davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

I spoke with XXXX XXXX and they stated the dispute comments would be removed. I am not disputing this account. They sent an electronic request to you all to have the dispute comments removed. The confirmation # for this request is # XXXX.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$660.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$410.00} XXXX XXXX Balance : {$3600.00}
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc. (ID)

I applied for a mortgage refinance in XX/XX/2020 with a company called Better.com. At the time, Better.com partnered with XXXX XXXX to offer a {$2500.00} statement credit to anyone who applied through their special link and closed on a home loan or refinance. The terms of the offer stated that the statement credit would show up in the customer 's XXXX XXXX account 8-12 weeks after the loan closed. 

My home mortgage refinance closed on Saturday XX/XX/2020. I patiently waited for my the {$2500.00} statement credit that both companies promised to me but I did inquire several times as to the status of the credit, just to make sure things were on track. At each point in time I was assured I would receive my credit and that it was attached to my account. 

Almost 11 weeks after my refinance closed, I sent an email to Better.com ( on Friday XX/XX/2020 ). I received a response 3 days later, on Monday XX/XX/2020 stating that statement credit that was originally supposed to take 8-12 weeks to post would take another 1-2 weeks ( total of 12-13 weeks, which is after the promised timeframe of the offer  ). 

After waiting almost another 2 weeks, I again inquired by email with Better.com on Saturday XX/XX/2020 since it had now been 13 weeks since my refinance closed. I once again had to wait, this time for 2 days, for a response. The response I received today ( Monday  XX/XX/2020 ) from Better.com was that the credit would take an ADDITIONAL 1-2 weeks, therefore putting the timeframe in which I receive my credit at 14-15 weeks after my loan closed. I had also called XXXX XXXX and was told the same timeframe ( i.e. each company would not abide by the terms of their joint offer to consumers ). The original terms of the offer were 8-12 weeks. That means IF  everything is on time this time ( which hasn't been the case so far with these companies ) I will have ended up having to wait 3-7 weeks longer than the offer timeframe that I agreed to.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Macy 's via direct mail several times to verify the information reported. The first couple of responses they refused to look into any information, and recently I received a Cancellation of Debt 1099-C form from them in regards to the account. If there is no proof of the account, and they have admitted cancellation of the debt, the account needs to be removed from the credit reporting.
Consumer complaint received 2018-09-20
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. (CA)

Equifax has been non-compliant with removing the unverified account Bankruptcy : Discharged CHXXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy : Discharged CHXXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been locked out of my online account for two months I have been asking for help to regain access as part of the verification is XXXX digit card number which I did not have the representative said they sent a card out and it was never activated on there side because it was not received on a recent call again for the XXXX time I asked that someone help me access my account because I have reoccurring charges and one had for declined which prompted me to call again they said they would remove late fees because of this error and to wait for new card to come they would expedite it I received the card and activated today and called they told me a form was down and to write a letter when I know that will not resolve and then was hung up on three times when asking for a supervisor they recently marked my credit report late after they are removing those fees because I couldnt verify the account with the credit card and it has caused two of my other cards to reduce my limits as a result of this false report
Consumer complaint received 2023-07-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.
Consumer complaint received 2020-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

Medical bill was from workers compensation case. I have given company the information for the case and they refuse. I asked them to send me a bill then so I could submit it to the workers compensation company and again they refused. This company sounds like a huge scam that just wants you to send them money. I contacted the hospital where Credence states the bill is from and they have nothing.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

Since XX/XX/XXXX I have tried on numerous occasion to have this information removed from my credit report , XXXX XXXX office has reach out to XXXX XXXX to have the item removed on several occassions. I have an email that was sent to XXXX XXXX   requesting that the information be removed and I have a statement from the XXXX XXXX office to attest to the account is XXXX and a email that was sent on XX/XX/XXXX XXXX XXXX. I called XXXX XXXX to request XXXX XXXX n one there knows who he or she is which I don't believe. When asked if they could call the the doctors office I am told no they don do that.
Consumer complaint received 2019-11-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XX/XX/XXXX I initiated a payment in the amount of {$570.00} to Specialized Loan Servicing ( SLS ). The payment was sent electronically from XXXX to SLS. I pay the same way every month. 

I checked the SLS website to budget for my XX/XX/XXXX payment and it showed the payment was past due I contacted SLS on XX/XX/XXXX and spoke with XXXX, XXXX. He told me to email proof of payment to customer service and the ticket could not be resolved until XX/XX/XXXX. 

I contacted XXXX and they sent me proof of payment, with trace numbers and the date the money was cleared by the SLS XXXX XXXX - XX/XX/XXXX. 

I sent the XXXX letter with the details, proof of the {$570.00} deduction from my checking account to XXXX On XX/XX/XXXX I spoke with XXXX, XXXX, and he said they were having trouble posting payments. I asked for a supervisor and was transferred to a voicemail that could not accept messages. I faxed a letter with proof of payment to XXXX, the fax for disputes provided on the SLS website On XX/XX/XXXX I spoke with supervisor XXXX XXXX. He saw the proof of payment attached to my account records. He said he would forward to the cash correction department and flag my account not to report negative information to the credit bureau XX/XX/XXXX I sent another fax to XXXX with proof of payment XX/XX/XXXX I received another collection call. They wanted me to make another payment for XX/XX/XXXXand my XX/XX/XXXX payment. 

XX/XX/XXXX I sent a certified letter using the CFPB Error Resolution Notice under 12 C.F.R. XXXX to XXXX. XXXX XXXX XXXX, CO XXXX XX/XX/XXXX, I decided to make the XX/XX/XXXX payment again and the XX/XX/XXXX payment while the error resolution process continued. I paid {$1200.00} using the one-time payment link on their website, run by Official Payments. 

XX/XX/XXXX, none of the payments are posted to my account and they continue to charge late fees. The error resolution date of XX/XX/XXXX has passed.

I have paid the XX/XX/XXXX payment twice and the XX/XX/XXXX payment electronically, all with proof of payment from financial institutions. A total of {$1700.00}. I can not get anyone to acknowledge, respond or correct this issue. I continue to get collection calls.

May concern is if this continues it will lead to ruined credit and foreclosure. I need someone to contact a person who can review the proof of payment and apply the payments I have made
Consumer complaint received 2018-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (WA)

I have contacted the company on several times, requesting them to validate accounts that they are saying are mines. However, the company has sent me duplicates of billing statements in an event to validate the accounts. This is not proof that the debts are indeed mines. In order to resolve these accounts, I need the company to verify these accounts by providing a signed contract.
Consumer complaint received 2020-10-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (TX)

American Express has tried to sue me in court multiple times and all attempts were unsuccessful. They also contacted my family, business partners, and had debt collectors reach out to all of them. They even tried to get my family to pay the debt to them. Also, the debt was discharged and apparently sold to a debt collector yet they keep reporting my debt as delinquent even though it was sold over three years ago. They have made no attempts to reach out by mail or phone calls. 

This is pure harassment on their part by continuing to report me to a credit bureau when they no longer own the debt. They have had their time in court twice. The debt is no longer valid and they need to go off my report as the debt was discharged and this is a form of harassment on multiple fronts.
Consumer complaint received 2019-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX, an online bill pay was scheduled for my daughters XXXX. Unfortunately, the payment was sent to the wrong address. I contacted Bank of America, and changed the address & asked them to reissue another check. Sadly, the change was never updated and an additional check was issued to another wrong address. After communicating with the XXXX, two weeks later, the checks had still not arrived. Another check was issued, this time with the correct address, but it was expected to arrive a month after the payment due date. I requested another check be mailed using overnight service & a refund of a {$50.00} late fee was issued by the bank, since the XXXX was no longer patiently waiting for their payment. The check arrived the following day, so I thought my concerns with Bank of America were resolved. Unfortunately, a week later, my online bill pay account experienced some dramatic failures. I have alerts set up on my account, to be sent to the same email address that has been active on my account since I opened it 15 years ago. The alerts are for when money is transferred into my account & when my account is overdrawn. I did not receive any of those alerts to my email. This is the first time this has ever happened. I was charged {$70.00} for overdrawn items. After contacting Bank of America and speaking with two supervisors, they were only willing to refund one overdrawn fee, despite making false statements about the accuracy of my email address and the accuracy of the alerts set up on the accounts. They claimed that alerts that had been set up on my account for many years were not active, despite receiving one through my mobile app the morning of the dispute. Im concerned that the overall accuracy of my account has been compromised. There unwillingness to refund the charges, when obviously strange and unaccounted for discrepancies happened, is not only disappointing and upsetting, but the lack of accountability from Bank of America is shameful. I was charged late fees for discrepancies solely related to bank errors. They claim that since the bills were paid in full, with no late fees ( this time ) that they were not willing to issue any further refunds. I have been a customer for 15 years, never had any issues as dramatic and upsetting as this & the lack of customer support is disgusting. I hope my experience can be used as a learning tool for other customers. TAKE YOUR MONEY TO A DIFFERENT BANK!
Consumer complaint received 2019-11-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Aqua Finance, Inc. (IL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VT)

I have been trying hard to put in a little extra a month to my two remaining loans through Navient. The interest rates are the same, but one is around {$600.00} more ( {$2700.00} vs. {$3300.00} ), so I want to pay the extra to the one with the higher balance. Each time I make an online payment, I specify which loan I want the money to go to, and it always gets split between the two. The last time this happened, XX/XX/2019, I requested that they fix this. Two days later, they responded saying they would make the change but not for 7-10 business days. I just made another extra payment yesterday, XX/XX/2019, and the exact same thing happened ; the money ( {$44.00} ) was split between the two loans. 

I don't want to have to keep contacting them to fix a problem that shouldn't be happening in the first place. I feel like they continue to do this just to get a little extra interest money from me which I don't think is right.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

This is in reference to complaint # XXXX, which has previously been filed and closed on XX/XX/XXXX. However the issue is still unresolved. 

The comments below all relate directly to Capital One 's response to my complaint.

1 ) The letter does not provide the date the final payment is due before interest will be charged. Rather is only says XX/XX/XXXX. What is the actual day during the month of XXXX? 

2 ) When I spoke to representatives at Capital One they told me it was due XXXX, then they told me it was due XX/XX/XXXX. Now their letter says it is due in XX/XX/XXXX but does not provide a specific date. Why is it that each time Capital One responds to this question the date it is due gets shortened? 

3 ) A representative from Capital One called me in early XXXX and left a voice mail to call back. When I did I found I was calling they general customer service line. After holding for 10 minutes, then re-explaining why I was call, then being placed on hold, the representative finally came back on to the line and told me a letter was being mailed. Presumably the letter attached to their response. However I have NEVER actually received this letter.

4 ) On XX/XX/XXXX I received a call from another representative, this time from the " Executive Office '' wanting to discuss case # XXXX. I have called the number provided, XXXX, extension # XXXX, at least 5 times and left voice mail messages with my phone number. This person has never called me back. 

Capital One has still not resolved this complaint. In fact their responses only further confuse the matter. They simply prefer to give consumers the runaround. I am still expecting a resolution to this matter by them.
Consumer complaint received 2019-11-02
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. (NC)

XX/XX/XXXX, I purchased my home having a balloon account 80/20. Meaning, I have a first and second mortgage on my property. The first mortgage company is the XXXX XXXX XXXX and the second mortgage company is XXXX XXXX. Receiving my current credit report, there are a total of three mortgage accounts that are reflecting inaccurate information on my Equifax credit report. 

XXXX XXXX XXXX XXXX is reporting to Equifax two open mortgage accounts. THER IS ONLY ONE MORTGAGE ACCOUNT WITH THIS COMPANY. What is reporting is an account in the amount of {$48000.00} and another account in the amount of {$49000.00}. This type of error can hinder my creditability and place my debt ratio in a higher bracket. Again, I only have one mortgage account with XXXX XXXX. 

I contacted Equifax on XX/XX/XXXX via certified mail to inform them of the error. Aso, I have reached out to XXXX XXXX to rectify the issue. As of XX/XX/XXXX, the issue has yet to be corrected. Reporting inaccurate information on a consumer report can lead to further action to take place against reporting companies.
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc. (DC)

I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( XXXX XXXX, and Experian ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is hinderance in applying for new credit, housing, etc.
Consumer complaint received 2020-04-24
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: JPMORGAN CHASE & CO. (GA)

I have an amazon chase card. There was a fraudulent charge happened in XX/XX/2020. I reported the charge and they took care of it. But in the first week of XXXX that same charge was rebill to me. Ever since I have noticed that charged again, I have tried calling chase numerous times but I have been dragged from one department to another with no help what so ever. They told me to email the fraud department which I did last week since than I havent heard anything back from them. Customer service takes ages to come on phone and when they do they only say they cant do anything and they refer to fraud department. 
Fraud department dont do nothing about it no reply or nothing.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these inquiries, and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN. 
I am disputing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If your investigation reveals the inquiry is valid, I request that you provide me with your method of verification as well as the contact information of the source of this verification. 
I am allowing you 30 days to complete this investigation.