payments being made by the bank to Ally. 
After several calls to a call center, apparently the error was found and the funds were reconciled to the proper/current lease account. The reconciliation took place on XX/XX/20 according to Ally 's records. 
my problem/grievance is that even though the problem has been addressed and rectified, Ally has not corrected the information it forwarded to the 3 credit reporting bureaus, and now they all report my credit rating as lower by a significant score. 
I want the record corrected, and my score prior to this error, reinstated.
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX I realized that I was a victim of identity theft and fraud. I started writing dispute letters, calling the creditors and also the credit bureaus. Majority of the items were removed. Experian has XXXX XXXX on my credit after being removed by XXXX and XXXX. I have submitted affidavits and police report, and also a FTC report, I called and spoke with someone and he said he wont remove it and when I stated I was going to file a complaint he stated he didnt care. 
XXXX is still hold XXXX XXXX XXXX XXXX and that too is fraud. Other than these items I have great credit thats how they know they arent mine.
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (DE)

I received notice on my credit report on XX/XX/19. That my credit score was lowered by hundred points from XXXX XXXX and XXXX. XXXX  report showed a 35 point drop. This was because I was more 30 days past due on my Best Buy Citibank Visa card for a {$8.00} dollar balance. I called Citibank and told them I was unaware of the balance. And was not receiving bills and no one from the company reached out to me to let me know of the balance. I ask Citibank to send the credit bureau that this was a mistake. But the company refused taken no responsibility for the mess up. I paid off the {$8.00} dollar balance and closed the account.
Consumer complaint received 2018-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlantic Credit & Finance, Inc. (NY)

I recieved a letter stating that i owe this debt i called .the people at the agency kept transferring to different departments when i did get a whole of someone im telling them i paid this .they were rude saying i need to pay i told them i have proof. The lady said with a attitude well its not my debt. After i tried and tried to reach out no answer. Im very upset because i settle this through a settlement with XXXX XXXX
Consumer complaint received 2020-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

Starting XX/XX/XXXX I had a total of {$15000.00} pulled form account using Coinbase. The charges were never authenticated, and were sent multiple times in a day. The account used was a savings I do not pay much attention to and when I noticed the error I immediately disconnected the account and contacted Coinbase. They responded claiming that the transactions were from an IP address they have seen before using the Coinbase app, but I do not use a Coinbase app. I have sent numerous emails, I have filed a complaint and nothing has been done to return these funds to me. I need this money refunded as soon as possible.
Consumer complaint received 2020-08-21
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. (LA)

I have disputed this account on many occasions this account is in Litigation with 32 states on agreement of the lawsuit this account should be deleted from all bureaus its deleted from XXXX. But Experian and XXXX wont delete it ... I have documents from my Attorney General and screenshot pictures of this account removed from XXXX  ... Im filling a complaint on both Bureaus Experian and XXXX  the account is XXXX XXXX this company is known for subprime loans they give large interest rates loans to customers that cant make payments with low credit scores. Inaccurate reporting to bureaus.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — Store credit 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: Army and Air Force Exchange Service (TX)

XX/XX/2021 - purchased XXXX XXXX XXXX in XXXX XXXXXXXX XXXX ITEM # : XXXX and additional insurance for {$1700.00}, as a XXXX gift for my wife. Due to delivery issues we were informed the item would not be delivered until XXXX, which caused me to call in and cancel the order. We were advised to refuse delivery and return to sender. We are still yet to get a credit back to our credit card even after receiving and forwarding the confirmation email of acknowledgment of the return being received after sending numerous dispute letters back to the company. We are being told every time we call that a refund was generated on the last date we called and to check back in 5 business days. SAME STORY EVERY TIME!!!!! We have been making minimal payments for 8 months now for a bike that we have never even seen!!!
Consumer complaint received 2018-06-26
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: DISCOVER BANK (NM)

on XX/XX/18 I booked a hotel room with XXXX for 2 nights, I called to cancel the reservation and was given the run around by XXXX. I was told by a representative at XXXX that I had to call the hotel. I was unable to reach the hotel. I called XXXX back and was promised by the person on the phone that it would be canceled. When the charge was not refunded I disputed the charge with my credit card company and it was investigated. I received notice that the dispute was closed in my favor and the temporary credit would now be permanent. a few months later on I got a letter saying my discover card was being recharged the amount of {$220.00} because the merchant, XXXX sent them documentation based on the fact that I did not call to cancel. I have attached this documentation and it is illegible. I disputed again and yesterday I was notified that the charge was found valid. If I had not called and done a no show the XXXX terms state I would be charged 1 night and tax. i am being charged the full 2 nights which goes against the terms.
Consumer complaint received 2022-09-13
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-07-19
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. (IN)

We are filing a complaint against Experian Credit Reporting Agency. In XXXX, we filed a dispute with Experian, XXXX, and XXXX  for the account of XXXX XXXX. This company participated in fraudulent and deceptive trade practices, and breach of contract in XXXX. We are currently filing a complaint with the Federal Trade Commission against this company XXXX XXXX. After mailing in the disputes, XXXX   and XXXX removed the fraudulent account from our credit report, but Experian did not. Since then we have disputed this with Experian at least three times. This reported delinquent XXXX XXXX account on Experian is over seven years old and fraudulent. We are asking that Experian correct this error by completely removing this account from our credit reports immediately and correcting our scores. 
I have also attached our XXXX credit reports showing the XXXX XXXX account still reporting on Experian but removed from XXXX   and XXXX. I have also attached the letter sent to XXXX XXXX XX/XX/XXXX, the timeshare cancelation letter from XXXX, and the contract instructions for cancelation. 
Thank you for your assistance in this matter
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On my credit report its showes wrong public record which is bankruptcy filed it not belong to me i also have a FTC report filed about identhithy theft and have a fraud alert on my report Try to contact all tree credit bueros but they did not fix it they told that is acurate and updated but when im trying to get answer where they got this information thay are telling me that they get the public record information from 3rd party which is by law i call the bankruptcy court to check any information related to my social security but they told me that they are not sharing any personal information to anyone most they are not gaving information to all credit beuaros so im trying to get answer where are they got this info and place it on my credit report it is not my public record it must be removed please help me to resolve this Thank you
Consumer complaint received 2018-06-26
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)

On my credit report its showes wrong public record which is bankruptcy filed it not belong to me i also have a FTC report filed about identhithy theft and have a fraud alert on my report Try to contact all tree credit bueros but they did not fix it they told that is acurate and updated but when im trying to get answer where they got this information thay are telling me that they get the public record information from 3rd party which is by law i call the bankruptcy court to check any information related to my social security but they told me that they are not sharing any personal information to anyone most they are not gaving information to all credit beuaros so im trying to get answer where are they got this info and place it on my credit report it is not my public record it must be removed please help me to resolve this Thank you
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have been contacted by Portfolio Recovery Associates several times in regards to a debt listed in the amount of {$720.00}. I have repeatedly notified them that this is not my account. I have never had or opened an account with this company. This company does not have an agreement with me or a contract with my signature. I've disputed this item several times on my credit reports. They are reporting inaccurate, incorrect and damaging information in clear violation of consumer laws, the Fair Debt Collection Act ( FDCA ) and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness.
Consumer complaint received 2019-05-31
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 (CA)

I got a new Credit Card with Wells Fargo with a {$5000.00} credit limit. I called to request a credit limit increase to {$10000.00}, but I've got approved for {$7000.00} which I accepted. The representative told me I would see an update in the next 10 minutes. But after 40 minutes the update never happened. So I called back and the second representative told me the reason was that my request was forwarded to a second underwriter to review it in order to get the {$10000.00} I originally requested.He said I would have to wait less than 24 hours. Next day I checked online and my credit limit was updated to {$7000.00} but I've also got three alerts from XXXX  with 100 % inaccurate information : Alert 1 - That Wells Fargo reported I was using over the credit limit and that's not true because my balance was less than 50 % of {$7000.00} Alert 2- That Wells Fargo reported my credit limit was decreased to {$1000.00} which is not true because it was {$7000.00} all the time Alert 3- That Wells Fargo reported my credit usage was over 100 % the credit limit and that is not true because my balance was under 50 % of the {$7000.00} credit limit All these actions from Wells Fargo have caused a big impact on my credit score dropping down almost 63 points from the day before these actions took place.
Consumer complaint received 2022-09-13
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. (KS)

XX/XX/XXXX - purchase from XXXX for {$430.00} order number XXXX, placed on my Citi card ending in XXXX. Send for return using sellers XXXX - XX/XX/XXXX seller acknowledges XXXX has been scanned by shipping company for return. Refund 7-10 days. Contact seller when refund not processed. Seller suggests charge back via credit card. XX/XX/XXXX - initiate charge back with Citi. XX/XX/XXXX - citi summarily closes investigation. Refuses to state reason for closure, provides documentation PROVING the seller has access to XXXX and tracking for returns and can show the seller has the merchandise and my money citi states they Advocate but have NO mandate to actually investigate the disputed transaction via the FCBA law. Seriously, the seller provided docs to Citi that show they owe the money. Citi states if they receive ANY response from the seller, even if it proves the buyer is right, citi just gives the money back to the seller assuming the documentation proves it. Then the buyer has to re-submit the sellers own documentation PROVING they are owed the money back. States I can provide additional detail, but refuse to state reason seller states they DONT owe me money so I don't know what else they need because the seller never said they don't owe money. Just provided 14 pages of documentation PROVING they do owe the money! It's the craziest thing I have ever seen.
Consumer complaint received 2021-02-20
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. (IL)

Disputed {$53.00} on my Costo Citi Visa. Citi shows " credit applied '' on dispute page, but no credit was applied to my card. Contacted Citi via their website 's " chat '' feautre. Someone named " XXXX '' was reportedly connected but did not respond after almost ten or fifteen minutes of no responses to my attempts at communication, I gave up and filed this complaint. This complaint is as much about the dispute as it is about the inability to contact a human at Citi.
Consumer complaint received 2019-05-31
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. (TX)

sent ftc claim with police report of the violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax : XXXX file number
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

American Express advertised a welcome bonus online, the reward was in the form of points. 

I met the qualifications of the welcome bonus, however, was not awarded the points. 

I filed a claim with AMEX, and they did not give me the points. 

I filed a claim with CFPB, see attached response letter from American Express. 

AMEX admitted in the attached written response, that over the phone, their employee, a representative of their company, that I would receive my points. 

" Regrettably, we found an instance where we told you that youd receive the bonus MR points in four to six weeks without confirming that there was no welcome offer on your account. '' They are not standing behind what they advertised online and they are also not standing behind what they admitted their employee promised me.

I want AMEX to make things right, and give me what was advertised on their website, and what their customer service rep promised me over the phone, which they admitted to, in writing, on the attachment.