davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
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. (FL)

I contacted the credit bureau 's on XX/XX/2021 and XX/XX/2021 in regards to some accounts either placed on my account in error or as a result of identity theft it is XX/XX/2021 and the accounts continue to report on my credit report. I went to the police department and advised that I may be a victim of identity theft but the officer stated that I should write the creditor and request additional information in regards to the account however I have not received any response from the credit bureau or the the furnishers. I submitted an identity theft affidavit, identification, and proof of address with no response and the bureau 's have failed to respond so I sent a follow up letter on XX/XX/2021 in which I still haven't received a response. I have since spoken to an attorney who states if I hire them they feel confident that they can obtain the deletion and compensation for damages.
Consumer complaint received 2022-03-31
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. (NJ)

Timetable In XX/XX/XXXX Chase mailed us a new replacement credit card for our current one that would be expiring soon. Chase acknowledges there was no notification it was being sent to us via first class mail. 

We were unaware of the issuing of the replacement card until we received our Chase Credit Card Statement for the period XX/XX/XXXX to XX/XX/XXXX. 

On the above-mentioned statement, I saw multiple charges that I knew werent mine, as each of them occurred outside our area in XXXXXXXX XXXX ( See attached Chase statement ). It defies all logic as to why I would go to a faraway XXXX XXXX, for instance, ( among other fraudulent charges ) rather than to the locations near us, as I have done in the past. These locations include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite the distant locations, Chase was repeatedly insistent that these were valid transactions simply because the card was swiped, and they wouldnt acknowledge the fact that if we never received the card in the first place, someone else was swiping it elsewhere. 

Every fraudulent charge occurred after the mailing of this replacement for our original card. 

EVERY ONE OF THESE CHARGES occurred between the time Chase mailed this card ( which we never received ) and the time of receipt of the statement that reflected these charges. 

When I initially reported these fraudulent charges, I was asked by a Chase representative if I had ever received this card. I informed this representative that I had not. 

When I inquired if the replacement card had a new expiration date embedded in the chip, they did not have an answer. Each fraudulent charge was made with the new replacement card. 

I was issued a new card ( which we currently use ), which I activated on XX/XX/XXXX. 

Despite multiple phone calls the Chase Fraud Department, they refused to acknowledge that these claims were fraudulent. To quote their resolution : Our latest review confirms the previous finding that the transactions were valid. ( See attached correspondence from Chase Fraud Dept. ) Please note : in this correspondence they do not acknowledge : a. We never received the card that was swiped for these charges b. That the fraudulent charges all occurred since they mailed out the card to replace the soon to be expiring card c. That these locations are far away from us including XXXX XXXX around the country d. We were in XXXX at the time of these out of state expenses, as shown by other charges on the card.
Consumer complaint received 2019-11-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

My wife and I started to apply for a mortgage with our WELLS FARGO loan officer on XX/XX/2019 to buy a house.

Its been more than 45 days that we started the loan process with my wife and I with Wells Fargo.

We received a commitment letters on XX/XX/2019 We requested an appointment with our loan officer on XX/XX/XXXX to be sure to provide every single document requested by Wells Fargo.

We have submitted our last document on XX/XX/XXXX in the morning, which was a letter from our CPA, providing all the answers.

The same day, around XXXX XXXX, the Wells Fargo Loan Processor give us a call and let us a message on my voice mail saying that our loan has been approved.

Since XX/XX/XXXX, we requested several times through our loan officer some update with some promises, that the answer is going to arrive.

And still nothing.

So today, I am tired and angry by seeing nothing happening and I am stressed not being able to close after already postponing many times with the sellers.

We just want an answer from Wells Fargo after submitting a full and completed application on XX/XX/XXXX, we still haven't heard from Wells Fargo!

No letter, no email, nothing new from their app " loan tracker '' It's already been 2 weeks today!

I'm pretty sure, that if missed a payment from my mortgage, Wells Fargo wouldn't wait for 2 weeks before requesting the payment!
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

For 2 weeks now, I notice my credit score dropped 26 points with Equifax. I have no late payments with 100 % on time, no judgements, 11 % or credit utilization on revolving accounts, no derogatory marks, and no hard inquiries. No significant changes for a drop of 26 points. The only change that was indicated was a balance decrease on all accounts including XXXX XXXX XXXX XXXX XXXX, Mortgage with XXXX XXXX etc. All of these accounts have decrease in balances and should have increased my credit score. I contacted Equifax to inquire why. The agent told me that I had credit cards that I was not using and I needed to utilize at least 30 % of the cards to keep my credit score at XXXX 's or above. I told her that did not make since. If that's the case, why not inform consumers that using each card is the correct way to increase your score. I need help to rectify this matter because Equifax is not being honest with proper reasons to why consumers credit scores can change. I should not be using 30 % of credit cards at all, and no one should be telling consumers that you need to uses your credit cards to increase your score. My score has been between XXXX and XXXX for almost 3 years now and all of a sudden it has dropped significantly to XXXX without explanation.
Consumer complaint received 2019-11-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Purchased XXXX XXXX XXXX  XX/XX/XXXX using XXXX XXXX Upgrade Program which is underwritten by Citizen 's One Bank. Paid off loan associated with this XXXX in XX/XX/XXXX and traded in the device in XX/XX/XXXX. XXXX refunded a prorated amount of {$86.00} to my loan account for the remaining time left of XXXX extended warranty. Requested Citizen 's One to send this refunded balance to me via check or to my card on file and have yet to receive it. I've contacted the bank via phone XXXX on multiple occasions and they claim it is due to an overabundance of refunds being processed. I want my refund sent immediately, which is no different than the bank wanting to be paid promptly when my bill is due.
Consumer complaint received 2019-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IL)

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Convergent Outsourcing Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX, XXXX on behalf of XXXX XXXX. The letter claims I owe {$180.00}. 


In XX/XX/XXXX, I was the victim of identity fraud. I reported the fraud to the consumer reporting agencies and all the companies listed in my credit report with fraudulent accounts, including XXXX. I sent all the supporting information to XXXX, but they never responded. All the other companies determined that I was not responsible for the accounts and notified the consumer reporting agencies to remove the false accounts from my credit profile. 

I later started to receive calls about the debt from collectors on behalf of XXXX. I informed the collectors ( and XXXX again ) about the credit fraud. I thought the matter was resolved. 

And now I have received a letter from another collection agency on behalf of XXXX. I want them to update their records and stop trying to collect on this fraudulent account.
Consumer complaint received 2022-08-11
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. (IA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX MEDICAL Account Number : XXXX XXXX  CARD Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX CPS/XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2016-08-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (NY)

I recently have been using PayPal to pay for XXXX rides I made while in XXXX XXXX. I realized on Monday, XXXX XXXX, that I was using the incorrect bank account. I placed a call to PayPal explaining to them my error and providing them with the correct bank account ( which they already had on file as a secondary payment source ). I was assured by the agent I spoke with that the change was made and that my incorrect bank account would be removed from their records and no longer charged. 

I incurred NSF fees with my bank due to the first few transactions before XXXX XXXX that were my error. I took care of these charges with my bank and assumed I was in the clear. Since XX/XX/XXXX, when I was told this bank account was removed from PayPals records, I have been charged 19 more times and, thus, incurred 19 more NSF fees of {$37.00} each. I have been to my bank multiple times hoping to at least minimize the damage on my end and they are unable to close my account while it is in a negative balance and I 'm unwilling to pay {$700.00} because of PayPal 's error. 

Since XXXX XXXX I have spoke with upward of XXXX people from PayPal, many with a different explanation, each assuring me the bank account would be removed and not charged any more. As of this morning, XXXX XXXX, it is still being charged. 

From the very beginning I begged and pleaded to get something in writing from PayPal 's customer service department verifying this. I was n't able to receive an email from them until Wednesday, XXXX XXXX, assuring me that there would be no more charges but I spoke to customer service MULTIPLE times before then. 

I 'm able to provide all documentation supporting my case including screenshots of my bank account showing all of the charges along with NSF fees. I am looking to recover the {$700.00} in fees I have incurred so that I can pay my bank.
Consumer complaint received 2023-02-07
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. (NY)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX
Consumer complaint received 2015-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CT)

XXXX has been reporting incorrectly on my credit report. I have written them and the credit reporting companies numerous times with no result. This is an alleged debt from the original creditor XXXX. XXXX is reporting incorrectly to experian. They keep reaging the debt. this was an alleged debt from XX/XX/XXXX and XXXX continues to report on my credit report that this is a new account from XX/XX/XXXX. They are incorrectly extending the time to remain on my credit reports and the date of opening is wrong
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX ss # XXXX It has come to my attention that negative items are being reported on my credit to XXXX , TransUnion , XXXX , and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Consumer complaint received 2021-07-09
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: CORELOGIC INC (AZ)

This issue goes back to XXXX crisis - We have paid our mortgage and requested assistance from our mortgage company XXXX - Basics are in XXXX they told us they wouldn't help us unless we stopped making our mortgage payments. We stopped In XXXX they decided to foreclose - we were not willing to do that - we have many assets and decided to do a XXXX XXXX Bankruptcy. XX/XX/XXXX. We paid our mortgage and bankruptcy every month and was to be discharged XX/XX/XXXX. When the Trustee sent out the statement to creditors that they were discharging the bankruptcy there was a statement sent to us in XX/XX/XXXX that stated we owed an additional 3 months. 
With much back and forth conversation between our lawyers and XXXX XXXX, we paid what they stated we owed to be worked out later as to not upset our credit coming out of Bankruptcy. the Bankruptcy was discharged in XX/XX/XXXX. On one credit report it states Dispute resolved ; reported by grantor. But when I go into history it says 90 delinquent as of XX/XX/XXXX. 
We discovered this when we applied to refinance our mortgage which is over 7 % interest. 
We have been paying for 17 years and have about {$12000.00} equity in our home. We want to refinance with the low rates but run into roadblock with this on our credit report. 
I disputed it with XXXX and they stated that they stopped reporting when we went into bankruptcy and then when it was discharged we were behind. We had no account of this on our statements and was shocked to see the statement owing over {$12000.00}. 
I do have all the documentation from the 15 years statements, payments bankruptcy, discharge etc. 
I have provided this information to XXXX and have attached what seems to be the months in question, XXXX, XXXX, XXXX of XXXX and coming out of Bankruptcy with an amount due in statement of {$12000.00}. 
What is extremely curious about this is I have three XX/XX/XXXX statements. 
XXXX Dated XX/XX/XXXX due XX/XX/XXXX - {$2600.00} XXXX Dated XX/XX/XXXX due XX/XX/XXXX - {$5300.00} ( was paid in the grace period after statement ) XXXX Dated XX/XX/XXXX says Loan date XX/XX/XXXX due XX/XX/XXXX - {$12000.00} None of the statements for XXXX, XXXX, XXXX, XXXX or XXXX had a delinquent amount due. The amount in question was {$7600.00} supposedly that is 3 months but the math does not equal this amount. 
XXXX XXXX = {$7900.00} It is all very confusing to us. We then this year received a check from XXXX for an over payment. We have continued to pay on time the amount of {$2600.00}. then when they did there end of the year audit they sent us a check for {$2600.00} said it was over payment. 
We have multiple inquiries and conversations with XXXX ourselves as well as our attorney who deals with debt and bankruptcies all the time and has not ever encountered this level of difficulty in working with a mortgage company.
Consumer complaint received 2021-07-09
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: EQUIFAX, INC. (AZ)

This issue goes back to XXXX crisis - We have paid our mortgage and requested assistance from our mortgage company XXXX - Basics are in XXXX they told us they wouldn't help us unless we stopped making our mortgage payments. We stopped In XXXX they decided to foreclose - we were not willing to do that - we have many assets and decided to do a XXXX XXXX Bankruptcy. XX/XX/XXXX. We paid our mortgage and bankruptcy every month and was to be discharged XX/XX/XXXX. When the Trustee sent out the statement to creditors that they were discharging the bankruptcy there was a statement sent to us in XX/XX/XXXX that stated we owed an additional 3 months. 
With much back and forth conversation between our lawyers and XXXX XXXX, we paid what they stated we owed to be worked out later as to not upset our credit coming out of Bankruptcy. the Bankruptcy was discharged in XX/XX/XXXX. On one credit report it states Dispute resolved ; reported by grantor. But when I go into history it says 90 delinquent as of XX/XX/XXXX. 
We discovered this when we applied to refinance our mortgage which is over 7 % interest. 
We have been paying for XXXX  years and have about {$12000.00} equity in our home. We want to refinance with the low rates but run into roadblock with this on our credit report. 
I disputed it with XXXX  and they stated that they stopped reporting when we went into bankruptcy and then when it was discharged we were behind. We had no account of this on our statements and was shocked to see the statement owing over {$12000.00}. 
I do have all the documentation from the 15 years statements, payments bankruptcy, discharge etc. 
I have provided this information to XXXX and have attached what seems to be the months in question, XXXX, XXXX, XXXX of XXXX and coming out of Bankruptcy with an amount due in statement of {$12000.00}. 
What is extremely curious about this is I have XXXX XX/XX/XXXX statements. 
XXXX Dated XX/XX/XXXX due XX/XX/XXXX - {$2600.00} XXXX Dated XX/XX/XXXX due XX/XX/XXXX - {$5300.00} ( was paid in the grace period after statement ) XXXX Dated XX/XX/XXXX says Loan date XX/XX/XXXX due XX/XX/XXXX - {$12000.00} None of the statements for XXXX, XXXX, XXXX, XXXX or XXXX had a delinquent amount due. The amount in question was {$7600.00} supposedly that is 3 months but the math does not equal this amount. 
XXXX XXXX = {$7900.00} It is all very confusing to us. We then this year received a check from XXXX for an over payment. We have continued to pay on time the amount of {$2600.00}. then when they did there end of the year audit they sent us a check for {$2600.00} said it was over payment. 
We have multiple inquiries and conversations with XXXX ourselves as well as our attorney who deals with debt and bankruptcies all the time and has not ever encountered this level of difficulty in working with a mortgage company.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (MO)

I sold my XXXX XXXX XXXX to XXXX on XX/XX/XXXX, and they informed me that the check for the balance in full was received by Bridgecrest on XX/XX/XXXX. 

On XX/XX/XXXX, my car payment showed past due ( within 30 days ), so I called Bridgecrest for guidance on why the payoff had not yet been processed, and asked if I needed to make another payment. I was informed that the date on the check would be honored, but that if the payoff was not received by XX/XX/XXXX, that it would be reported as late, so I should make a regular payment prior to then to ensure no late payment would be reported to the credit bureau. I asked if the payoff would still be honored, and if I would get a refund for the additional payment, and the agent did not know, but said if there was an overpayment I would receive a refund. 

On XX/XX/XXXX, the payment was entered into the system as pending. 

On XX/XX/XXXX, the payment was processed and I received an email confirming that my account was paid in full, and that because of my impeccable payment history, they would love to finance another vehicle for me. 

Also on XX/XX/XXXX, I received another email stating my account was past due {$0.00} and that if I did not make a payment for {$0.00} by XX/XX/XXXX, a 30 day late would be reported to the credit bureaus. I called and spoke to an agent who informed me that the email was automated, and that if my account was paid in full, that it was sent in error. 

On XX/XX/XXXX, I received a refund from Bridgecrest in the amount of {$43.00} for the overpayment on my payoff, dated XX/XX/XXXX. 

On XX/XX/XXXX, I received an alert from XXXX  that Bridgecrest reported my account had been closed in a bad standing with a 30 day late. I called Bridgecrest to fix it, and they refused, saying that it was my fault and that I was properly informed that it was 31 days late when they posted the payoff. I was never informed that I needed to pay it prior to XX/XX/XXXX, as will show in the phone calls. I was only ever informed of XX/XX/XXXX, and was told that the payoff from XXXX would settle this if it was posted to my account prior to XX/XX/XXXX. I spoke with two different people in Escalated Customer Relations, and was told they would be doing nothing.