davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (NE)

On XX/XX/2019 I saw a deal for a XXXX XXXX bundle for {$320.00} and made a purchase of for a total of {$330.00} from XXXX. I was prompted to us XXXX XXXX transfer for my purchase which I ended doing because it was a company affiliated with my Bank, US Bank, and a large number of other notable banks which made me think this process wasn't risky like giving your credit card out online for example. Right after I realized I had been scammed, I initially tried to request the money back through XXXX which ended with the seller declining my request a few days later after they had deleted the site. Also a day or so after I made the request, I called XXXX to see what they could do, but I only got a recorded response to go seek out my Bank which I ended up doing. I contacted my US Bank to see what they can do to help me, and was told to file a fraud dispute in which I explained what had happened and stressed the fact that I had been scammed and actions needed to be taken quickly before what I feared would happen would happen. I did not get a response back from US Bank until it was too late and over a week later the site had closed and disappeared from existence. I later got a letter with a line that read : My dispute has been dropped due to the seller receiving payment., which I read as saying my dispute has been dropped because the scammer collected the money. I tried calling US Bank for clarity and was told that the fraud dispute was declined because XXXX declined the request to get the money back. I was also told that this type of occurrence/scam is very common, and they hear a multitude of complaints regarding this problem and that there is nothing I can do to get my money back. Why is this a problem US Bank and XXXX has? If this is a common occurrence, and many people are troubled by it, why isn't anything being done to prevent it. By not fixing the problem, the two companies are essentially leaving the door open for scammers to utilize this method. If its broken fix it which is something not being done since all they have in place is a are you sure you want to make this transfer pop up. When you type in XXXX scam or XXXX fraud into the XXXX search engine you will find several articles about XXXX scams and nowhere will you find info from XXXX regarding scams and fraud, something that should be there base on the type of business being conducted. Why is XXXX not approaching the topic of scams and fraud when it is their company that is being exploited.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX - XXXX XXXX is reporting a collection # XXXX that I do not owe. I have already paid this collection off and they violated my 30 day right when they initially sent the collection. It is on my credit and should not be and I would like it removed, I do not know if it is on there as XXXX XXXX or XXXX XXXX.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MN)

This is new account, purchased a lawn mower and after a month we still had not received anything from the finance company so we called the place we bought the mower from and they connected us with them, at that time the first payment was already late but we paid almost double and the late fee was waived. 
We still have not received anything from them. 
There is no way to contact anyone and emails are ignored. 
I set up my bank account and is was verified, I set up automatic payments and all seemed well, until the next scheduled payment, they didn't take the payment and charged me a late fee. 
I tried several times to get things verified but there is no way to talk with anyone. 
I still have no idea if it set up right and may incur another late fee. 
I don't believe it's my fault, the website is confusing and with no way to talk to anyone or have an email answered it seems like a scam. 
They do it this way to collect late fees. 
It's ridiculous. 
I only want to verify that things are set up right and refund the late fee.
Consumer complaint received 2020-03-31
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. (AZ)

Im demanding a Method of Verification into the investigation of the following accounts inwhich I disputed the fraudulent accounts inwhich was opened up without my knowledge or consent. I'm requesting the name and title of the employee inwhom worked on this, the time and date, and what physical documentation was received and how it was received inwhich tied me to these accounts. And if you or your companies can not provide this detailed information within 30 days then you and your companies shall remove and block the following accounts. 

1. XXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.XXXX/ Dept of ED {$1200.00} 5. XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc. (NY)

This is an unbelievable story and its why as a consumer, it is paramount you have all the conditions of a loan and/or lease at time of signing the documents. To make a long story shorter when getting a lease car at XXXX XXXX XXXX XXXX, I was told to just get the lease started and then if I can find someone to co-sign at any point the lease terms would be much better because I had been the victim of identity theft and I'm still struggling to repair my credit score. Turns out that was a total lie by the salesman and also the manager XXXX. 

They were both lying and drove off in a car I couldn't afford because I thought I was going to be able to have my XXXX co sign the next day, which would have changed the monthly payments from {$430.00} to {$250.00}. I had been to the dealer 4 times that week and I was tired and foolishly I believed them. 

To make matters worse I had to leave my job because I was diagnosed with XXXX  and had to start XXXX treatment at XXXX XXXX XXXX immediately. This really put me in a jam because going into this mess I was repairing my credit from identity theft and am up to date on my car lease now. Even though I made the lease agreement under false pretense 's I received a grant from a local XXXX foundation, and have paid my lease up to date. 

Unfortunately, I have called GM probably 50 times, they wont change the terms of my lease, and they wont update my credit report to say I paid in full. Please help me, I need my credit to reflect the truth which is that I am on time. Please help ASAP, I am going for an apartment in a special XXXX center and they will run my credit and it needs to be perfect. Thank you and XXXX bless.
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (TX)

I was admitted to the emergency room at a hospital. I had insurance at the time and showed my card when arriving.I was treated by a doctor there and stayed overnight for observation the next day. I stayed in the ER and not in a hospital room. I was released the next day with prescriptions. 
A few weeks later I received a bill for {$150.00}, {$250.00}, and {$1400.00} twice. All from this dr visit. 
I was never asked or told that this dr was an out of network dr before he handled my er visit. 
I feel I was forced into this bill and I have disputed the charge a few times of this. They say I signed the form consenting the dr XXXX so I will pay. 
If I knew all this before, I would have asked for an in my network doctor. They never said anything of this. I feel this was entrapment for the service. 
I will not pay this, due to this business of this hospital practices. 
The services were given many years ago, and they keep renewing this on my credit report. Even the {$1400.00} shows twice as I stated above. 
I am requesting that these charges be removed from report. 
I have called the commonwealth, they were very rude and will not even look into the matter. 
I am requesting your assistance in this matter to have these medical items removed from the report. They are showing up on report when an employer pulled report. 

XXXX XXXX XX/XX/2019
Consumer complaint received 2019-08-19
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. (NV)

Please reverse the late payments reported on the following accounts: XXXX XXXX XXXXxxxxxxxxx and XXXX XXXX XXXX XXXX XXXXThe accounts were never past due, i never made a late payment to this company ever please change this , i have a good relationship with these companies.
Consumer complaint received 2019-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (DE)

I have a collection oh my credit report that I wasn't aware of and was part of identity theft from XXXX to XXXX in Texas  I've lived in Delaware  since XXXX of XXXX and can prove it someone has used my social security number and information either my ex-wife or someone related to her I'm thinking. I filed a complaint dispute with all three credit bureaus nothing has been resolved yet I'm trying to get this off my credit report it's {$450.00} or original creditor XXXX XXXX XXXX   XXXX  XXXX  XXXX XXXX  XXXX XXXX, South Carolina XXXX XXXX is the collection agency
Consumer complaint received 2019-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Around XX/XX/XXXX, I have opened my first checking account with HSBC bank an "Advance checking account" after I have received an offer in my mail with a personalized code which i have used that advertised the following: "you will receive $XXXX bonus if you open an advance checking account before XXXX XXXX XXXX and deposit to the account a minimum of $XXXX within 30 days of account opening and Hold the funds in the account for 90 days as well as not having a previous account with the bank. then I will receive the $XXXX in about 90 days after i meet all the requirements."I have deposited a check of $XXXX  to my new account on XX/XX/XXXX which is one week after opening the account and I have maintained a daily balance of more than $XXXX from XX/XX/XXXX to XX/XX/XXXX and until today I have received no Bonus offer or anything. Initially I have met all the requirements of the offer on XX/XX/XXXX and I was supposed to get the $XXXX on or before XX/XX/XXXX. but it has been more than 8 months after I met all the requirements and still nothing. I have tried to contact HSBC on XX/XX/XXXX. to ask them for the reasons of them not giving me my bonus knowing that they still advertise it until today and I still get HSBC bonus offers to open a new account in my mail; but I was not able to get any explanation from them except from this "We show the requirements to receive the promotion were completed. As thepromotional funds were not placed in your Checking account, we haveopened an investigation into this situation."
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I missed my XXXX XXXX payment due to COVID19 I have been out of work for the month XXXX. I called today XX/XX/XXXX and after a 2 hour wait I spoke with someone I was transferred 3 times and finally got an answer that they can not help me until my account is current. I told them and how do you expect me to pay whrn I am unemployed? 
I was told they could defer the late charges for 3 months then full amount is due ... But if I brought my account current they had other options available but they could not tell me what they are. 
How is this helping people I have always paid on time I am unable to pay now because loss of work due to COVID.
Consumer complaint received 2019-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have called several times to get on a RPP. I advised them I was not able to afford to make a RPP with late fees and other fees. I advised them if they could remove the fees from the RPP. They refused too remove the fees. I been trying to make monthly payments on the acct. After they not approving an affordable RPP my account has not gone into FCL and will not accept a pmt. They are requesting for me to RI, I advised them I don't have 6 pmts plus fees at this time. I need to see if they can take 4 payments to take me out of FCL and he said no. I can only RI account. I need the Investor information and the Attorney contact number because I am not going to lose my home. I don't have anywhere to live and I can afford my payments every month. its just hard to bring acct current.
Consumer complaint received 2019-08-19
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. (NV)

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX Hospital XXXX
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MN)

I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply. View
Consumer complaint received 2019-11-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

In the late spring of 2016, about a month before getting ready to celebrate paying off my car loan, after six years ( last payment was to be made in XXXX of XXXX ) I received a letter from the bank telling me that I owed an additional {$600.00}, a total of a little over $ 900.I was in shock. I wanted to know how this could possibly be. I found out that it was some kind of compounded principal that I owed from putting the loan on hardship deferral a few times which was completely allowed. However, I was never told to expect this and they demanded the money in a month from XXXX or it would go on my credit report. I had just coincidentally got laid off from my eight and a half year job. I fought and fought this to no avail. They would not reduce it either. I told them that if they did not do something and it ended up on my credit report, I would never pay it. They marred my report and as promised, I did not pay it. I could not believe however, that this bank was still holding my title, stubbornly all these years. Finally, I had to get rid of my car which unfortunately broke down. I wasn't sure what I was going to do but in the interim, I was in touch with the Department of Financial Services. I spoke with them at length about this case and they investigated over at least a year. An expert there told me that the bank could not sell this to a collection agency or " write off '' the debt or they would have to give me the title. Of course the bank knew this. As said, I had no choice, in XXXX to get rid of the car as unfortunately, the transmission went. In order to junk this car I needed the title. I settled with them for {$150.00}. I guess that might be considered okay after three years but when I recently looked at one of my credit reports ( I believe XXXX XXXX ) it clearly states that the debt was charged off and " written off. '' It clearly states this and I am pretty sure that it was on there before I settled. So, they did write it off? If that is the case, then they were supposed to release my title and I never should have paid them a dime.
Consumer complaint received 2019-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (RI)

Ditech decided to pay our property taxes in full in order to get the 2 % discount. Our escrow was set up for quarterly payments. We found out what they did when we got our yearly escrow estimator. At first when I called, they said the town only sent them the lump sum amount. The town and XXXX both said that was not true which forced Ditech to admit it was their decision. We are asking them to go back to quarterly payments for 2020 and they are refusing. Lump sum would have been fine if the escrow account had been set up that way originally but it was not. We did not authorize this change and we do not care about saving the 2 %, it saves us less than {$100.00}. This is our money paying our taxes.
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

Dispute on Partial Payments for XXXX and XXXX Mortgage : Servicer is currently reporting us delinquent for on our mortgage for XXXX and XX/XX/XXXX Both our bank account and the servicer are showing monies in constructive receipt for the months of XXXX, XXXX, XXXX and XXXX We believe this understanding was due to a coded unapplied payment posting on XX/XX/XXXX ( Circled on statement with N? ) and a strange recording on XX/XX/XXXX showing most of our payment going to principal balance of loan. We in no way communicated that we wanted our normal mortgage payment to be applied to the principal of the loan as is contractually spelled out in our mortgage. 
Further on XX/XX/XXXX at approximately XXXX XXXX  MST we called Servicer and spoke with an agent of the firm regarding this matter. The agents extension is XXXX. While on the phone with us, the agent of Freedom Mortgage acknowledged their mistake, took off as many late charges as they could based from their scope of practice ( service representative ), and promised they would fix the problem. On the call, they further instructed us not to pay any additional monies until the problem was fixed o This was done partially on the statements on XX/XX/XXXX but was once again registered as unapplied
Consumer complaint received 2019-08-19
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. (UT)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft.  The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value.  Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-08-19
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. (UT)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft.  The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value.  Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-08-19
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. (IL)

XXXX  Credit Report showed on my records that I have 30 days past due with XXXX  store in XXXX  2018. I opened dispute. They completed it and it still shows 30 days. I made payment in XXXX  XXXX   . But it says on my records  30 day past due in XXXX. And it brang down my credit score
Consumer complaint received 2019-08-19
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. (IL)

TransUnion Credit Report showed on my records that I have 30 days past due with XXXX  store in XXXX  2018. I opened dispute. They completed it and it still shows 30 days. I made payment in XXXX  XXXX   . But it says on my records  30 day past due in XXXX. And it brang down my credit score