davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
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. (VA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (CA)

On XX/XX/2020 I pre-ordered a bike from XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and pain in full {$870.00} and was told the bike would be ordered and shipped to my house within a week. Fast forward and XXXX hits hard and through many emails I was told they did not have the bike nor did they have an estimated time of arrival or even a tracking number. I contacted them many times to get updates and was never given any information. Come XXXX XXXX i received an email from XXXX stating they were cancelling my order and I would not be getting my bike ... that I already paid in full for. They advised me to go through my bank XXXX Chime XXXX to have them do a charge back so I did that same day. Chime told me to fill out a " Customer Statement of Disputed Transaction '' form and I did, faxed and mail it to them. They responded saying it would take XXXX days to come up with a decision. 90 days later early XXXX I received an email stating they were not giving me my refund. I don't understand how these company 's can not refund me my money. I paid for something and never got my bike. This is stealing and fraud. I just want my money back. I have all emails saved as evidence. Chime or XXXX needs to refund me my money. I have been very patient and understanding given the current situation with COVID and now this is getting out of hand please I just want my money back.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (KY)

I applied for the XXXX Visa Card from Barclays Bank and was approved in XX/XX/2019. On XX/XX/2019, I was informed via email there was a change in terms to the rewards structure. This change occurred so quickly that I feel like the advertised card and benefits that were marketed to me to entice me to apply were misleading and deceptive because the company significantly changed the reward structure immediately on me. This is unfair because I closed another account when opening this new card which impacts my personal credit via the credit inquiry and the decision to close another long standing account based on the advertised rewards Barclays offered. Barclays at the very least should grandfather existing account holders. I contacted Barclays regarding my complaint but no resolution was offered.
Consumer complaint received 2023-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As of XX/XX/XXXX the Creditor agreed to remove the account once initial dispute process began, and the company refuse to remove any late payments or account but this account was paid in full and was said to be removed immediately upon payment and has yet to do so to remove from all three credit bureaus
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (GA)

EXPERIAN is reporting incorrect and inaccurate information. The IRS clearly defines a charge-off as Gross or Ordinary income ; Publication 4681. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes the reporting of this account inaccurate and the reporting of this account as a debt, is inaccurate. 
See attached.
Consumer complaint received 2022-01-07
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. (FL)

My name is XXXX XXXX and I am filing this complaint for myself no third party is involved. I have been going back and forth with Transunion, XXXX, XXXX and XXXX XXXX about this billing error. I have attached one of my previous letters for each bureau and a screen shot that clearly shows me being late in XXXX on Transunion and XXXX on XXXX it also shows me being late in XXXX on Transunion and XXXX on XXXX. The only reason I cant show you that XXXX also has different late payments is because I have a separate complaint with them for mixing my file I was never late thats why this is wrong its a billing error and none of the credit bureaus or this company will correct it. Im sending this through CFPB portal so that my next step can be to file litigation
Consumer complaint received 2020-09-22
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. (OH)

I keep getting notified when you people need to pay attention. It was XXXX  and Equifax that is not paying attention. 
you need to send this complaint to both credit bureaus. do not keep telling me that you can only send a complaint to only 1 company when its the all 3 credit bureau companies that is listing this inaccurate impact so called company that is trying to scam me out of {$180.00} info on my credit reports. If I need to I will file this report 3 separate times to give you unprofessional people three times the mass work to follow up on. I have no issue with doing this. just get this matter solved asap. I sick of all of  these scams. including yours! here is the damm number do your jobs PLEASE! 

Complaint number that you sent me to follow up on XXXX
Consumer complaint received 2022-04-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

Starting XX/XX/XXXX, I had sent out letters towards EXPERIAN to dispute the inaccuracies on my credit report for bankruptcy regarding this account : XXXX XXXX XXXX XXXX XXXX. I received a letter regarding investigation on these inaccuracies on my report, but pursuant to 15 USC 1681a ( c ) it states that investigation on a consumer reports entails that you obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. No such investigation was done in this matter. I received a letter as of XX/XX/XXXX and an email on XX/XX/XXXX, stating they have completed the investigation and I did not receive any documentation proving the inaccuracy on my report. I have demanded that I receive documentation from the creditors indicating the inaccuracy regarding this bankruptcy. Pursuant to 15 USC 1681a ( 2 ) ( b ) I demand that you remove the inaccuracy from my report. I express my right to demand EXPERIAN disclose all documents they recorded and retained in my consumers file at the time of request concerning this alleged bankruptcy EXPERIAN is reporting on my credit file. EXPERIAN can not just reply in writing stating that EXPERIAN has verified alleged bankruptcy on my credit file without supporting full disclosure documents of how EXPERIAN has verified alleged bankruptcy. Ive also included documentation from the ARKANSAS Court system saying they do no report to third agencies. By publishing these inaccurate and unverified items on my credit report and distributing them, you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed because EXPERIAN was unable to provided necessary documentation.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For months I havent been able to get my credit report or score dispute any information thru transunion for years and I have tried to resolve the issue directly with the company to no avail nothing has happened this is a big inconvenience to me being a consumer not being able to access my credit report, when I login into transunion to view report it gives a error message saying your report isnt available online at this time please call this has been going on for years
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Experian is still continuously violating my rights under the FCRA. XX/XX/2020 I sent a request according to section 611 of the FCRA giving my right to see the procedural proof of how these accounts came to be on my report even after dispute. Under my rights I had 15 days after my request to receive this information. As of today I have yet to receive any proof. The law states if the credit furnisher fails to provide this information and timely, the credit furnisher has to remove the information being disputed. 

Experian closed another dispute this morning failing to remove any accounts and further stands by the fact that the information has been verified again without providing any proof. Your organization is set up to help consumers fight in these instances when rights have been violated. Yet you continuously allow credit bureaus to break the law. I have consulted with a Consumer protection attorney here and hopefully we can just take this matter to the courts. I have enough proof that Experian is violating the law knowingly and willingly and CFPB is allowing. I will seek damages and all allowed for my credit worthiness having to take a hit due to negligence by Experian and all involved with allowing these violations.
Consumer complaint received 2020-07-24
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. (OH)

In XXXX I got a XXXX XXXX credit card XXXX credit limit XXXX. ) In XXXX I became ill and my daughter moved me from XXXX, Oh to XXXX, Oh at which time the hardship kept me from paying my debt. XXXX XXXX sent it to collection ( I am XXXX and on social security ) They say I owe {$2900.00} and I get late payment reports to the credit bureaus. I called the collection agency and they said they would close the account due to hardship. But it still goes on and on reporting me late to the credit bureaus.
Consumer complaint received 2020-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NY)

The monthly payment due is miscalculated to be {$3000.00}. 
The correct monthly payment due is {$2900.00}. 
Escrow account has been closed. Escrow Closing Notice attached. 
The correct minimum monthly payment is arrived by adding the line items for principal ( {$770.00} ) and interest ( {$2100.00} ) from the latest monthly statement received. XX/XX/20 statement attached.

Tried to resolve the wrong monthly payment with loanDepot on 2 instances. Message acknowledgement on XX/XX/2020 ( attached ) and Live Chat on XX/XX/2020 ( attached ).

Still no resolution. See attached XX/XX/2020 Payment Screen.
Consumer complaint received 2022-04-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

Dear Sir/Madam, In XX/XX/2021 my check for {$1000.00} sent to PA XXXX XXXX was fraudulently cashed in Wells Fargo XXXX 
Since XXXX of 2021 my XXXX bank can not get any response from Wells Fargo, and is getting back to me with the same info : Wells Fargo did not respond yet. 
My XXXX claim number is XXXX. 

Thank you.
Consumer complaint received 2024-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc. (CA)

My name is XXXX XXXX and I recently obtained a copy of my credit report and I see that I have an account XXXX  on my credit report but I am not really sure what it is about. If you don't mind please send me validaUon of the debt you have listed on my consumer report. Due to my current living situaUon, it would be most convenient for me to receive communicaUon via email. Therefore, I kindly request that you email the validaUon of debt to the following email address : XXXX.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I BEING VICTIM OF A RACISM ACTION BY MAKING A MISTAKE IN ORDER TO PRESENT DENIAL ASSUMPTION History Starts few Years ago when Assumption Application was sent several times and being Ignored, not even a letter return Bayviewloan for us Until I contacted CFPB thats when Bayviewloan contacted me with false excuse saying they never received any document.

NOW, here With the Assumption that was Denied after years of being Ignored until I bug everyone from Bayviewloan, CFPB, ( Consumer Financial Protection Bureau ).

Now all documents sent every time Bayviewloan Servicing asked for something different, we provided anything they asked for and obviously every time a document was sent, we received answer after weeks, I think to make it longer or make us to desperate and stop dealing with us XXXX with bad XXXX, The final decision for Denied the Assumption Bayviewloan Servicing said is because is being the loan is currently past due greater than 30 days??? 
IT IS FALSE AND MADE MISTAKE ON PURPOSE TO DO THAT AGAINST XXXX CUSTOMERS. 
I Paid Balance that was behind on : XX/XX/XXXX Bayviewloan Representative gave me Confirmation # XXXX Denial Letter Received XX/XX/XXXX XXXX XXXX @ XXXX when I tried o make the regular payment, I was told by XXXX, Employee XXXX that previous payment I made on XX/XX/XXXX, wasnt received and took by the representative properly, than he gave me the right amount and MADE NOTES ABOUT BANK REP MISTAKE, HE then took the payment missing by mistake and gave me the confirmation # XXXX I hope you can fix that mistake or the problem that Caused to me in case that this is not just a purpose mistake and I being victim of racism. 
Since than I being Ignore as well. 
*I being e-mailing since than 2 times per week. 
*Sent letters to all the Bayviewloan Servicing addresses I found. 
I being Ignored Since they knew their mistake of REFUSING MY PAYMENT AND getting other different amount then what I wanted to pay = balance. 

being sending e-mails as well to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX answer. 

On XX/XX/XXXX @ XXXX I was able to Speak with : XXXX, Employee XXXX HE made notes about the mistake made previously when Other EMployee Representative from BAyviewloan SErvicing Didn't get my Payment correctly, XXXX then gave me a different REference number and corrected the mistake as well.
Consumer complaint received 2020-05-20
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. (UT)

I purchased hotel lodging through XXXX. 

The email I received from XXXX DOES allow me to change or cancel my booking, at a price. 

I COULD NOT REACH THEM. You ( Citi ) admitted you still can not reach them. 

Please see below for an excerpt of the email I received which I am happy to provide in total : Cancellation Policy Double ( 2 Double Beds ) Superior Lake View If you change or cancel your booking between XX/XX/2020 XXXX XXXX and XX/XX/2020 XXXX XXXX, you will be charged a fee of US {$750.00}
Consumer complaint received 2017-09-27
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. (IL)

I have disputed and requested to have an item from the U.S. Bankruptcy Court removed from my credit report with the 3 CRAs ', most recently this month with XXXX, and have received notice from each that the item was verified, is correct and can not be removed.
Consumer complaint received 2020-11-21
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 uploaded a letter to Experian, XXXX  and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. Experian, XXXX  or XXXX  doesn't have any files to verify this account, nor will they delete it.
Consumer complaint received 2019-10-30
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)

I HAVE FILED WITH THE FTC,,,, I WRITTEN ALL 3 BUREAUS,,, I HAVE WRITTEN THIS CREDITOR ...
Consumer complaint received 2018-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION (GA)

Recently while defrosting my credit to apply for loan for a land loan my credit was breached by someone opening a checking account and depositing XXXX in my account XX/XX/XXXX which was done with my address and social security number with PENFED CREDIT UNION. This was not me. 

Thank you for help and assistance to secure and protect me as a consumer.
Consumer complaint received 2020-04-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (NV)

As a result of COVID-19 all of the GSEs have been authorized by the federal government, via the loan servicers, to provide up to up to 12 months of forbearance on GSE backed mortgage loans. All of the GSEs have made public pronouncements of the same. 

However, my lender/servicer - Quicken Loans, like many other servicers, is not complying with this mandate. 

They have offered 3 months initial forbearance after which I can apply for 'an extension '. BUT HERE IS THE CATCH ... at the end of the 3 months I have to pay all the outstanding payments in full before I can apply for an extension!!! I NO LONGER HAVE A JOB!!! 

When I hesitated at this I was advised by Quicken Loans that I could ask for a modification at the end of the 3 months if I couldn't come up with all of the back payments. But they would not be able to guarantee that I would get the modification or provide me with what those terms would be. My response was there was no way I would be able to come up with that money nor could I afford to have my payments modified by increasing my payment to make up for the forbearance payments. I would need the payments added to the end of my loan per the GSEs communications on this subject. They advised there was no way of them being able to guarantee that.
Consumer complaint received 2019-10-30
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. (TX)

I HAVE FILED WITH THE FTC,,,, I WRITTEN ALL 3 BUREAUS,,, I HAVE WRITTEN THIS CREDITOR ...
Consumer complaint received 2021-09-15
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. (MA)

Credit reporting agencies have turned into advertising agencies and are listening the retailers they serve and not the consumers. They have far to much power and abuse it. It is time our Congress reigned them in. 
Stupid me bought a XXXX thru a contractor at XXXX and realized when I arrived home and read the email it was not what was represented to me. I immediately called and cancelled all concerned. All set right? NO! Months later found my very good credit score took a 110 point dive in all three credit reporting companies. Found they did no investigation. I then called and asked it to be investigated. They chose to believe the the retailer and denied any correction. 

COMPANIES INVOLVED All three credit reporting companies and original Retailer called XXXX XXXX, XXXX XXXX XXXX, XXXX, Equifax, XXXX.