davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-21
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: CITIBANK, N.A. (NY)

OnXX/XX/2019 I ordered appliances from Home Depot, a XXXX range and an XXXX washer dryer combo for a newly renovated home.I used my Home Deport credit card.  Home Depot Credit Services XXXX XXXX XXXX XXXX XXXX, SD XXXX  My card ends in XXXX.On XX/XX/2019 Home Depot's subcontractors delivered the appliances and damaged my home.  They drilled 6 extra holes in the brand new floor while trying to learn how to install the stove anti tip bracket.   They tried to force the stove into it and broke the leveling leg on the stove. So now the stove sits crooked with a broken leg (see photos).  While driving away, the delivery men ripped wires from the building and damaged my roof where the wires were attached.I had to call 911 because wires were 3 feet off the ground and it blocked traffic and was dangerous.  I have attached photos of the responders fixing it so public traffic would not be impeded.  I have attached photos of a metal rail sticking up on their truck that ripped the wires down.I reported it that day on the phone and on the paperwork (see attached)I incurred $XXXX in repair bills fixing my roof.I have tried filing 3 disputes and all I get told is to deal with the delivery company or call the store.  I didn't buy from a store.  I bought online.  Homedepot.com referred me to their subcontractor who is giving me a runaround.  The credit card company is siding with home depot.  They are biased.
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

3 Fraudlent charges on my TD Bank Debit Card ( please see attached images ) totalling {$490.00}. The charges were to XXXX XXXX XXXX and XXXX XXXX XXXX. 

XX/XX/18 - XXXX XXXX XXXX {$400.00} Another charge to XXXX XXXX XXXX {$8.00} XX/XX/18 - XXXX {$81.00} I told my bank and they can not guarantee I will be refunded my money
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (MD)

I noticed unauthorized hard inquiries on my credit report. Listed below are the companies and dates : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXXs rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2018-10-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

In XXXX I opted into a biweekly payment plan with Ocwen, and made my payments under the belief that I was paying down my mortgage with a thirteenth payment. In XX/XX/XXXX I made a payment at the beginning of the month, and I was in a automatic debit program with Ocwen. After the first payment in XXXX I noticed none of my payments were being withdrawn from my account and contacted Ocwen on XXXX XX/XX/XXXX to enquire why my payments were not being debited. Upon speaking to the representative he stated that the automatic debit system was down and stated that I could not make a payment until XX/XX/XXXX. In XXXX I made a mortgage payment and waited for Ocwen to request the back mortgage owed, I was afraid if I made the two payments they would just go to principle and I would still owe the 2 back payments. Around Spring of XXXX I received a call from Ocwen where the female representative stated that I qualified for help from a Maryland Agreement, and I was afraid they were foreclosing from my missing two payments, but after discussing reducing my principle the representative stated " Oh this is a VA mortgage, you don't qualify '' then she hung up. In the Fall of XXXX I received a letter asking me to opt into a review of my accounts with Ocwen, and I agreed hoping whatever happened in XXXX thru XXXX of XXXX would be revealed and I could find out what happened, I was afraid at this point they had just extended my mortgage 2 months. I recently called them after a year had passed and I never heard what happened to my mortgage review and now I know what they did, they cut off the automatic debit on XXXX XX/XX/XXXX and used my two years of biweekly payments to cover the two months the system was supposedly down so that I could accrue extra interest for those two years, and when I asked them why offer the biweekly payment plan if they weren't going to credit it to the account the representative said it was there so I could pay ahead on my mortgage ... .that is not how the product was sold to me. So to sum it up, they cut off debit, lied to me just to steal two years of principal off my account.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to express my deep dissatisfaction and frustration with the way my recent banking issue has been handled by your institution. On XX/XX/XXXX and XXXX of XXXX, I received two XXXX payments- one for {$350.00} and the other for {$650.00}. As per standard practice, I asked the sender for proof of deposit and an ID picture, which I promptly received. 

On XX/XX/XXXX, without any prior notice or explanation, a hold of {$1000.00} was placed on my account. After 5 days of constant calling, I was informed that my funds were under investigation for fraud, and I was not provided with any information about the person making the fraudulent claim. It was only after persistent follow-ups that I was able to find out the name of the person making the claim, and provided all the evidence required to prove my innocence. 

Despite providing all the necessary evidence, I was repeatedly told that it might take 7 days, then 15 days, and finally 45 business days to resolve the issue. On XX/XX/XXXX, I received a call from your fraud department, stating that my account was going to be debited for {$1000.00} due to fraudulent activity. I was shocked and dismayed, as I had already provided all the evidence requested by your institution. 

I explained to the fraud department about all the companies and bank accounts I have had with Bank of America for the past 18 years, and showed them all the evidence required. However, despite my efforts, they simply apologized and stated that there was nothing they could do. 

I find it extremely hard to believe that a claim made three months after the transaction, despite being verified with a code on my phone, could be deemed valid. I have trusted XXXX and Bank of America with my funds, and I am deeply disappointed that my account has been debited without any clear explanation or solution. 

I urge you to investigate this issue thoroughly and refund the {$1000.00} back into my account as soon as possible. I hope that you will take immediate action to rectify this situation, and ensure that your customers are not subjected to such unfair treatment in the future.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

A debt collector re-aging an account can cause serious damage to your credit files. Re-aging would allow a collection account to remain on your credit reports in-perpetuity. Take the following steps if you believe you are a victim of re-aging. 

I have Disputed this account many times and they just re-age the account. The date of first delinquency is wrong. XXXX refused to correct it, they told me to contact XXXX XXXX because they only place whatever information they are given on my Credit File, I advised her the account was re-aged and that it is illegal for them to report it being an open account XXXXXXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/2020 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX It is a criminal offence to re-age an account and I want this account removed from my Credit File Immediately they have never verified this Debt and are always stating the it was verified and accurate which is FRAUD.
Consumer complaint received 2024-02-27
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. (TX)

I am writing to express my dissatisfaction with the second attempt to correct the late open account associated with my account. As a valued customer, I expect timely and efficient resolution of any issues, especially those concerning financial matters. 

I first brought to your attention the discrepancies in my open account. Despite assurances that the matter would be promptly addressed, the issue persisted, leading to further inconvenience and frustration on my part. 

While I appreciate the efforts made by your team to rectify the situation, the fact that a second attempt was necessary raises concerns regarding the effectiveness of your internal processes and systems. It is imperative that such errors are not only corrected promptly but also prevented from recurring in the future. 

I urge you to conduct a thorough review of your procedures to identify the root cause of this discrepancies and implement appropriate measures to prevent similar occurrences. Additionally, I request compensation for the inconvenience and any adverse effects this situation may have had on my account. 

I trust that you will treat this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution at the earliest convenience. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX  XXXX Balance : {$22000.00}.
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Report act XXXX XXXX Account # XXXX, XXXX XXXX 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.
Consumer complaint received 2019-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. ()

I opened a checking account in XX/XX/XXXX XX/XX/XXXX called and requested account closure and cheque to be mailed to me in the amount of US {$1000.00}. XXXX advised a letter would be sent to me to be signed and returned then cheque would be mailed. 

XX/XX/XXXX - spoke to XXXX re my cheque as I have no record of receiving it but it shows online that the account is closed. He could not find any information about my account. He will have to check with Back Office. 

I have made a number of a calls - certainly more than 6 ; I had not kept notes on all but my last contact was XX/XX/XXXX. I had called on XX/XX/XXXX and again they could not find any info so could not verify me. I was told to go to a BMO in XXXX and have my ID notarised. I went in and spoke to a gentleman there by the name of XXXX XXXX. He told me they did not do nortarisation however he did call BMO Harris to try and help me. He got the same results I did - will have to check with Back Office because they dont have the information for my account. He left his information with them asking for a follow up and he promised to keep checking in for me. I assume he is having no better results than I am. 

XXXX from BMO Harris called me the next day ( XX/XX/XXXX ) to tell me they were still checking and that someone would call me EVERY DAY to update. I have not heard from her or anyone else since. 

I am frustrated with this process and tired of trying to get a plausible answer. On top of which this behaviour seems very suspicious especially coming from a bank. Closed accounts or records of any business do not not disappear from a system. Tired of the run around for my hard earned dollars. 

I can provide account opening letter, associated XXXX form, copy of deposits, statements, copy of debit card etc. 

Thank you.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have reached out to the Credit Bureaus over 30 days ago and I am yet to receive a response from them, these items ate inaccurate and I would like for them ti be removed
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have reached out to the Credit Bureaus over 30 days ago and I am yet to receive a response from them, these items ate inaccurate and I would like for them ti be removed
Consumer complaint received 2022-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

On XX/XX/2022 I called Caliber home loans regarding my escrow account. I spoke with a representative that told me that I would need to pay {$7700.00}, and then I could have my escrow account removed. She showed me where to get the form and explained to me once I reach 78 % and request to remove escrow it will be granted. 

I called and spoke with a representative today and was told that this was rejected. There was no real explanation other than to check my disclosure. I have checked my disclosure which I have attached along with the escrow removal form. 

Attached you will be able to review the disclosure, the escrow removal form, and see the check that I sent for the payment on a downloaded XXXX for the month of XXXX from my account.. 


Again, I just want to be treated fairly.
Consumer complaint received 2024-02-27
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. (OH)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX Balance : {$29000.00}
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AL)

FCRA requires accurate reporting. The account opened date is different on XXXX  and XXXX. The account shows a charged off amount and amount due. The payment history is inconsistently reported as well. The high credit amount is reported differently to both bureaus. Activity dates are also not reported consistently.
Consumer complaint received 2022-04-28
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. (CA)

THE CREDIT REPORTING AGENCIES ARE REPORTING ME LATE PAYMENTS IN AN ACCOUNT I HAVE OPEN WITH XXXX  Loan # XXXX when all my payments have been punctual to date, Due to that information that is in my credit reports, my creditors have lowered the credit limit on my cards, which is directly affecting my credit history. I contacted XXXX  and they state that the information that has been reported to the agencies credit has been positive and they have never reported a late payment since all payments have been made on time XX/XX/XXXX {$410.00} {$220.00} {$190.00} XXXX XXXX  XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$230.00} {$180.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$210.00} {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$200.00} {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$200.00} {$210.00} XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$410.00} {$190.00} {$220.00} XXXX XXXX XXXX XXXX.. XXXX XX/XX/XXXX {$410.00} {$190.00} {$220.00} XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$410.00} {$170.00} {$240.00} XXXX XXXX XXXX XXXX... XXXX
Consumer complaint received 2021-05-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (CA)

I applied for a loan 2 months ago. I was approved but when I went to sign the papers, they incorrectly said there was information on my credit report causing a problem. I submitted a up to date credit report showing them their error. I was told AGAIN that I was approved and the approval documents were on the way. That was TWO MONTHS AGO. Every time I call customer service it takes several minutes while they review the notes on my account of which there are many due to the multiple calls XXXX dates listed below ). 

They then state they need to discuss the matter with a credit analyst. I am then on hold for an extended period until they return and always state a computer glitch is delaying the documents and they will fix it immediately. 

I have spent many hours on the phone and always get this answer. I called XX/XX/XXXX, XXXX ( twice XXXX, XXXX, XXXX, XXXX ( twice ), XXXX, XX/XX/XXXX, XXXX ( twice XXXX, XXXX, XXXX, and XXXX with each call lasting around 15 minutes .... longer if I asked to speak to a supervisor. 

I am told every time that the loan is approved and the documents to sign will be sent shortly.
Consumer complaint received 2023-01-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-07-17
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. (NC)

I recently sent a dispute letter to XXXX Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXXXXXX : XXXX XXXX : XXXX
Consumer complaint received 2023-03-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: Self Financial Inc. (GA)

Lead Bank or self bank issued cds of which I had paid of approximately XXXX of these cds with this bank in the past but after paying off this cd they said they required Identification to verify that it was really me government requirement, so I complied I sent the ID and the ss card but the problem came with my bank accounts every time I downloaded these accounts they would not accept the formate I loaded them on so I had my administrative assistant do it on several formates then I called the bank and had them try and assist me which was never successful so then they gave me a email address to send it to, I thought this was successful this was what we were told at- the time. I had sucessfullly completed and payed these cds off in the past and feel like this is excessive they do not require this ID to take funds out of my account, THANK YOU FOR ASSISTING ME IN THIS MATTER, XXXX XXXX XXXX