davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My Daughter has a loan with XXXX XXXX and we pay the monthly payment. XXXX XXXX has put it on my credit report that we were late in XXXX and I am only a co-signer and should come into to play if there was a default. 

Also, we have been affected by XXXX XXXX and my husband passed away XX/XX/2023 which is the same month of the late payment reporting. 

I asked XXXX to please have compassion for the situation and they would not remove the late payment
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (LA)

In XX/XX/XXXX I signed up with global Client Solutions to pay down my debt. On XX/XX/XXXX they debited out {$690.00} from my checking account. Global Client Solutions continued to charge me {$690.00} in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on are approximately on the XXXX day of each month. Global Client Solutions promised to assist in paying down debt. As of today no debt was paid down by global Client Solutions. On XX/XX/XXXX I asked Global Client Solutions to close my account and refund me the money. Global Client Solutions sent me a check for {$1800.00}. I assume that the rest of the money is being held as fees. They did not pay down any of my debt and I believe they are fraudulent. Global client solutions claimed to have paid {$290.00} to XXXX credit card and assessed the rest in fees.
Consumer complaint received 2016-02-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (UT)

A check drawn on a local bank that I deposited on XXXX XXXX is being held until XXXX XXXX, even though with the advent of electronic banking checks are clear in one to two days according to the FDIC. Thus, the banking industry is " floating '' these collected funds while harming my credit or exposing me to overdraft fees.
Consumer complaint received 2024-03-21
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I had called as I was having a hard time using this card to pay online and I was told that XXXX does not allow the use of gift cards for payment. I received {$1200.00} in total AMEX gift cards as a gift to help me pay some bills as I was XXXX XXXX XXXXXXXX and had some bills that I was behind on. After calling AMEX I was told I could use the card anywhere AMEX was displayed. I tried in XXXX and it was declined. Now I has=ve XXXX worth of card that I can not use.
Consumer complaint received 2019-02-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

XX/XX/2019 Paid monthly payment of {$410.00} to One Main Financial. Charged {$400.00} Interest and Fees and {$7.00} principal.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (MA)

Experian They sent me a report and reposted Items they removed the XXXX XXXX bank account they do this over and over it takes me months to remove and they put it back on Please have items removed and not reposted over and over.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$100000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

Good afternoon : Experian erroneously has a " bankruptcy '' reported on my credit report. At no time have I EVER declared bankruptcy. I called the XXXX Bankruptcy XXXX of the XXXX XXXX and they affirmed that they have absolutely no record of a bankruptcy under my name or social security number. Please help me get this off of my record as I am unable to obtain the insurances necessary to purchase a home until this is remedied. Please advise how I should best proceed as the bureaus refuse to remove this mistake from my records despite my requests to do so. Should the bureaus not have to verify such an egregious error with the XXXX Bankruptcy Courts before they continue to disparage my reputation and credit score? 
Thank you, XXXX
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CO)

CFPB submitted Dispute # XXXX on my behalf, XXXX XXXX, 2016. 
The Dispute needed to be addressed by XX/XX/2016 to meet the FCRA dispute timeline requirements. 
It is now XXXX 2016. 
This is the SECOND instance of Experian failing to respond to Dispute Investigations, submitted by CFPB on my behalf, in a timely manner. 
The FCRA requires the accounts being disputed, to be deleted, if an investigation is not responded to in a timely manner.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

XXXX. I went to business/wellsfargo making a deposit on XXXX $ with a cashiers Check of {$900.00}. The monetary amount was stolen.i requested every bill that if XXXX and XXXX to tb returned and the tell be counted. When they decided to close my account and have disconnect the pin pad. 

View full complaint
Consumer complaint received 2017-04-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a victim of trans unions credit inquiry issue. I attempted to contac t Trans Union b ut the customer service representative failed to resolve the issue.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX XXXX of our customers contacted us asking if we changed our ACH information. We had not changed any information, and asked to have them send the email. It looked like it was from one of our Salesmen, but it was not from him. The PDF they attached had pieced together information, such as a chopped off letterhead and basic details such as names and phone numbers. The " new '' ACH information was to be sent to Chase Bank and had their account number. I decided to call Chase Bank to have this account flagged and hopefully shut down. 
The Chase Bank account is someone trying to commit wire fraud. 
I called Chase Bank and they told me that since I was not the owner of the account they could not provide any information, and that there was nothing they could do. 
They refused to give me any information, such as a name for the account and refused to even attempt to stop the fraudulent account. They did not even try sending the account to be reviewed. 
They are completely fine with allowing fraud and basically told us too bad for you we are going to allow this person to commit fraud.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NJ)

I contacted Experian directly and they claimed that they were unable to verify my identity based on what I provided. I only provided my date of birth, address, and social security number which are all accurate and correct. They directed me to use the government website and I was unable to request my report that way either because experian would not release it.
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC (CT)

I had lost all my finance my business my work abilities due to XXXX XXXX for the second time I had no gainful employment due to health reasons I no longer can work Ive contacted XXXX due to someone opening up a account in my name that person was living my identity paying the bill and not paying the bill Ive had sent XXXX a copy of my health chart proven I had XXXX XXXX it was stated that this account will be disputed it was never taking care of the bill was still being current with charges next thing I was emailed a XXXX from a collection agency MRS I have no ownership to this account I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists
Consumer complaint received 2024-02-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AL)

I received dental work. Was approved for a care credit card. Authorized a purchase for XXXX. However after leaving the office I was charged an additional XXXX that I did not agree with. CareCredit is not helping me get my money back. They basically told me XXXX on my own and should file a police report. I am paying interest on a charge I never authorized and XXXX XXXX refuses to give me a refund Or give me a receipt or proof that I authorized payment
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX, I stepped out to run my usual weekend errands. I went to XXXX  to purchase some items which I paid for with my debit card, {$84.00} total. Later that day, I went to XXXX to stock up on groceries where I changed my debit card {$190.00}. Shortly I left XXXX, I went to XXXX XXXX. My sole purpose for going was to redeem my points for merchandise. The total I had to pay was a service fee of {$1.00} which I paid cash. I remember I had my card at the XXXX XXXX  because when I pulled out the cash I saw the card. I carry this in a small pouch of my yoga pants so I can see how it slipped out or maybe even left on the counter where I paid. When you enter XXXX XXXX theres a counter where you check in and do express pickup. Thats exactly where I paid the service fee of {$1.00}. Immediately after I paid I went home not realizing I had dropped my debit card. The following day, XX/XX/XXXX I had to go run errands so I go looking for my debit card and realized I must have dropped it. I log into Chases website to check for suspicious activity. To my dismay I did find a charge to merchant XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV for {$190.00}. Made on XX/XX/XXXX. XXXX XXXX is in the same retail square as XXXX XXXX. I can see whomever found the card easily walking over to the XXXX XXXX to purchase {$190.00} of merchandise. When I discovered this, I immediately called Chase to file a fraudulent charge made with my debit card. The reversal posted to my account XX/XX/XXXX. On XX/XX/XXXX I realized Chase took back the temporary credit provided. I called Chase to verify why the temporary credit was removed. XX/XX/XXXX I spoke to a frauds claim specialist. I was informed the money was taken back because I had previous purchases from this store XXXX XXXX XXXX XXXX XXXX XXXX. This is very true. I am a smoker and visit this store from time to time. My last authorized purchases made at this store which is right around the corner from my apartment are as follows : XX/XX/XXXX {$4.00}, XX/XX/XXXX {$13.00}, XX/XX/XXXX {$30.00}. I can assure you I did not authorize the purchase of {$190.00} on XX/XX/XXXX. Since I filed the police report, Chase refuses to open the claim again even though I followed protocol and got a police report as I was instructed. According to a few representatives, I am liable for the charge because Ive shopped there before. That is not accurate. Chase should be able to pull surveillance to verify it wasnt me who charged the account.
Consumer complaint received 2024-02-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AL)

I received a credit hit XX/XX/XXXX from Hunter Warfield INC. I received a call from them XX/XX/XXXX with them claiming I owe my previous apartment complex XXXX XXXX. I told the representative I didnt owe them anything and that this was the first time I had been contacted about any debt since I moved out XX/XX/XXXX. I told the representative I was disputing the debt and that I was also in active XXXX  XXXX bankruptcy. I havent had any communication attempts towards me until I saw they hit my credit XX/XX/XXXX. I work for a bank doing collections compliance and am fully aware of the regulations they broke. First XXXX XXXX, who they claim I owe, didnt contact me once from XX/XX/XXXX until I received a call from Hunter Warfield in XXXX of XXXX. After I explained I was in XXXX  XXXX bankruptcy I recieved a credit hit. They have broken TCPA violations, FDCPA and hit my credit while in active bankruptcy while trying to collect a debt I don't owe. I want my credit hit removed as well as any and all debt they claim I owe. I know each TCPA, FDCPA and bankruptcy violations carry hefty monatary penalties. If these actions can not be met I will have to move forward with my attorney and subpoena all collection attempts by XXXX XXXX and Hunter Warfield
Consumer complaint received 2024-02-18
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I purchased an appliance package XX/XX/XXXX from XXXX XXXX XXXX. Total charge {$2500.00}. XXXX of the XXXX items were delivered- microwave, fridge, dishwasher. The stove was not delivered since it was on back order. I was unhappy with XXXX of the XXXX delivered appliances. I called XX/XX/XXXX to have XXXX of the XXXX delivered appliances- the microwave and fridge- returned. After spending a total of XXXX hours on the phone with both XXXX XXXX XXXX, where I ordered the appliances, and XXXX XXXX, who delivered the XXXX items, I spoke to a store XXXX and told them to cancel the order for the fourth undelivered item, the stove, since they could not provide an expected date of when the item would be in stock. The XXXX assured me the stove order {$670.00} was cancelled and would not be in my statement. The fridge and microwave were picked up the following Monday or Tuesday. That should have been a credit for {$1300.00} plus tax. The stove, since it was cancelled, was never delivered. The only appliance kept was the microwave {$460.00}. This cancelled stove has remained on my credit card. I disputed the charge XX/XX/XXXX to asynchrony bank. I did not receive a resolution. I instead got a credit card statement in XX/XX/XXXX that I owed XXXX for the stove. I called synchrony again XX/XX/XXXX. I again disputed the charge and the interest and late fees for a product that was cancelled and never delivered. I did not receive a resolution. XX/XX/XXXX I again receive a Lowes credit card statement that I owe {$930.00} for the stove, late charges, and interest. I called synchrony bank and disputed a third time XX/XX/XXXX. The matter remains unresolved. XXXX refuses to credit the cancelled undelivered item and continues to charge me late fees and interest.
Consumer complaint received 2024-02-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (CO)

I am in the process of selling my home, which was paid for with a VA loan. The loan was originated at XXXX XXXX XXXX. I accepted an offer on my home in XX/XX/XXXX from VA buyers intending to assume my loan. On XX/XX/XXXX, my loan was sold to Mr. Cooper. On XX/XX/XXXX, the buyers walked due to a complete lack of communication from Mr. Cooper about the status of the loan or the assumption process that we had been engaged in for nearly four months. I then listed the house for sale again and accepted a new offer on XX/XX/XXXX from VA buyers. On XX/XX/XXXX, we and the buyers emailed the Welcome Packet as instructed by the forms ( including the 3rd party authorization form, assuming party questionnaire, selling party questionnaire, and required identification like social security numbers ) to Mr. Cooper and XXXX XXXX XXXX  with all required information and documentation. It is my understanding that Mr. Cooper has 3 business days to send us a loan estimate and follow up with any additional requests for information in order to render a loan decision within 30 days. The first deadline has been missed and the second deadline is approaching quickly. 



We have not been able to reach a point of contact at Mr. Cooper. Mr. Cooper has disabled its online chat support function since XX/XX/XXXX. When we call customer service, it only loops through automated options with no option to talk to a human customer service representative. The automated options do not include anything about assumptions. The automated options only route us to XXXX XXXX XXXX, who refuse to speak to us as they no longer service the loan. They route us back to the same customer support line at Mr. Cooper. We have found 3 different email contacts at Mr. Cooper, XXXX, XXXX, and XXXX, and we have emailed each account with a summary of our transaction, requests for information, and status. We have not received a reply from any of these email addresses. 


We are extremely frustrated with the lack of communication from Mr. Cooper, which has led to us losing one buyer already and has stalled progress with our second buyer. We believe Mr. Cooper is not fulfilling its obligations to service VA loan assumptions granted as a right to U.S. veterans, evidenced by their lack of communication and tardiness in responding to the applications and materials we have sent to them.
Consumer complaint received 2020-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AL)

i was sent money on pay pal XXXXt+hey limited my account and wont let me/ transfer money out until 180 day in the amount of {$1200.00} on XXXX XXXX i have called several times to get funds released but they keep telling me the same thing
Consumer complaint received 2024-02-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION (CA)

XX/XX/XXXX the loan was purchased by the M & T Bank from XXXX XXXXXXXX XXXX 
XX/XX/XXXX the existing modification/repayment plan term was met with additional repayment plan amount. 
XX/XX/XXXX due to scheduling the approved repayment plan could not be honored online or by telephone due to system constraints and limitations and the regular payment amount was paid twice ( XXXX regular payment beginning and end of XXXX ). 
XX/XX/XXXX M & T Bank ejected the mortgage loan out of the repayment plan and preferred me to the state mortgage relief program. The modification request to the bank and the COVID-19 pandemic/hardship relief request to the state program were subsequently denied : by the bank for insufficient income and the other for ( allegedly, and erroneously calculated ) exceeding the XXXX XXXX XXXX 150 % XXXX XXXX 
XX/XX/XXXX no further payments ( partial or otherwise ) would be accepted. by M & T Bank. 
XX/XX/XXXX a modification request was submitted to M & T Bank and subsequently denied for not insufficient income for a modified loan. 
XX/XX/XXXX a state COVID-19/pandemic mortgage relief program denied ( XXXX times ) for allegedly exceeding XXXX ( which eventually became true ). 
XX/XX/XXXX, due to changes in circumstances that included increased income and reduced debt/debt consolidation and negotiation, another request was made to M & T Bank for a modification/repayment plan that was subsequently denied. The property was placed in active foreclosure to be later paused because of the VA moratorium. 
XX/XX/XXXX a request was made for a reinstatement quote. 
XX/XX/XXXX a reinstatement quote was received with a response by date of XX/XX/XXXX and no provision for negotiation/down payment and installments to repay the balance. 
XX/XX/XXXX M & T Bank phoned to check status of receipt and forecast for response indicating there was no authorization for the attorneys or bank representatives to negotiate terms of repayment and that another modification/repayment plan request would need to be initiated. Despite the VA moratorium , M & T Bank representative indicated the property would be placed back in active foreclosure should the entire unpaid balance remain unpaid and nothing less than the full balance could be received.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westlake Services, LLC (TX)

I financed a car through West lake Financial and they still have yet to report it to my credit. That was the whole reason to finance a car instead of paying cash. I am trying to improve my credit and having fair and accurate reporting is needed. I have held up every end of my terms of the contact i signed with them.