davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I am filing a complaint against Experian. On XX/XX/2020 Experian processed a dispute request that I sent certified mail. 
The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/2020. 

Source : Experian Date Submitted : XX/XX/2020 Estimated Resolution Date : XX/XX/2020 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX On XX/XX/2020, Experian reported that the disputed account had been updated. I reviewed the account and no information had been changed. The account is still reporting a fake open date that in fact has re-aged the account. The open date is reporting a dated more recent to reflect that the account is newer than it really is. They are reporting that the original balance on this account was {$1100.00} which is inaccurate. The account is reflecting that this is a term account for one month which inaccurate. I requested proof of this and was not provided any validation into all of these inaccuracies and false information reporting on my credit report. I also filed a dispute directly with XXXX XXXX XXXX. The letter was sent certified mail, return receipt. I have received confirmation that XXXX XXXX XXXX is in receipt of my validation letter. As of today, I have not received a response from XXXX XXXX XXXX. Experian is aware of all of the inaccuracies and they continue to report this account on my credit file. 

On XX/XX/2020 I re-disputed this account and specifically as Experian to VALIDATE the debt. They refused to validate the debt. Experian sent back a notification on XX/XX/2020 stating that that account was updated. The account is still reporting all of the inaccurate information that it had been previously reporting. 
The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/2020. 
Source : Experian Date Submitted : XX/XX/2020 Estimated Resolution Date : XX/XX/2020 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX On XX/XX/2020 I received this updated message from Experian. 
What happened? 
The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been updated. 
Source : Experian Date Submitted : XX/XX/2020 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX Experian is still reporting inaccurate information on my credit file. They are refusing to validate this date. They are also refusing to provide me with who/where they requested this information from. What process they used to validate or obtain this information.
Consumer complaint received 2021-10-19
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. (NY)

In the context of the COVID-19 situation, on Friday XX/XX/XXXX, XXXX XXXX cancelled my flight ticket to XXXX, XXXX. I bought my ticket via Citi Bank 's travel rewards program using a combination of credit and travel rewards points. For the past 1.5 years Citi and XXXX XXXX refused to refund my tickets that they cancelled. However, on XX/XX/XXXX, XXXX XXXX issued a statement that they would refund these cancelled tickets. If bought through a travel agent ( in my case Citi travel rewards ) I was informed to speak with Citi travel. I called Citi and they stated I should receive my refund within 2 months. They additionally sent me an email on XX/XX/XXXX stating my " Trip Id : XXXX is now eligible for a full refund. '' Since then I have called Citi travel and have repeatedly been hung up on, transferred and placed on indefinite hold over and over again. They have not issued my refund and refuse to provide an answer on why I am not receiving my refund.
Consumer complaint received 2021-10-12
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 — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2020-12-01
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 — Investigation took more than 30 days
Company: OPORTUN FINANCIAL CORPORATION (TX)

I sent documents to XXXX  ( Tracking ID : XXXX ) and XXXX ( Tracking ID : XXXX ) about a debt from Oportun XXXX that has been " dismissed with Prejudice '' in court case No. XXXX. They received my letter asking for removal that included a letter from the court on XX/XX/2020. I have asked them to remove this account from my credit profile but I have not received any response from them. I have also sent a letter and documents to Oportun ( Tracking ID : XXXX ) but no response either
Consumer complaint received 2020-12-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent documents to XXXX  XXXX XXXX ID : XXXX ) and Transunion ( Tracking ID : XXXX ) about a debt from XXXX XXXX that has been " dismissed with Prejudice '' in court case No. XXXX. They received my letter asking for removal that included a letter from the court on XX/XX/2020. I have asked them to remove this account from my credit profile but I have not received any response from them. I have also sent a letter and documents to XXXX ( Tracking ID : XXXX ) but no response either
Consumer complaint received 2020-12-01
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: EQUIFAX, INC. (NV)

These accounts listed are not my accounts. I am not sure who's they are. Please remove them. They also have different account numbers, and balances. I have provided my personal documents and note, I am not a credit repair company nor a mortgage company. Please remove this information from my credit report.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I have contacted Wellsfargo over 10 times and filed several complaint.Being a member for almost 7 years I got a personal loan with them in 2018. I have contacted them about several inaccuracies on my personal loan. Recently I made a second attempt to purchase my first home and due to the negligence on the banks end I once again lost my opportunity because of my credit score.My report has been inaccurate for more than a year and I have never not made a payment .One of the payments is showing inaccurate but I reached out to the bank and advised that I was unable to make one due to inaccuracies with there online portal. I was told by several representatives and there executive office that I have nothing to worry about because no fees or negative impacts will affect me because it's an error on the banks end due to a system issue.Months later my credit report shows not only that I made a late payment but that I have a balance. My credit has dropped significantly due to this error and all I have received is empty promises.I will be making my third attempt soon to buy my home and I hope that the bank can correct this error.This has been no fault of my own .I would like all inaccuracies remove from my credit immediately.
Consumer complaint received 2020-12-01
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: General Motors Financial Company, Inc. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, 2019, GM FINANCIAL add a hard inquiriy on my credit report per XXXX. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I tried to settle this debt. I had a house fire in XXXX the same year. They refused to accept the offer. This was with Capital One before collections. Then they closed it out, and it was listed as a charge-off I believe. Then, I started getting calling early morning before XXXX XXXX  and even night after XXXX and " All '' throughout the day by the collection agency about taking my property. I was having my house rebuilt, having problems with the contractors during this same time. So, I couldn't handle the stress. I have a brain injuries which caused me to be determined XXXX following a car accident. I was in a XXXX, required round the clock care for several years as well. Because, I was thinking about XXXX  myself because everything was so crazy, I went to see a XXXX. After which, I retained an XXXX XXXX in XXXX Michigan to handle and make arrangements. The arrangement was XXXX dollars each month. I missed 1 or 2 payments, but i contacted the collection agency prior to that I was having problems with payments. My house isn't finished yet, so I had to rent an apartment. I just moved into my home since the fire in middle of XX/XX/XXXX. I informed all parties of my situation. The collection company sent me a certified letter on XXXX at my P.O. Box that the collection agency placed a lien on the property. I never, received the notice that they were going into court to place a lien on the property. Dated XX/XX/XXXX. On the court filing document It had my name and P.O. Box which I've had for years address. Yet, they certified me a copy of the lien, but FAILED to sent me a certified copy of the court filing. When I called them they said they couldn't talk to me only my attorney. The debt was for XXXX in the beginning or a little less. Now it's over XXXX. Finally we ar in a PANDEMIC every business, courts, daily routine life was interrupted due to the virus. I believe they intentionally didn't send me a notice, because they knew courts were closed to the public. Courts are still closed to the public currently due to the rise in deaths, and the Governor of Michigan closed Michigan back down for 3 weeks, almost XX/XX/XXXX, it might get lifted. They filed this in XXXX there was no reason good cause that ( I ) didn't receive notice. They had my address it's on the filing form. I would've addressed if I had been properly notified.
Consumer complaint received 2020-12-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

We received a XXXX principal curtailment credit on XXXX XXXX.We requested this credit to be reversed and applied to mortgage arrears due to covid expenses and finances at the moment. In our complaintXXXX lenders letter dated XXXX XXXX reversed our principal in XX/XX/XXXXas letter stated. We are requesting the same for this XXXX earned principal curlailment since lender already set precedent.
Consumer complaint received 2020-12-01
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: Experian Information Solutions Inc. (SC)

I was a victim of identity theft. I have submitted numerous affidavit info along with everything needed and yet they keep ignoring or not reading the information. XXXX  took care of everything immediately and for some reason XXXX  thinks they have a different set of legal guidelines apparently
Consumer complaint received 2021-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I was scammed XX/XX/XXXX of 2021 in an attempt to purchase an item online. I was told to use Zelle with my bank account to the tune of {$1700.00}. Once i sent the money the individual told me that he was unable to send the item that day. the next day he told me that i owed additional money to which i requested my money back. He declined and i reported it to my bank and they declined to refund me since Zelle is for transactions between people you know. I contacted Zelle who denied they had any information to give and told me i would need a search warrant for any further information. I reported it to the police and they opened up an investigation and i have not heard back after i requested a search warrant for the information needed to file in small claims court.
Consumer complaint received 2020-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

TransUnion is a mess. I placed a dispute on XX/XX/2020 and received notification from TransUnion this a.m., XX/XX/2020, that the results were in and to log into account to receive them. The results can not be accessed online due to a glitch in the system, and was informed to call the web tech for assistance. The person I spoke with on the phone did not speak clear English and was only able to pull up an old credit report where I still could not see the results of my disputes. There are two disputes, and I do not ever remember getting a notice that the  first dispute back in XX/XX/2020 was complete. The company is in dire need of oversight.
Consumer complaint received 2020-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I found 2 dogs online that I wanted to buy from a person and spoke with her over the course of a few days. Once everything was settled and agreed upon ( {$500.00} each plus shipping of {$180.00} ) she said she was going to ship the dog to me as I live in Texas and she was in Georgia. I asked how that process worked as Im not comfortable with shipping animals and even though its a long drive I would prefer that. She said that the dogs are always shipped with vets that handle their care until I get them and they are never unattended. So I begrudgingly agree. When she takes the dogs to the shipment vet company she sends me an update stating they will be contacting me for a {$1000.00} deposit to rent a crate for transport that is standard and I will get it back once theyre delivered. Halfway through the shipment I get a call from the company stating that they need  insurance papers documenting the orders of transfer/transport and its {$2000.00} to get those papers but it will be refunded once the delivery is confirmed. I didnt accept this one lightly. I argued with them over that but they convincingly made it seem insistent so I did it. I was at work and unable to really focus on the gravity of the how much this screamed scam as I was distracted trying to get end of the day work  completed while also dealing with this nonsense. Afterward they say that the office is closed but theyll get the papers the next morning first thing. As that is taking place I ask what airline they are using as well as flight number and their response was that it was a private plane. The next day I realize how much of a scam Ive been taken for and I call my bank to file a claim. I get another notice as Im talking with my  bank that they are held up in XXXX and need another {$2500.00} for something else and I said that I was on to them and they werent Getting another ounce from me. They threatened animal abuse and neglect charges to scare me into another payment and I said that it contradicted what they said before and how so much of what theyve said has been contradictory. My bank has done nothing to help me and Im out {$4100.00} Im just now finding out that XXXX has no buyer protection - I thought it was like XXXX but since it was backed with my bank it would be safer. Now I feel scammed not just by this XXXX but also my bank. I Have a substantial amount of emails that are too large to attach but can be sent at any time.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (TX)

Started in XXXX, tried to make a payment they had it preset to pay the full amount. So i had to cancel with bank. It made me late in which i called monday to make an immediate payment. I paid it then the following month it showed a late charge, i chatted with someon who said they would fix it, however the following month i had another charge. I then spoke with discover executives who had me speak to a young man in which i had the email showing my bill from discover was only XXXX He would never respond and noone called me back. I then made a complaint with XXXX 2 times, i have since paid another XXXX only to be told i have another late fee. I tried calling XXXX XXXX but she NEVER returns my calls. But they keep sending me late fees.
Consumer complaint received 2021-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (OK)

XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2021 Multiple contacts with CMRE and supervisor XXXX XXXX XXXX to immediately cease all collection activity as FTC Identity theft Affidavit and multiple police reports provided. 
XXXX XXXX XXXX XXXX XXXX XXXX indicated he would contact XXXX  and XXXX  to delete the fraud account, and sent a deletion letter to me via email. 


Numerous conversations with XXXX  : representatives XXXX XXXX and XXXX, 2021 indicating that CMRE has not sent Deletion letter on the above referenced account, nor have they sent via E Oscar the proper coding for deletion of this Fraud Account.
Consumer complaint received 2017-12-14
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. (FL)

I called XXXX XXXX Credit Bureau because I had problem with their dispute online site. They told me they had corrected the area several weeks ago. 
I tried again today and it was n't fixed. I could not use the online site. I called customer relations. They transferred me to specialied consumer service offline. They transferred me to online customer service. 
They gave me an error code # XXXX and transferred me back to the offline customer service to do identity verification and merge my accounts because O was told I had multiple accounts. 
I asked how could I have multiples they could not answer that. 
They suggest I dispute live on the telephone and I got disconnected or maybe the rep. hungup the telephone I do n't know. 
I have duplicate accounts reporting information that 's not correct. 
I have accounts 7 years old that they wo n't remove, saying they are n't negative. I said the law say have removed. 
The issues is with Equifax and XXXX Credit Bureaus. All three reporting account information of same account in multiples. They are reporting incorrect balances. Reporting over the time for reporting.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION (MI)

On XX/XX/2021 I filed a complaint regarding a charge card I have from Navy Federal that has reached its limit & Im no longer able to use it for purchasing good, labor or service on credit. I applied for a limit increase, received no response. 
On XX/XX/2021 I received an email from the CFPB stating that the company was still working on the issue. 
After no response since then, I sent this corporation a cease and desist which they received on XX/XX/2021 stating I refuse to pay this alleged debt on the account and as a consumer, invoking my specified remedy.
Consumer complaint received 2020-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (WI)

XXXX/Comenity Bank failed to give me proper validation of this debt. 

I mailed XXXX/Comenity Bank a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-12
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. (AR)

1.this account is 7 years old its time to remove it 2.they are reporting as ( ok ) on XXXX and the last date they reported it was on XX/XX/XXXX 3. On Experian they did not report since XXXX 4. XXXX they are not reporting at all 5. XXXX says the last payment was on XX/XX/XXXX 6.Experian says last date of payment is XX/XX/XXXX 7. XXXX says the last payment was on XX/XX/XXXX 8. All 3 have different comment on that section This needs to be removed due to fcra Al due to date inaccuracies
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (WI)

I do not know the exact date I purchased the card. Only that it was prepaid and at XXXX before XXXX for my XXXX meal. Upon trying to activate the card, I am told I am intelligible and that they can reopen a previous netspend account, and send a check to that address. I am no longer at the address for a previous netspend account, nor can I prove the address where I am. I am XXXX. Living in my car. This isn't the first issue with netspend. XXXX pay also stole XXXX dollars they wouldn't return back of this. This is a {$100.00} dollar transaction, and being homeless, I need the money to survive, and was assured I would have no issues as I was prepaying for card.