davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (OH)

My complaint is with trygrain.com ( grain technology XXXXXXXX XXXX ) it is a virtual credit card when u need funds grain sends them to ur bank acct and vice versa u pay the money back to grain the same way from ur bank acct. my last balance XXXXXXXX XXXX was XXXX XXXX I paid the XXXX XXXX payment but when my new balance was accrued they now say I owe XXXX XXXX XXXXnstead of the XXXX XXXX XXXXnterest making it XXXX XXXX I cant get a response from them requesting them through their app the way u conversate with grain for they have no phone customer services. Now we are getting close to being time for my next payment and I dunno what to do. They report to the credit bureau.
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 — Account status incorrect
Company: EQUIFAX, INC. (AZ)

On XXXX XXXX, I opened up the account with XXXX XXXX as I wanted to switch over from XXXX 

On XXXX XXXX I went back to XXXX stall inside XXXX where I originally bought the service and phone, and I returned everything to them and had receipts given to me I was told everything is done and taken care of until I pulled up my report on XXXX XXXX and found out that it is still reporting as negative on account with balance of XXXX XXXX 

I spoke to XXXX and submitted my receipts as proof of return and they removed some amount from the {$1600.00} and left {$180.00} on account saying I need to pay this as this is out of return period. I explained them it wasnt my fault as I didnt return the equipment and didnt use your service for a single day so why should I pay for it. 

To which they are denying to remove this charge and negative remarks from my report and I need to buy house and this is creating the issue for me I need help in getting this resolved as I am Not at fault Any help will be appreciated
Consumer complaint received 2020-06-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have disputed information on my credit report with XXXX   beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. 

Experian has continued to report this invalidated information with is a direct violation of the FCRA. 

XXXX has continued to report this invalidated information as well.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

After working on my credit from XX/XX/XXXX to XX/XX/XXXX. My credit score went to approx. XXXX. In XX/XX/XXXX I was XXXX XXXX in XXXX on my way to XXXX, .ca to start a new job with the XXXX XXXX XXXX.on XX/XX/XXXX. I had personal papers and belongings in the car. From that point on I did not do any derogatory things to my credit. I believe the last time I did was in XX/XX/XXXX
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Ria Envia, LLC (NE)

I purchased a money order ( two ). One was for {$1000.00} and another {$920.00}. I wrote my landlords name on the money order but a person was able to steal the money order from the landlords office, whiteout what I wrote and cashed it. I purchased the money order on the second of XXXX from XXXX. It was cashed about the XXXX or so from a bank. # XXXX XXXX ; {$920.00} # XXXX XXXX.
Consumer complaint received 2019-08-22
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. (MO)

In 2016, I received a letter from XXXX XXXX indicating someone attempted to open a credit card using my identity from an unknown address. At that time I reviewed my credit report, saw no activity, but put a fraud alert onto my account. Recently, while applying for new credit, I noted a past due balance with late payment activity on my credit report from XXXX XXXX connected to this false address. I contacted the credit bureaus to dispute the activity. Experian indicated they would not remove this activity from my credit report. I tried calling XXXX XXXX to dispute the report, but was put on hold and bounced from number to number for 20 minutes.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MN)

To whom it may concern American Express as an institution has shown actions that have displayed discriminatory and negligent business practices. Not only did they allow someone to open an account with my small business name and identifiable tax information. My business is registered and is legally owned by only me. Amex is responsible to close the account upon receiving knowledge its unauthorized which they did not do and I reasonably had to call back for almost a week to finally not get transferred from department to department and get help. At which point over a week had gone by waiting on my application with the company. They actually still allowed the other user to acquire new cards and also approved his account while me trying to report the account was ignored for 5 whole days leading the individual to create more damage to now my business credit profile. I also had experienced a completely different process than the individual who made unauthorized account. They allowed this account to remain open and ignored my attempts to close the account opened fraudulently based on XXXX score and also required me in multiple occasions to supply far more documentation than the individual they allowed to open accounts under my business unauthorized, prior to this occurrence of accepting the fraudulent application from the unauthorized individual. After this negligence thay caused me financial harm and the completely wrong treatment I received I believe I have reasonable evidence to show discrimination beyond reasonable Doubt.
Consumer complaint received 2018-02-05
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. (TN)

XXXX has unlawfully allowed false inquiry on my files which i did not authorize. over five companies showing. furthermore remains non compliant with removal of : XXXX XXXX-not collecting XXXX  or XXXX XXXX-10years old account XXXX XXXX- disputed in full, unauthorized charges present XXXX-not collecting and no response XXXX- hostile torwards me, TILA violation, bureau non responsive in removal, atty hired served with other accounts for removal and keeps adding them back.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX has closed my line of credit as a retaliation under the XXXX. 

Pursuant to the Fair credit Billing Act XXXX hasnt taking care of the bill error regarding the billing errors requested in XX/XX/2020 concerning a timely requested under the FCBA. 

The payment was withheld regarding the disputed amount pursuant to the Fair credit Billing Act. 

In Or Around XX/XX/XXXX, XXXX issues a letter saying that the requested made in XXXX was untimely but credited the disputed amount. 

On XX/XX/XXXX, without my consent regarding permissible purposes under section 609 of FCRA, the XXXX Equifax and XXXX released credit information without my consent. 

Do to my XXXX XXXX XXXX has closed my account regarding my credit report without consent regarding permissible purposes under the FCRA.
Consumer complaint received 2020-07-23
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. (MA)

I was laid off from work due to COVID-19 find out my XXXX and XXXX pmt are late. I call Im they tell me payments were applied incorrectly. I cal back again in XXXX was advised of the same thing and everything would fall into place and be on time so I make my XXXX payment and its reported 30 days late after I was advised when making the payment it would be on time and not reported late. This is been going on for XXXX I call and I get we will call you back and no response. Now Im 3 months late on my account when I was advised everything would be XXXX and pmts would not be late
Consumer complaint received 2022-04-29
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. (AR)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX 15 U.S.C 1681 Section 602A states that I have the right to privacy 15U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-01-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: CommonBond, Inc. (MN)

I was approved for a refinance student loan in XXXX of 2021. According to Commonbond, that loan was disbursed on XX/XX/2021. However, my previous lender has not yet received a disbursement check and has continued to expect payment. According to Commonbond, they issued a check but it was returned. I was not informed of this until XX/XX/2021. 

Rather than contacting the lender for an explanation, Commonbond sent me an email requesting the mailing address on that date. I did not see the email until later when I was charged again for both loans. I sent my response with the address provided by my previous lender on XX/XX/2021. I did not receive a response to my email. 

I contacted Common bond on XX/XX/2021 to confirm receipt of my email. They confirmed that the email was received and that a second check had not yet been issued. The representative said that he would forward this issue to his supervisor and would send an update the next day via email. I did not receive an email. I called again on XX/XX/2021 and was told that the representative had no additional information and would follow up with me later that day. I did not receive a call or an email with more information. I called again on XX/XX/2021 and was informed that a second check was not yet issued and that the representative had no information to share and could not provide an accurate estimate of a response time. I requested that further steps be taken to ensure that this issue is resolved. They declined to take further action and repeated the offer to follow-up with an email. 

Throughout this time, Commonbond has required payment of this loan despite not paying off the original loan. This has resulted in double payment for several months. 

It is unacceptable that their customer service representatives do not follow-up on their commitments to address this issue It is also unacceptable that they do not have any information to share when reached by phone.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

on XX/XX/XXXX I wrote a letter to TransUnion, XXXX, and XXXX asking them to delete all inaccurate personal information from my credit report I mailed in supporting documents such as current drivers license, birth certificate, social security card, current utility bill, ect. and they still failed to update my personal information. again on XX/XX/XXXX I sent a second letter to all three credit bureaus with supporting documents and again on XX/XX/XXXX a third letter with little to know result. Some information was updated and removed with TransUnion, and XXXX, but nothing changed with XXXX, and XXXX has been the most difficult to work with. I even sent in a police report where my wallet was stolen that had my current drivers license, and social security card in it. 

I have continued to send letters with little to no results : XXXX letter sent XX/XX/XXXX letter sent There was a collection from XXXX that showed up on my credit report at the end off XXXX or the begging of XXXX I tried to dispute that, but that came back as verified. I have requested a debt validation letter from all three credit bureaus, and I have not received anything. I have not received anything in the mail from XXXX and I truly believe that this collection does not belong to me. 

After my wallet was stolen I started seeing hard inquiries appear on my credit report I don't know what else to do, but the information that they refuse to update or delete is inaccurate.
Consumer complaint received 2024-02-28
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I demand the immediate removal of late dates associated with the disputed items on my credit report. The furnisher 's failure to respond to verification requests is a clear violation of the FCRA, and I insist that the credit bureau comply with the law by promptly updating my consumer file. Take swift action to delete the inaccurate late dates and rectify this matter in line with the Fair Credit Reporting ActXXXX XXXX XXXX Date opened : XX/XX/year> XXXX : {$840000.00}. Please update this account ASAP.
Consumer complaint received 2019-08-22
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. (FL)

I have incorrect information on my credit file that does not belong to me. If you can not prove that these accounts belong to me ( which is impossible because they are not mine ) than they must be removed by law.

XXXX   COLLECTIONS : INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTIONS : - XXXX - XX/XX/XXXX - {$40.00} - XXXX XXXX - XXXX  - XXXX XXXX XX/XX/XXXX - {$170.00} INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX COLLECTIONS : INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-02-05
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. (CA)

I had signed up for a internet dating site called XXXX on XX/XX/17 and the charge was {$65.00}. I found that the site was posting fake ads - there were several ads with the exact same personal introduction. Example : XXXX XXXX XXXX XXXX, CA I think Im pretty easy to get along with. I think its because I like to listen just as much as I like to talk. People find it easy to communicate with me and I think thats a big reason why. 

XXXX  XXXX XXXX, CA I think Im pretty easy to get along with. I think its because I like to listen just as much as I like to talk. People find it easy to communicate with me and I think thats a big reason why. 

I tried in good faith to resolve this with the merchant with no success. I therefore, submitted a dispute with the credit card company. I supplied the above info twice and the reply was that I had not submitted proof to validate the dispute, namely proof of cancellation of the purchase. I was not disputing the charge based on the issues of cancellation/non cancellation but on the quality of the product.
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

We own a restaurant in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the president, the late fees were not to be assessed during Covid and the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being affected from the late payments.
Consumer complaint received 2021-11-05
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: Nelnet, Inc. (NY)

I borrowed {$12000.00} USD from a loan provider by the name of Great Lakes while attending XXXX XXXX XXXX. That loan was in deferment and during the COVID 19 pandemic, the loan provider claimed that I'm a delinquent. This goes against former president Donald Trump 's executive order to place all student loans on temporary hold. They've ruined my credit. I no longer owe them money either. This must come off my credit report because it's unethical of them to go against the president 's order and we were in the middle of a pandemic. I can not resolve the issue via the credit reporting bureau.
Consumer complaint received 2018-02-05
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ricart Financial Services (OH)

On XX/XX/2018 XXXX contacted my husband regarding my car payment advising him that I had a payment due and telling him that well she had a payment returned, one payment was 30 days late and this payment is about to be 30 days late ... he asked her why she was contacting him, she said because I cant get in contact with her well she only called once and I am at work. First of all I dont know how she got his information second of all you shouldnt be calling and giving him any information regarding my account and what happen on my account. He gave me details of what happen on my account. This shouldnt be happening.
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: EQUIFAX, INC. (DC)

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 Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (GA)

I chose Better.com because they beat out another company on the loan estimate and they had overall better reviews. 

Since locking in the rate and paying the company {$150.00}, both my APR and MPI have increased significantly. Over the last 2 weeks the loan estimate changed twice in both these areas.

The APR went up 0.2 % and the {$140.00} per month on a $ XXXX loan. Therefore, creating an increase of {$300.00} more on my monthly mortgage payment. To say the least Im angry, frustrated and very concerned. I budget my expenses and try to live below my monthly income. However, what I find most interesting the closing costs keep decreasing. To keep me off track of my monthly payment increasing. 

I questioned Better.com and asked for an explanation. I received an answer regarding the PMI from XXXX PMI is affected by a number of factors such as XXXX, XXXX, XXXX XXXX, appraised value, and if any of these changes once your loan is in processing, your PMI quote can change. 
I went over this with my lead and it's very hard to say what exactly is causing PMI to increase as there are a number of factors that can affect this. 
We do work with a few different vendors and our system will automatically choose the PMI with best pricing. 
We won't have the settled amount until we reach the closing stage. 
If another lender is able to give you a number that would not change, I would completely understand if you would rather proceed with them. 
We want your business but in the end we want what works best for you as well. 

The appraisal has not been completed and Im 2 weeks away from closing. Can you please help and guide me?

I have also learned Better.com ONLY uses income as a determining factor for the loan and debt ratios. Therefore stocks and 401Ks do not play a huge part in the overall picture of the loan process.