davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (MD)

I had a mortgage that was being serviced by " LoanCare '' and I refinanced on XX/XX/XXXX with another company. Upon the completion of the refinance, there was an escrow balance of {$6000.00} that was due back to me. On XX/XX/XXXX I called Loancare to inquire about the refund check since I had not received it. The customer service agent stated they would look into it and issue a new check. On XX/XX/XXXX I called and spoke to a supervisor named " XXXX '' regarding my escrow refund because again, I had not received a check. The supervisor stated that he was initiating a " review request '' that would trigger a reissue of the refund check. On XX/XX/XXXX again I was forced to call Loancare because I had yet to receive my escrow refund check. This time I was told that the issue would be escalated in their system in order to get the check processed quickly. Today is XX/XX/XXXX and I have yet to receive my escrow refund check.
Consumer complaint received 2021-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (PA)

Through my credit report monitoring I became aware on XX/XX/21 that Barclay Bank, the provider of the XXXX XXXX credit card, had charged an annual fee of {$190.00}. I was never provided a statement via mail nor a notification via email that they had charged my card this fee. My address and email are up to date with Barclay Bank and I have not used the card in quite some time so I do not log in regularly to check for charges that I have not made. 

Upon review of my credit report I immediately made the payment on XX/XX/21. I reached out to the credit card company informing them that I had not received a statement via mail nor a notification via email. Their canned response was " we are required to report delinquencies to the credit bureau ''. They had no explanation as to why they had charged my card the annual fee yet never issued a bill or notification via mail or email and did not take further action. 

In my 40 year credit history I have never missed nor been late on any payments and I respectfully request that this inappropriate charge resulting in a delinquency
Consumer complaint received 2021-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children.
Consumer complaint received 2021-07-02
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: Experian Information Solutions Inc. (AR)

This complaint is for the timeshare company XXXX XXXX. We spoke with their employee named Ms. XXXX who was introduced to be something other than just a salesperson & also claimed to not work on commission. We were enticed by telling us we were making a good financial investment. They promised that the resale value would go up. We were also tempted when we were told that the purchase had some tax benefits similar to owning a second home. They make it sound like they're making a special offer made only just for us because they mentioned they needed " corporate '' approval to give us the price offered. We were also pressured by telling us that it's our last chance at the lowest price. They had us open a credit card wherein they made me sign an application making me believe that it was part of the application process but I wasn't made aware that it will be used to open a credit card. They also had my ID at that time. They offered us breakfast, tickets to shows etc. I felt I was rushed into this because shortly, there were 3 people talking & they never gave me enough time to read & fully understand the contract properly. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. I was XXXX years old then, so it felt like I was taken advantage of. We experienced financial difficulties due to this timeshare plus the problems caused by Covid19. I have to work extra days for this timeshare and they kept calling us for payments everyday. Everytime things got worse in dealing with them, they kept promising things would be positively different but it never gotten any better. I had the worst experience with this timeshare, we were simply defrauded, this is a scam. They lied to us, having this timeshare is not as great as they made it out to be, paying monthly for the rest of eternity.
Consumer complaint received 2021-05-19
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: PENTAGON FEDERAL CREDIT UNION (MI)

On XX/XX/XXXX there was in inquiry that appeared on my XXXX credit report that I did not initiate. The company name showed Pentagon Federal Credit Union. I contacted the CU directly and they confirmed that someone had used my name, address and SS number to set up an account. They explained how an investigation could take several months, after which there would be a letter sent to each of the credit reporting agencies to remove the inquiry, however, I have nothing in written, thus no confirmation for the actions and steps that will be taken to have this removed from my credit report.
Consumer complaint received 2024-02-21
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: SYNCHRONY FINANCIAL (NY)

I have made multiple disputes with all 3 credit bureaus regarding a care credit dispute. I have never received any paperwork suggesting this account belongs to me. I have been going back and forth with each credit union for the last two years with no success. This has been on my credit report for years with no success. I have exhausted all avenues with no response or explanation. This is not acceptable and against the law
Consumer complaint received 2021-04-01
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. (OR)

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. You are reported inaccurate information : totally different, or missing. I attached copies of my annual credit reports so you can find wrong information on my XXXX XXXX account.
Consumer complaint received 2019-02-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: DLC, LLC (NV)

During the month of XXXX someone compromise my accounts that made me an able to pay back a lender the company was notified and I told them I will keep them informed of whats been going on when I went to work the company had sent directly to an unsecured fax documents requesting information on myself although the fax was titled HR management The documents were never sent to the human resource department they were sent directly to my department which is a violation of my privacy. I notified the company and they said its part of their collection procedures
Consumer complaint received 2019-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MO)

I had a Chase XXXX credit card. It was shutdown by Chase for undisclosed reasons. I did not attempt to have this credit card restored. XXXX started providing very favorable XXXX rewards and I did not believe dealing with Chase was worth reopening my account. 

Sometime later I applied for and received a Chase XXXX XXXX XXXX. I used that card for about two months before Chase closed this account in XX/XX/2018. 

Chase did not give me any warnings and I found out this was done while in the XXXX XXXX VIP lounge given to United Chase credit card holders in XXXX XXXX, California. ( You get two passes a year. ) Once I got home in XXXX XXXX I attempted to have this issue resolved. I called Chases customer support and was told they determined to close my account for the same undisclosed reasons they closed my Chase XXXX credit card account. I did not get to speak to the individuals who made this decision directly and told there was no way to escalate my claim any higher. 

I am not sure why my Chase XXXX credit card was canceled. I have not been told. I did use this card frequently and received cash from Chase based on its 5 % cash back on XXXX products. I always paid my bills and have been an exemplary consumer of credit cards. My credit score speaks for itself. 

I would like Chase to allow me to have both credit cards, but at the very least allow me to have a XXXX XXXX   card and if I choose to do so in the future, a XXXX  and XXXX Chase Credit Card. 

XXXX is the primary airlines in my home town and I frequently travel for work. XXXX hotels are also my hotels of choice and would appreciate the ability to someday earn points by having a Chase XXXX and Chase XXXX airline card. Chases postition as the credit card provider of many of my services of choice has made their arbitrary decision to not provide me services very inconvenient.
Consumer complaint received 2021-04-01
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: EQUIFAX, INC. (FL)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT FOR THE 4th NOW TIME ON BEHALF OF MYSELF. 

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of and obviously did not obtain credit for. The bureaus did not delete the inquiries nor have they EVER responded within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is now XX/XX/XXXX and I still have absolutely nothing, after SEVEN MONTHS of disputing! No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2019-02-23
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 — Problem with personal statement of dispute
Company: LEXISNEXIS (OH)

In XX/XX/2018 I sent letters to XXXX, XXXX, XXXX and Lexis Nexis asking for proper verification of a two bankruptcies that on my credit reports. None these companies were unable to provide direct verification from the bankruptcy court of XXXX Ohio. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. In fact XXXX  states on it dispute reports that they use LexisNexis which is a third party to verify this information. Outside of getting dispute results reports back none of these companies have sent me how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional information.
Consumer complaint received 2024-02-21
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I open a account with XXXX dollars in XXXX at Bank of America which the closed the same day I opened it never gave me a reason why they closed the account they just told me they sent out the check but I have yet to receive the check and we are in XXXX going to XXXX i have called 7or 8 times since XXXX all they keep telling me is to call back the next day
Consumer complaint received 2021-03-26
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. (FL)

Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and cred.it inquiries on my credit report without my knowledge I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I feel like I am getting the run-around. I have also called these companies where the fraud happen and they could not verify my information. I am a victim of identity theft. I have attached the FTC report below along with my driver 's license and social.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

All of my public benefits has been terminated and the government is requesting for their money to be returned that was paid out to me over the year because they feel I did not qualify for benefits since truist is reporting they have an account for me with a balance available to me of XXXX. So Im homeless with my children and truist refuse to close this account or report to public assistance via letter and systems that the funds do not belong to me. Please close this account and send proof to me
Consumer complaint received 2022-08-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (FL)

I went online applied for a XXXX loan was offered XXXX secured oelr XXXX unsecured. The agent I spoke with XXXX on the XXXX of XXXX had XXXX upload my info in the system and also email my tax return and stated they would call me back and failed to do so. I called the branch this morning and was told they are short staffed and he'll get around to it when he can my another rep. I called the corporate phone number and spoke with a representative and explained that I hadn't got a answer back if I was approved. She said you were for XXXX but give me a min. Then connected me with XXXX who also had me re-upload my info and stated she would look over and call me back. I called back about XXXX and was stated you were not approved. Because Onemain had used my credit card to enter into a transaction with me and failed to do so they violated 15 U S Code 1602g,1602p, 1681n, and 1681o
Consumer complaint received 2023-08-15
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 — Problem with personal statement of dispute
Company: Sterling Infosystems Inc. (GA)

XXXX  XXXX XXXXVerification2nd submittal This is my 3rd response to this dispute sent to Sterling after I personally contacted XXXX : I just contacted the XXXX XXXX XXXXXXXX, and they also told me they have a record of participating in two classes. I explained what I voiced in my previous email that this organization seems to have lied and was not connected with the XXXX XXXX XXXXXXXX. 
As I statedin my previous email, I attended XXXX classes in XXXX and the organization stated they were affiliated with the XXXX  XXXX XXXX. Now come to find out these documents are bogus. 
The administration stated years ago they had connections in XXXX and the XXXX XXXX but not anymore. I asked what couldbe done they saidfor me to contact XXXX in XXXX. 
When I called the school individualonline statedthe school has changedownershipetc.I 'm out of XXXX USD, plus this bogus Degree.I attended these classes in XXXX  XXXX. Request this item be removed from my background screeningfor the above-mentioned reasons. 
My next action will be to have my lawyer contact your organization to see why the information has not been removed. 
XXXX XXXX XXXX
Consumer complaint received 2020-11-04
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. (TX)

( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
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 — Problem with personal statement of dispute
Company: Williams, Rush & Associates, LLC (TX)

I noticed a collection on my credit report. After researching I determined that this was an account from XXXX that should not be on my credit. There is now an attorneys office that is calling requesting payment and threatening lawsuits. The dates shown on my report are from XXXX and again this account was closed in XXXX. I contacted creditor to ask why I did not receive a XXXX when charge off was done and asked for them to mail me the account information. This was done back in XXXX of XXXX. Then - after 4 months XXXX XXXX and XXXX appeared on my credit report with this account but showing it was opened in XXXX of XXXX. This account can not be shown as a new account per the Fair Credit Reporting Act. Please remove this from my credit immediately.
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

Short version : The company owes me money and is ignoring numerous methods of contacting them, all documented below. 

Details : LoanCare is my mortgage service provider. My loan was sold to them as, clearly, no sane person would choose to do business with LoanCare. My residence 's property taxes are due in XXXX, and we refinanced and closed this LoanCare loan on XX/XX/XXXX. The closing attorney for our new loan paid the property taxes in early XX/XX/XXXX, and then LoanCare *also* paid the property taxes. I have confirmed with the XXXX XXXX XXXX for XXXX XXXX, South Carolina that the closing attorneys payment was received first. Therefore, when the XXXX XXXX XXXX received the LoanCare payment from our escrow account, they sent a refund check to LoanCare on XX/XX/XXXX. 

That property tax refund belongs to us. Until LoanCare refunds us, we have essentially paid property taxes twice : once through the closing on the refinance and once through a full year 's worth of escrow that LoanCare collected with our monthly payments. Anyone can contact the XXXX XXXX XXXX XXXX for XXXX XXXX to verify this. 

LoanCare 's website agrees that our mortgage with them is paid-off as of XX/XX/XXXX. Unfortunately, they are not showing the negative {$3800.00}. Even though they recognize that we don't owe them anything else, and our relationship should be over, they have not refunded the doubly-paid property taxes of {$3800.00}. 

I've contacted them : Friday, XX/XX/XXXX through their website 's contact form. The responded the next day through email with " Your information has been forwarded to the Tax Team. Please allow more time for further research and resolution. '' Friday XX/XX/XXXX through their website 's contact form. They responded similarly but with no solution. 

Numerous times through their phone system, but there's no way to talk to actual person. 

Through an email I found by searching on the internet ( also listed on their main XXXX page ). Sent an email to XXXX on XX/XX/XXXX. I received a phone call from an odd number ( it was not the correct number of digits ) that left me a voicemail saying to call them back at their original phone number. Of course, that does not solve anything because it's an endless phone tree. There's no way to reach an actual person. 

Monday, XX/XX/XXXX through their website 's contact form. They responded with a short sentence about how they'd forward my inquiry to a team of specialists. No solution has come of this. 

Friday, XX/XX/XXXX through their website 's contact form. They responded with a short sentence about how they'd forward my inquiry to the tax team. No solution has come of this. 

Through an email XXXX on Monday, XX/XX/XXXX. No response at all. 

Through two certified letters detailing every piece of information they'd need to write me the check I'm owed : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-01
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. (PA)

, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : DEPTEDXXXX ACCOUNT NUMBER : XXXX Balance : {$3700.00} ACCOUNT NAME : DEPTEDXXXX ACCOUNT NUMBER : XXXX Balance : {$7100.00} ACCOUNT NAME : DEPTEDXXXX ACCOUNT NUMBER : XXXX Balance : {$1800.00} ACCOUNT NAME : DEPTEDXXXX ACCOUNT NUMBER : XXXX Balance : {$3400.00} ACCOUNT NAME : DEPTEDXXXX ACCOUNT NUMBER : XXXX Balance : {$1800.00} ACCOUNT NAME : DEPTEDXXXX ACCOUNT NUMBER : XXXX Balance : {$3700.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature.