davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-22
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: SYNCHRONY FINANCIAL (OH)

It all started on XX/XX/2019, when I provided my XXXX XXXX credit card information to the sales representative XXXX over the phone. He processed my payment and said it was all approved. He did provide me with a copy of my receipt for this transaction. He was supposed to provide me with the quantity of tiles I am being charged for, grout, cement and labor. He said he ordered the flooring. Flooring reached them on XX/XX/19. The sales rep gave me XXXX number who was going to do the installation. XXXX was unable to start the job right away. The job was completed on XX/XX/2019. By that time I had already made my first payment to XXXX XXXX. The tile installer that worked for XXXX did not speak English. He removed all the quarter rounds from my kitchen, dining room, hallway, bathrooms and laundry room. I though XXXX XXXX was going to replace those with new ones when the tiling was complete. When XXXX arrived he said his guy had thrown away all my wooden base boards and that I would have to buy new ones and get them installed. When I had spoken to XXXX he said XXXX XXXX would be replacing all those as part of the tiling. When his guy was doing my tiling he damaged my door frames and also scratched my tub when he placed the toilet in there. The tiling job was not done to our expectations. There were uneven spaces in between the tiles. Some tiles were chipped. In the kitchen the tiling was not done all the way up to the dishwasher. There were some damaged tile in the laundry room. I called XXXX XXXX, opened up a dispute. I spoke to XXXX from XXXX XXXX. She sent an inspector out on XX/XX/19. He took pictures and said he will send it to their customer care department. I have not heard from them since. The entire house flooring has uneven spaces between the tile and cement. I have had three professional contractors come out and take a look at the tiling job and they even said its not even spacing. XXXX  XXXX needs to redo my entire house tiling or I am not paying for it.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

XXXX  ; Experian and XXXX  are reporting the XXXX XXXX XXXX partial account number XXXX on my credit report. ( Please see page attached. ) There is no outstanding balance due. The bureaus removed this account previously and now they are reporting it again. This false reporting is seriously harming my credit score and needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX several times to fix this however, I have not been successful.
Consumer complaint received 2018-02-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I contacted LoanCare approxXX/XX/XXXXfor the exact amount I would need to pay and the process for paying down my loan to remove PMI. 
I sent in {$19000.00} ( slightly more than needed ) and it was appliedXX/XX/XXXX ( confirmed online ). I mailed in a written request to remove the PMI the same day and emailed a written request and called in several times since. I have request call back and email for call backs and no help! Now I have paid PMI for the month of XX/XX/XXXX& XXXX and see no sign of the PMI being canceled or anyone helping!!!
Consumer complaint received 2018-02-06
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: EQUIFAX, INC. (AZ)

XXXX XXXX, I have read that Republicans wish to reward EQUIFAX with a significant contract award, and now are actively seeking to sweep their egregiously callous miss handling of our personal information under the rug. 
Seriously? They should go to jail. I did not ask them to capture and store my personal information. I did try to get through to the jerks immediately following the incident, but they shut down all avenues of communication with us little people ( e.g. the ones they XXXX  over, not the ones who buy the information ). Sweeping this behavior under the rug is not an option from my perspective. Do the right thing will you please?
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/202 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

I was affected by the XXXX  XXXX XXXX  in XX/XX/XXXX. I applied for and was approved for a forbearance plan under Ocwen in XX/XX/XXXX. My loan was transferred to PHH who was scheduled to service the loan on XX/XX/XXXX. On said date, I contacted PHH to make a payment and was told my loan didn't transfer over. After several calls through out XXXX, finally in XX/XX/XXXX, my loan was transferred and I was told I now owed for XXXX and XXXX, although I was originally told no payments were due for XXXX. I made two payments in XXXX to bring my loan current and was placed on a trial modification for 6 months, which I adhered to each and every month by calling and speaking with an agent to make payments. I was told in XX/XX/XXXX that closer to the end of trial modification, I would receive paperwork tht would provide options available to me to cure the three months that I was on the forbearance plan. I inquired about said paperwork in XXXX and XXXX and was informed that because the company is very far behind, that I would have to continue making payments as I have been doing so and they will get around to my file and send out said paperwork. On XX/XX/XXXX I received a Notice of intent foreclose, dated on XXXX XXXX, XXXX, and postmarked on XX/XX/XXXX. I immediately contacted PHH upon receipt of said notice and after hours and hours and several different supervisors and employees, I spoke with a supervisor of the escalations department and was was informed that I did not need to worry about the foreclosure paperwork as I had been paying as I should have under the trial modification, and that PHH would submit a request to have my account reviewed as they are very behind on mailing out the paperwork. On XX/XX/XXXX, I tried to make a payment as I had been doing so for the past 5 months and was told that they would not accept a payment as I had to bring the entire account current in order to accept a payment. I requested a supervisor and was told one would call me back, as of today, I am still waiting for a call back even after calling three more times since XX/XX/XXXX. Most recently, I called and requested to speak with someone for answers on XX/XX/XXXX and have yet to receive a resolution. I was informed that now that there is no modification on my account, although I received statements with modification trial payment listed. Again, I was placed on a trial modification plan, yet at the end of the trial plan, was given no alternative option to cure the outstanding balance other than pay an amount that is twice the amount of what it should be. I need help in getting this severe error with my account resolved as this is affecting me in every way possible.
Consumer complaint received 2021-02-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (AZ)

I requested mortgage forbearance back in XX/XX/2020 to my mortgage company Home Point Financial. Forbearance was granted for 5 months. I started giving monthly payments again in XX/XX/2020. I requested a loan modificaron so the amount past due could be added to the end of the loan. My request was approved in XX/XX/2020 after I signed and mailed all the documentation. In XX/XX/ 2020 I started the process to refinance my loan with another mortgage company. This company is asking me for the loan modificaron documentation to be able to process the refinance. I have been asking Home Point Financial for this documentation since XX/XX/2020. I have called them approximately 6 times. Home Point Customer service representatives tell me the request has been submitted and I should recieve my documents by mail. To this date I haven't recieved them and haven't been able to continue the refinancing process.
Consumer complaint received 2018-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (NC)

FromXX/XX/XXXX untilXX/XX/XXXX this school loan from Great Lakes reported that I was late on my payments but I never knew anything about my student loans or anything but then they reported I was on time on XX/XX/XXXX when I still never got anything in reference to my student loans being due or anything what so ever. The school shut down that i was attending and I never got anything in reference to this student loan
Consumer complaint received 2021-01-28
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. (MD)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable and needs to be removed ASAP!
Consumer complaint received 2023-04-06
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was charged in the middle of the night between XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. By XXXX  XXXX utilities for XXXX transaction charges to my debit card for XXXX, XXXX, XXXX. I do not reside in Okaholma city, do not have family in oklahoma city. I woke up on XX/XX/XXXX to the transactions reported. I called USAA and was told I had to wait for the pending charges to clear, I returned my call on XX/XX/XXXX once the pending cleared and requested my credit card be replaced, and that fraud investigation was being done. I had explained to the agent that they will fraud check me at a gas pump XXXX miles from my home, but did not fraud alert or pop a system alarm for XXXX repeat transactions the same exact day in a whole other state. My charges on XX/XX/XXXX were deemed not fraudulent even though no investigation was completed. I Could provide proof I was working at XXXX XXXX XXXX at the time, I Could provide my Utility company state for XXXX XXXX, I could provide my other School job and childrens attendance that we were all present in TEXAS where we live at the time of the FRAUDULENT charges. They denied the charges and stated I was responsible for them, so you're telling me that as a banking individual that is to trust a bank with my money someone stealing my card number and paying clearly an electric bill in another state even though I have a XXXX charge in TEXAS the day of the OKLAHOMA charges. They requested no proof, they didnt communicate or reach out or ask for additional documentation the whole 90 days that I waited for approval. Instead they reversed it and denied it.
Consumer complaint received 2021-05-24
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. (TX)

On XX/XX/XXXX the collections account with XXXX XXXX XXXX for XXXX appeared on my credit report. I have disputed this matter multiple time once in XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX. All times the account came back verified, how can it be verified when the information isnt accurate. Transunion show a date of first delinquency as XX/XX/XXXX but the original creditor XXXX XXXX confirmed the date of first delinquency as XX/XX/XXXX which means my account was re-aged and my rights were violated. Even if you go 180 days from that date you still dont get XX/XX/XXXX. So Im asking that the inaccurate account be deleted from my report.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : 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 2022-08-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (SC)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (NC)

Equifax has re-inserted years old fraudulent information/accounts. Accounts that have been disputed and removed are now reappearing without warning or new correspondence.

According to 15 U.S. Code 1681i ( a ) ( 5 ) ( b ) ( ii ) -the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion I checked my report around XX/XX/2022 and seen the accounts reappear. I haven't received any information of accounts being reinserting in my file. Today is XX/XX/2022. 

I am sending them dispute documents, FTC Report, and the police report for these accounts. These accounts are result of ID Theft and need to be removed promptly. They are currently violating multiple FCRA regulations as well as failing to actively investigate disputes containing legal documents. I only get automated responses. Good luck getting justice with this Bureau, hope the CFPB can assist.
Consumer complaint received 2022-04-29
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. (SC)

The company is XXXX  XXXX. The information is all different on each of the three credit bureaus. The payment status and past due amounts are all different.
Consumer complaint received 2021-09-10
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: WELLS FARGO & COMPANY (NY)

These accounts that appear on my credit report do not belong to me, they are hurting me, please check them WF BANK NA Account Number : XXXX This is not mine. 
. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2018-02-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX I filed an identity theft report with the FTC and immediately put a Fraud Alert out on my credit report. I further went to my local Police department to report the theft and sent in the needed documents to XXXX & Equifax. XXXX already had an ongoing investigation therefore I did not sent the documents out hoping they would be finished with their investigation soon enough. 

Equifax received the identity theft documents on XX/XX/XXXX. I got an email on XX/XX/XXXX that's they have received my dispute and they will have an answer for me within 30 days. I did not send in a traditional dispute letter. I sent in an identity thefy report from the FTC, a local police department report number, copy of my Credit report with the accounts circled with proof of identity and a copy of the FCRA. 

Why if this being treated as a traditional dispute when I have spoken to the FTC and that the agency must block information on my credit report related to identity theft within 4 Business days.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/2022 ( a Sunday ) I received a call from Wells Fargo collection department demanding that I deposit to cover for an AHC transaction as my Overdraft Protection ended without my knowing about it. I elevated this is upper management only to have to wait for 3 weeks before a got any call back and the bank management stated that I never had Overdraft Protection on my account. I pointed that out on my bank statements to prove that I did have it and had it for the past 10 years. 
I have incurred an extra debit of {$350.00} due to Wells Fargo 's systematic error and have not received any statisfaction from their management to date. I am on XXXX XXXX and can not afford this debit.
Consumer complaint received 2018-04-06
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: JPMORGAN CHASE & CO. (MO)

I have recently obtained a copy of my credit bureau –XXXX credit report.  It showed an inquiry by your company twice that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so.