davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-21
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: HCFS Healthcare Financial Services of TeamHealth (OH)

I am trying to rebuild my credit the bankruptcy on my report is holding my credit score down is there anyway to get it off ?? I have fixed all other problems that I have had in the past since then!! I try to keep up on all my Bill's now a days and iam very responsible and upstanding citizen. Thank you very much XXXX XXXX XXXX
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CO)

We needed funds from our checking account to be transferred for the closing on our home. The funds needed were in excess of the daily online limit, however, the funds were within the limit for a transfer at the bank. I asked for a one time exception to transfer more funds for the closing of a house, as where we are moving does not have a branch, and nobody was able to assist me.

In addition, the staff who tried to assist me were insincere, dismissive, condescending, and rushed. I tried to ask for them to think about alternative solutions, such as using a business account, and nobody was willing to entertain these ideas. I also indicated that if Chase can not help me with this transaction, then I would be inclined to leave Chase as a customer, and there was no attempt to try to retain my business. I received the impression that they would rather not have me as a customer.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I'm currently a customer of Capital One and I have a credit card with Capital One called XXXX XXXX. The last four digits of the card is XXXX. I was told by a customer service representative that my account should report to all three credit bureaus. Unfortunately, this particular account is only reporting to XXXX, XXXX, and not XXXX. Can you please make this adjustment because it's affecting my overall credit utilization with XXXX?
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

I was informed when I called the insurance agent that my homeowners policy had been canceled due to nonpayment. 
I had carried the same insurance since XXXX. My escrow is handled by the mortgage company. 
Not only do I not have my homeowners policy but no hazard insurance was placed during the lapse. 

My mortgage company in loancare acct # XXXX XXXX I am trying to get an insurance policy in place, the mortgage servicer refused to assist and did not inform me there is currently no coverage when I spoke to XXXX in the insurance dept last night. He stated it was all up to me. I placed a call to my former issuing agent XXXX XXXX XXXX Maine XXXX and they will get back to me. XXXX XXXX will not reinstate me due to cancelation for non payment ( by mortgage company. 
How can I protect myself?
Consumer complaint received 2019-03-12
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. (LA)

I was in XXXX trying to apply for a store credit card and i got declined. I was super embarrassed and shocked, so i went home and checked my credit report and i was shocked to see items that i didn't authorize. These Items are not mine and need to be removed from my credit report. I have contacted the FTC and the local police here. 
FM XXXX XXXX XXXX, 10 XXXX XXXX, 11 XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-05-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Last month, on XX/XX/XXXX, I filed a complaint regarding my escrow overage and property taxes ( XXXX ). In the companies response, they stated that they have processed my account as tax exempt and updated the escrow. On XX/XX/XXXX I sent a message stating that a refund in the amount of {$940.00} was mailed from the taxing authority and asking how long it would take to process. I received no response. On XX/XX/XXXX the mortgage company received a refund for XXXX property taxes in the amount of {$940.00} from XXXX XXXX. Instead of refunding the overage to me, which they stated they would do, they put the money into escrow. I was informed that they will not refund the money to me until they receive the refund from the other two taxing authorities. I informed them last month that I already received the money as it was sent directly to me. I informed them of this again today and was still told that they are waiting on it and the research team will follow up on XX/XX/XXXX. 
This is message I received : The tax lines have been updated with your Full Tax Exemption for the XXXX and XXXX tax years. A refund in the amount of {$940.00} was received from XXXX XXXX for the XXXX tax year, installment. The funds were placed into the escrow account. We are still pending a refund from the tax office to be placed back into the escrow account for the remainder. The next follow up will be XX/XX/XXXX, nearly three weeks after receiving the money. Enclosed is a copy of the Escrow Account Disclosure Statement, generated on XX/XX/XXXX, for your records. 

Even though they acknowledge that I am tax exempt, they are refusing to refund the money. Again they are violating RESPA section 10. They are intentionally and knowingly creating an overage in my escrow account and refusing to process the refund of the money again. I do not understand why it is such a difficult process to have my money refunded in a timely matter, especially when the amount is so high. XX/XX/XXXX isn't even a completion date, it's a follow up date. Since the last complaint, I have sent all correspondence regarding this matter through their online account messaging.
Consumer complaint received 2019-03-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I sent a complaint by United State postal certified mail ( Equifax complaint # XXXX ) and through your system XX/XX/2019 ( complaint # XXXX ). There is still and item on my report that is pending and its been over 40 days. You sent me a confirmation that you sent the request to Equifax on XX/XX/2019 and Equifax even responded that they received the request on XX/XX/XXXX. However one item is still on my report : The account that should be deleted is : XXXX XXXX XXXX
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

This complaint is against Experian for reporting an inaccurate address and inaccurate Spouse on my credit file. Experian refuses to correct this inaccurate information even after I provided them proof. 

Experian is reporting and address of XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX. This address is not mine! 
I have complained to Experian both over the phone and via letter but Experian states that they will not remove the address because there might be a possibility that another account would attach to this address. What is that? It doesn't make sense. I have included in this complaint a copy of my notarized admission of my current address. Experian also has the name XXXX as my spouse. This is totally incorrect! This person named XXXX is not my spouse! This is inaccurate and also is included in my notarized letter.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have tried to dispute these inquires and they are giving me a hard time. There should only be two hard inquiries. They also have my account almost XXXX points lower than the other two reporting agencies.
Consumer complaint received 2022-01-11
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. (FL)

I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES.BLOCK AND REMOVE THEM. XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2024-02-26
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. (NC)

DEPT OF ED XXXX XXXX Company is unresponsive. This isn't my debt as I have never taken out a student loan. This seems to be an error or fraud. I have made several attempts to contact the credit bureau but they all insist I file a complaint directly with the company. This is inaccurate information and needs to be resolved immediately as It is affecting my credibility
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NC)

This complaint is in regards to American Express and their Delta Skymiles Reserve Card. 

They claim to have a benefit for TSA PreCheck ( below is the post from the AMEX website ) : " Application Fee Credit for Global Entry or TSA PreCheck Receive either a {$100.00} statement credit for Global Entry or a credit of up to {$85.00} for TSA PreCheck after you apply through any Authorized Enrollment Provider. Only one credit will be given in a 4 year period for Global Entry or in a 4.5 year period for TSA PreCheck, depending on whichever application fee is charged to your eligible American Express Card first. 

The application fee credit for Global Entry or TSA PreCheck is available to American Express Gold Corporate Card Members, Consumer Platinum Card Members, Corporate Platinum Card Members, Business Platinum Card Members, Consumer Centurion Members, Corporate Centurion Members, Business Centurion Members, Delta SkyMiles Platinum Card Members, Delta SkyMiles Reserve Card Members, Delta SkyMiles Platinum Business Card Members, Delta SkyMiles Reserve Business Card MembersXXXX XXXX XXXX XXXX XXXXXXXX American Express Card Members. 

Additional Card Members on Consumer and Business Platinum and XXXX accounts also receive the benefit when the Global Entry or TSA PreCheck application fee is charged to their eligible Card. 

For XXXX XXXX XXXX XXXX, Delta SkyMiles Platinum Card, Delta SkyMiles Reserve Card, Delta SkyMiles Platinum Business Card, and Delta SkyMiles Reserve Business Card either the Basic Card Member or the Additional Card Member ( s ) on the same account can receive the benefit when charged to their eligible Card. The first application fee charged to the eligible American Express Card will receive the credit. Please note, there is only one ( 1 ) statement credit in a 4- year period for Global Entry or in a 4.5 year for TSA PreCheck available per Card account. '' - I have transactions on XX/XX/XXXX whereby me and my wife paid for TSA PreCheck at a preferred TSA.gov  company ( XXXX ) and charged these fees on our AMEX Delta Skyline Reserve Cards.

- I was told by one online AMEX support associate that XXXX was not a company they reimburse these fees for. Was then disconnected from the chat session with this associate. 
- After reconnecting with the AMEX support, I was also told by another AMEX support associate that they did not cover but ONE reimbursement of fees but the disclosure says the primary cardholder AND the additional card members.
Consumer complaint received 2021-05-02
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Advanced Resolution Services Inc. (WA)

Sent ARS ( advanced resolution services ) a request for a security freeze and a consumer credit report, i sent it a letter via certified mail usps # XXXX nearly a month after my request they have yet to comply.
Consumer complaint received 2021-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

G C XXXX XXXX on XXXX the amount {$380.00} for a debt the does not belong to me. This same amount was disputed with Credit Collection Serv on XXXX in amount of {$380.00}. The company XXXX sent this on XXXX to credit agency Credit Collection Serv and now resubmitting to G C Services which again has been submitted to credit bureaus as a debt. Each time this has negatively impacted my credit by XXXX38 points. This should be against the law and is considered fraudulent. The credit bureaus will remove derogatory accounts but will not give back the points taken due to the misrepresenting/fraudulent activity! Companys are allowed to do this to hurt the person with no consequences because they know they will impact the persons credit score. Persons should not be affected by fraudulent activity on a consumer part. This is not fair or ethical.
Consumer complaint received 2020-11-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I submitted a dispute with XXXX and XXXX on XX/XX/2020, XX/XX/2020 and XX/XX/2020. the first letter I asked them to verify that the accounts in question belonged to me. The letter sent on XX/XX/2020 was a follow up letter asking them for the results on the 1st dispute. The letter sent on XX/XX/2020 was an intent to file a complaint for the accounts that were not properly investigated by them. This letter also pointed out facts of the accounts that showed that these accounts are reporting inaccurately. some of this letter was typed which I will attach and the factual inaccuracies were handwritten, which I am unable to attach. For example, each bureau reported different dates as well as different amounts. Also, they were also reporting different amounts. I sent regular letters as well as certified letters asking hem why they were reporting different information if they are receiving the same info from a creditor. I never got a response. Just an updated account on XXXX and a dropped score.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

XXXX/XXXX/XXXX I contacted Citi customer service via chat to make sure the automatic payment is cancelled. The representative assured me the withdraw will not happen. So I made separate payment amount of $XXXX.XXXX from other bank.XXXX/XXXX/XXXX Citi did not cancel the automatic payment, and my account is overdrawn and return check fee($XXXX) from Citibank and overdrawn fee($XXXX) from my bank account were charged.XXXX/XXXX/XXXX I contacted the Citibank and they say they will return their fee and provide $XXXX statement credit for the overdrawn fee. I again made sure they will not overdraw again.XXXX/XXXX/XXXX They overdraw my account again, return check fee ($XXXX)  and overdrawn fee ($XXXX) were charged. XXXX/XXXX/XXXX  They again claim they will return the both fees after the statement is issued.XXXX/XXXX/XXXX I contacted them numerous times after the statement but they say no fee will be returned.I attached the Citibank statement showing the $XXXX charged twice, and the bank statement showing $XXXX charged twice.
Consumer complaint received 2021-05-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

Wakefield and Associates is claiming I owe a debt, and the balance of that debt is {$0.00} but somehow shows up on my credit report as a debt/balance owed. I never owed them anything so I never paid anything late and therefore shouldnt be a balance at all especially a XXXX balance. Please take this off all credit reports its causing a lot of problems for me.
Consumer complaint received 2020-09-09
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. (CA)

I have file disputes with all 3 credit bureaus back in XXXX and yet have heard anything. I understand that with covid things are slow but still should not take 40plus days to get results
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (MN)

Repeated Cold Calls from " Discover '' offering to lower my interest Rate. 

I have not had a Discover account for years. 

I have repeatedly asked them to stop calling me ; but the calls continue. 

Most recent call came from XXXX on XXXX at XXXX AM CST My numbers are in the " Do Not Call '' registry
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Consumer Finance, Inc. (NH)

I HAVE BEEN BATTLING A WRONGFUL AMOUNT WITH XXXX XXXX XXXX XXXX. I HAD A VEHICLE THAT WAS CONSIDER A TOTAL LOSS ON XX/XX/XXXX. AT WHICH TIME THE LOAN COMPANY ALONG WITH ANY AFFILIATED PARTIES WHERE INFORMED. I AS LONG AS THE LOAN COMPANY WAITED FOR INSURANCE TO PRODUCE THEIR DECISION AN FORWARD A CHECK TO THE LOAN COMPANY. THIS CHECK WAS NOT PRODUCED TILL XX/XX/XXXX. AT WHICH TIME PRIOR TO THE CHECK BEING PRODUCE MY BALANCE WAS XXXX. AFTER A CHECK OF XXXX WAS PROCCESSED MY REMAINING BALANCE TO PAY UNITED CONSUMER FINANCE WAS XXXX. AN WHICH I OFFERED TO IMMEDIATELY PAY, FOR A REASON UNKNOWN AN NEVER DISCLOSED TO ME DURING A 10 MONTH WAITING PERIOD UNITED CONSUMER AN ITS AFFILIATES DECIDED TO REPORT NEGATIVE ON MY CREDIT REPORT AS WELL AS STATE A OWED BALANCE OF XXXX. I HAVE TRIED NUMEROUS TIMES TO CONTACT THE LOAN COMPANY AS WELL AS CREDIT BUREAU.
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

My mortgage/home loan was purchased by Fifth Third Bank. I have tried to setup an an automatic payment via their website/online ; they do not offer this capability. If I try to call them - no one is available to speak to and the " hold/wait time '' is longer than 30 minutes. Instead I have to log on each month and create a monthly payment online ; their systems are so compliated and inept - they have " over collected '' on effort to reduce my principal twice. Again - I have tried to reach them by phone to find out how/why they are unable to properly process my payments - but again if I call someone the wait times are longer than 30 minutes. 

Not sure how in this day and age all roads having to speak to someone " live '' at their company and they can make me have to wait for more than 30 minutes. Initially - just signing up with this banking organization was nothing short of horrific. Worse banking experience I have ever encountered. Again - I could not " log on '' and create my Fifth Third online account without someone stepping in and helping me over the phone.

During the pandemic - its hard enough to get by without the additional hoops and hassles this bank has caused me. Thinking of refinancing just to get away from these fools.