davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
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)

XXXX : Has incorrect information on my Credit Report that needs corrected ASAP. They have my balance {$67000.00} as of today XX/XX/2022, Payments {$520.00}, Total Accounts 22, Inquiries 15, Credit Utilization 100 % with a credit score of XXXX. 

EQUIFAX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments {$480.00}, Total Accounts 6, Inquiries 5, Credit Utilization 68 % with a credit score of XXXX XXXX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments ( DOES NOT SHOW ), Total Accounts 6, Inquiries 4, Credit Utilization 77 % with a credit score of XXXX. 

As a XXXX XXXX  Veteran, I am highly disappointed at this mess. Is this what we as consumers have to deal with? This is a very serious matter here about how dysfunction these credit Bureaus are. I served in XXXX XXXX  XXXX and could have never been this dis-organized, or my men would have perished. I put my trust in these bureaus to update speedily in a timely matter and I get junk .... THIS IS UNSAT!!!!!!!!!!!!
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST GUARANTY MORTGAGE CORP (TX)

To who it may concern, Loan officer pulled credit report from all three credit breaus. The simple fact is it happened without my acknowledge and I made it clear from beginning I do n't want the credit report pulled. I made it very clear from the beginning of my conversation that I do not want to pull my credit before I am ready to do the refinance with the loan officer. I expressed it in writing by text message ( see attached screenshot ). 

I have contacted loan officer 's branch manger and he refuse to resolve the issue. 

Thanks for assisting with this matter and I look forward to hearing from you soon.
Consumer complaint received 2024-05-06
Product: Credit 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. (PA)

Booked a hotel and tried to cancel with XXXX they told me it was booked through a third party. When we tried to cancel XX/XX/XXXX with the number they gave me it did not connect to anyone so i called my citibank XXXX XXXX to dispute the charge representative never filed the dispute when i didnt see a credit to my account i called back XXXX days later and filed dispute again. I am now told there is conflicting information between me and merchant I need to contact the merchant i never had a number for merchant and still do not. I never stayed in this hotel. Representative today XXXX told me the last representative never followed through reopening my dispute. Dont want my credit ruined but dont want to pay for something i never received. Will be paying in cash from now on! The amount XXXX not insignificant to me
Consumer complaint received 2020-10-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (IN)

We had a loan through Kia Motors Finance on our XXXX XXXX which we paid off XX/XX/XXXX. Since then, we have called customer service numerous times checking the status of our overpayment refund, but each time the story is the same : that a refund has been processed but not sent, and that there is no way to contact the responsible department other than by email, to which there has to-date never been a response. I have been reassured by various reps that they are looking into it, but nothing has changed. 

It is now more than XXXX months later. If I were XXXX months late with a payment, Kia would at least continue charging interest, if not take legal action. I have contacted Kia 's complaint department in writing ( the only method which I was told will guarantee a response ), and I will be taking legal action if this matter is not addressed shortly. The pandemic is no excuse. Everyone else has carried on business as usual. Kia has a responsibility to as well.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

Had my checking account hacked from a random person in XXXX XXXX. Multiple charges, basically charged my card different amounts until it was {$0.00}. Called Chase XXXX and they were able to refund the credits. By the time the investigation was done, they charged my card {$160.00} and told me that my claim was reversed. They said that since the pin was used, it was a valid charge. The card was hacked while it was in first class mail. Not even in my possession. Im out almost {$200.00} because the fraud team deemed that it was me. Extremely frustrated with chase. I am very low on funds and now I have to lose out on that because I was hacked from someone in XXXX XXXX.
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAINE & WEINER COMPANY, INC. (CA)

From the onset I do not recognize this account the date of the account was your sign of the it count nor do I recognize being notified of its past due status. That was the victim of the equal facts that had reached 2017 whereas most of my information and they're upon the dark net and I've been paying for it ever since. This is a direct result of I'd theft.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

Over a month ago, one of my XXXX cards with Citicards was blocked for payments. I have no idea why. I've been calling and calling. Every time I call there's someone in the XXXX with a terrible connection asking me about my number of my debit card for security checking. I do NOT HAVE a debit card with Citi. They also asked me for lots of other data, like the number of my other credit card, which I provided. 
I also talked to a supervisor, actually XXXX : one on the phone and one in the chat. 
When I don't give them a debit card number, they hang up on me. When I ask to be transferred to U.S. customer service, they say ok but put me in the same loop again and I land in the XXXX again, with the same result. 
The online chat says they can not help, I have to call. 
It's been a total nightmare. 
I have a credit balance on this card. 
All I'm asking for at this time is to transfer my credit balance to one of my other XXXX cards from the one ending in XXXX and to close that account. 
The document I attached is that latest message I received from a supposed supervisor who admitted himself that it was frustrating but could not help either.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I disputed an entry on my Experian report. Originally I did not even recognize the entry because it was reported as a TOTAL XXXX card which I never had. I then noticed it was from XXXX XXXX XXXX and was an account they sold to XXXX. I had paid off the account and had an agreement that the account would not be reported and removed from my credit report. I have a letter verifying this agreement. Initially Experian stated they had proof this was my account and I submitted a dispute saying it was to be remove per the agreement with the creditor. I have submitted the attached letter twice and asked for this entry to be removed but Experian, XXXX XXXX XXXX and XXXX refuse to comply.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPals are XXXX & XXXX XXXX
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

Ive had PayPal credit synchrony for several years now. I currently have a credit limit of {$1900.00}. I applied for an increase to {$3000.00} credit limit on XX/XX/XXXX. I received a denial letter on XX/XX/XXXX. It states that my credit score is a XXXX based on XX/XX/XXXX credit snapshot. But my current score is XXXX as of XX/XX/XXXX. Attached here as well along with PayPal denial letter. I request an update to my score because there will be a an inquiry on my credit with a denial based on an outdated score. My score has shot up over the past two months.
Consumer complaint received 2020-11-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (FL)

Wellsfargo got my international wire money XXXX dollars last octubre XX/XX/2020 and at this time that money is not in my family account in XXXX and is not in my USA account too! I called then several times and they didnt resolved anything! Now Im requesting prove of they give that money to XXXX XXXX that was intermediary between XXXX XXXX and Wells Fargo, and I have 7 days waiting for it! I dont have any documents to ask in XXXX for my money there! Please help me to locate my money and get it back
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I received a Property Tax delinquency notice from my township in XXXX. I contacted my mortgage company immediately. They promised to resolve the issue. 

I called again early XXXX as I noticed that the payment still was not remitted. They promised to take care of it. 

I called again end of XXXX to get status and they still have not resolved it. 

It is now middle of XXXX, no property tax payment was remitted.
Consumer complaint received 2015-09-03
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NY)

I contacted them to work on a resolution, and at that time advised them the only number to reach me at was my personal number, which they had, and asked them to remove a XXXX party 's phone number, which they verified was removed. The following day they called that same number they said they would n't..
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OH)

Due to the pandemic my income took a large decrease and I was not able to make a payment ontime for an account : COMENITYCAPITALBANK/ZALE # XXXX in the month of XXXX 2020 and now I have a 30 day past due for XX/XX/2020 and is affecting my credit.
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$170.00}
Consumer complaint received 2024-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (CA)

On XX/XX/2023 ( XXXX ) XXXX XXXX XXXX filed for XXXX  XXXX Bankruptcy. I was a paying customer for aligners, retainers and a life time guarantee on a satisfactory smile. I have been contacting the company and so I can buy new retainers my old current ones are very old now and the company XXXX always advised me to change them every XXXX  months for a new pair I can not do that now. 
I have paid off the amount of money owed XXXX  times now and they still charge my credit card stating that I owe them money. I paid it off in fear of my credit score decreasing, but I should not have to pay them since they can not provide me with service or product. I am not asking for a refund I just want them to stop charging me
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportinXXXX Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

We were involved in an issue where XXXX promised to help us and extend the payments out on our vehicle when my husband lost his job. One day they came and repossessed our vehicle. They sued us for the money and we gave them a settlement but it still shows on our credit and we want it to show paid on our credit report.
Consumer complaint received 2023-09-06
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (CA)

NRA has sent a rebuttal for the first complaint filed, claiming that there was an alleged debt validation letter sent to my current address in XXXX of 2023. There is no proof that this validation letter has or was sent, as they have yet to provide this information. As well, the company continues to fight to leave the presumed debt as a collection without proof of ownership, which is illegal. At this point, the company has no legal grounds to stand on in keeping the presumed debt as a collection.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

Opened an account with Wellsfargo. They were offering a {$400.00} bonus for opening an every day checking account with {$3000.00} or mor in qualifying direct deposits for the next 3 months. Its being 6 months of qualifying deposits for over {$3000.00} a month and theyve never given me the bonus as promised.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been going rounds with Trans Union now for over a year. I submit the documentation they request, XXXX., FTC Affidavit documents, police report Trans Union claims to be " investigating, '' yet I get no confirmation of an investigation or the outcome. Trans Union does to be punitive by locking out the ability to dispute information through their website. I pay monthly for credit monitoring for the sole purpose as new fraudulent information appears, I can dispute it and have it removed, so it does not do further damage to my credit report or score.
Consumer complaint received 2022-01-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Onity Group Inc. (IL)

I WAS NOTIFIED BY LETTER FROM PHH MORTGAGE THAT MY LOAN WAS TRANSFERRED TO XXXX  MORTGAGE ... FORTUNATELY I WAS ABLE TO SPEAK TO SOMEONE AT PHH MORTGAGE HOWEVER SHE WASN'T ABLE TO PROVIDE MY NEW LOAN NUMBER NOR ABLE TO GIVE INFO ABOUT WHERE TO SEND PAYMENT.  IN ADDITION, I CALLED WITHIN 5 DAYS OF RECEIVING THE NOTICE AND CONTACTED XXXX OF WHICH SINCE IT WASN'T THE XXXX XXXX XXXX NO INFORMATION WAS AVAILABLE.  SO, IT'S XXXX XXXX XXXX XXXX  AND STILL NO COUPON MAILED EITHER TO MY P.O. Box NOR THE PROPERTY  ADDRESS.  IN THE MEANTIME, MY SON HAS THE VIRUS.  I DON'T KNOW WHAT TO DO.
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MA)

Hello, We are desperate and really do not know where to turn for help. Back in XXXX of 2020 we heard that because of Covid 19 and the nationwide shut down, mortgage companies were offering up to 6 month of ( deferred? ) payments. So we called US Bank and they agreed to let us take up to 6 months off with no payments. ( Our original mortgage was sold to US Bank. ) Neither of us had lost our jobs ( both XXXX  ), but I lost some income as a XXXX and my wife was unsure what could happen with her job because it is a XXXX XXXX  that relied on tuition, so heading into summer, it seemed like a smart thing to do. 

So fast forward to XXXX. We wanted to start paying again so we called them to let them know and to find out what to do. We were told that we needed to pay {$3600.00} to make up the escrow shortage and then our regular payments would start again on XX/XX/XXXX. So we paid the escrow. We made our regular payments in XXXX and XXXX, on time. We then got a letter saying our payments were late. This is where it gets crazy. We called and they said that the escrow payment was applied to the XXXX, 2020 payment and one of the regular payments was applied to XXXX. So this was a mistake on their part. 

To make a long story short, we have called them 12 times in the past 2.5 months. Each time it is a different person because they can never seem to find the last person. Also, each time, they gave a different explanation and claimed either they would fix it, or that someone would call back. They have moved payments around, but further messed it up. They even have a payment in " suspension account ''. We have talked to customer service, loss mitigation, escrow, and supervisors. ( I have names, dates, and notes for each call, most of which have been 2 hour ordeals. ) They have told me 6-7 times that they figured out, and 6 or 7 times that they would call back. It is not, and they do not. One person even told us to ask to defer payments again and then request a loan modification. ( And they never followed up ). I have talked to no less than 20 people. 

As of today, XX/XX/XXXX, I called again and was told a supervisor would call me right back. That was 2 hours ago. We have made regular payments every month since XXXX but they have us listed as 2 months behind. Also, my credit score dropped 100 points today, even though they assured me they would make sure this would not affect it. 

This has caused us a lot of stress and confusion as you can imagine. We would love to chat with you about this and we are willing to do anything at this point to let people know and to get this resolved. 

Thanks so much,
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland is saying I owe {$2100.00} to them. I asked for proof the debt was mine, original agreement signed with the original creditor, documents how Midland acquired the debt, proof that they own the debt. All I received was a copy of XX/XX/2022 statement from the original creditor. Now I'm in court fighting a debt collector
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a dispute to Transunion XX/XX/year> requesting XXXX XXXX, XXXX XXXX XXXX XXXX account be removed from my credit report immediately due to the businesses violation of Texas state and federal regulations. Instead of Transunion doing as I asked.They just updated the accounts and dismissed the letter that I sent with the dispute as it the violations meant nothing. Please see the attached letter that I sent to Transunion.
Consumer complaint received 2015-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received an unfair and very upsetting response from Bank of America regarding my payment that they debit from my account, when I made a payment on XXXX XXXXJust because I am behind on my payments that does not allow them to take more then XXXX payment without my authorization. Please investigate this case and have them credit my account XXXX payment as a courtesy due to drafting my payment for more than XXXX payment and fess from my checking account and leaving me with any money to feed my kids or gas for work and unable to pay my bills. Its was snowing that day and was scare my light was going to get cut off because I did not have the funds available to make my payment because they took all my funds from my checking. Plus they charged me NSF fees because I placed a stop on my payment and took my bank XXXX to XXXX days to clear that transaction.