davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hello. I recently noticed that my FICO score ( which was over 830 in XXXX ) .. dropped XXXX points, as you can imagine, I assumed someone had infiltrated my personal information. 
You see, My 12 year old son went into XXXX failure in XX/XX/2019 and spent almost 2 months in the hospital and in XX/XX/2019, my mother died and I had to take care of all the details concerning her funeral, vacating her apartment and her burial ... needless to say, an extremely difficult few months. But after researching I found that Kohls dept store had reported a {$48.00} balance after I had paid ( via phone ) what the rep told me was due. As you can see from my 27+ years of using credit responsibly, this Kohls amount of {$48.00} that was not paid was unbeknownst to me at the time of my phone call with the company when I was told my open balance was {$290.00}, which I forthrightly paid. 
I am requesting a total reversal of this unwarranted filing ASAP. Thank you for your consideration
Consumer complaint received 2021-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I purchased a flight on XXXX for XXXX The flight was a XXXX XXXX flight The flight was continuously changing then was cancelled due to covid by XXXX XXXX I called XXXX to process the refund, I received an email that I was given flight credit and that if they cant honor the flight credit that Im eligible for refund I called XXXX XXXX on XX/XX/XXXX to book a flight using the credit. They advised me the credit was not eligible and that the flight can not be booked unless I pay full price I called XXXX who contacted XXXX XXXX to process the refund. They hung up the phone so I disputed the charge with chime. After 6 months and providing documentation chime still has not returned the flight costs or the baggage fees I was charged twice for
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Initially on XX/XX/XXXX and then again on XX/XX/XXXX, I disputed the total balance due on my Experian credit report on an automotive loan from XXXX XXXX XXXX. The loan was paid off and satisfied as of XX/XX/XXXX. Both disputes to Experian came back with no changed information and the balance of {$5800.00} still due. I've tried twice and now frustrated that this has not been rectified, despite my urging them to look into the matter twice. Please help.
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NY)

To whom it may concern : I had a problem with XXXX. I had family members on an account and we had trouble understanding each other when it came to the responsibility of paying the bill. I decided to cancel The account after not having the & to pay the bill monthly. Some phones were still under leased which made the bill super high. Intent phones were paid already. By the time the account was canceled the company sent me to the corporate office to return the phones still under leased. Thats where all began. No one was able to find my account and I had a HUGE bill. I went to three corporate offices and the account was nowhere to be found therefore they couldnt take the phones to credit the account. Few weeks after that I received notification XXXX sold my account to XXXX and they became my debt collector. After many interactions with them, they also sd they couldnt take the leased phones to credit the account and after scary talks about how this situation was going to harm me in the long run credit I worked a payment plan. I agreed to pay them the attached receipts. It wasnt until They took $ out of my bank without one of the agreed dates that I called and sd I no longer can trust them and no longer had $ to pay them. If they wanted to agreed on a last amount which I was going to do at that moment and thats it. The representative sd thank you and she was going to note the account. 
Them I started working with a credit repair company which is helping me with my negative items on my account and after I thought this situation was settled it happens that another company has the account. I Settled this account at whatever I was able to pay. Now this company is hurting my possibility of restarting my credit. Just bc XXXX did me wrong after being a customer for over 18 years.
Consumer complaint received 2019-07-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Windham Professionals, Inc. (MI)

this is regarding an audit, I was having issues getting an audit done which im still currently working on and the company that handles it turned it to collections until we get the amount resolved. XXXX of 2019 I received notice we owed {$9300.00} and I called and told them it was not correct we had some issues to resolve. This place in turn has call my mother in laws house phone not once not twice three times since and each time has told her the we owe {$9300.00} and she needs to let us know to contact them. I understand they do call relatives in certain instances but to tell her the amount owed? That I thought was against the law. Everytime they call and she calls us to notify us they called she tells me the exact amount. I would like to know how we can handle this because I do not appreciate people/family knowing our business. I have not received any other emails for payment but the one in XXXX and yes they have called my husbands phone and i have called myself but never get to speak with her. It always has a voicemail stating email me at this email.
Consumer complaint received 2019-06-03
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: Diversified Consultants, Inc. (OH)

I have never done business with DIVERSIFIED CONSULTANT # XXXX {$1600.00} I have already disputed this account with another company XXXX XXXX that I guess sold this Unverified account to DIVERSIFIED CONSULTANT # XXXX. I will sued them if they do no remove this Fraudulent account and stop selling it to other collection agencies.I request that formally DIVERSIFIED CONSULTANT substantiate account data DIVERSIFIED CONSULTANT conferred to the major credit bureaus for me, XXXX XXXX XXXX, with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction.
Consumer complaint received 2019-06-03
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (WA)

I filed for a bankruptcy in XX/XX/XXXX and my mortgage with Freedom Mortgage company was discharged. The debt was not reaffirmed. Yet, in XX/XX/XXXX, they reported me 4 months late on my mortgage on my XXXX credit report. This is against the Bankruptcy discharge issued in XX/XX/XXXX. My attorney said that no payment history should be reported after the discharge date. This is the third time I have had to deal with this. They reported me late in XX/XX/XXXX as well along with late payments in XXXX, XXXX and XX/XX/XXXX ( the XXXX issues have since been corrected ). 

The last 4 of my SSN is XXXX. 

Their actions are adversely affecting me trying to reestablish my credit.
Consumer complaint received 2019-06-03
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. (KY)

I have reached out to transunion and XXXX  about this issue 4 times now. 

XXXX XXXX XXXX XXXX is reporting incorrect information on my credit report. I have asked the credit bureaus 4 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect : No of Months ( terms ) - there was never an agreement! 

High Credit - This was not a loan! I never borrowed money from them. They OVERPAID me. then sent me to collections, even after they received their money back! 

Payment status - this is not a collection/chargeoff! 

Date Last Active I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on my credit report.
Consumer complaint received 2019-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

We purchased a prepaid cruise and tour of the XXXX XXXX through XXXX XXXX XXXX, using a Barclays bank Master Card for installment payments. When we arrived at the hotel in XXXX, on XX/XX/XXXX, the XXXX XXXX, we presented the same card for incidentals. Upon checkout, on XX/XX/XXXX, we were charged and have a receipt for XXXX euro in incidentals. We continued to use the card, a chip card, for the rest of the trip. 

After returning home, we see on our XXXX statement a charge for {$7300.00} on XX/XX/XXXX, from XXXX XXXX of XXXX XXXX. We have no idea who this is, or what the charge is for. When we reported this to XXXX, they took the charge off of our account, stopped the card, and issued a new card, and we thought all was well. 

Subsequently, we were contacted by XXXX and told that since the card remained in our possession, and that it was a chip card, that fraud was not possible, so we are liable for this charge. We have disputed this statement, since we have no idea what the charge is and did not authorize it, it is fraudulent. XXXX XXXX tells us that the merchant is in the hotel business, so there must be some connection to the hotel. 

After several go arounds with the XXXX fraud and dispute staff, including sending a letter XX/XX/XXXX recounting our story and disputing their denial of the claim, we received a call saying that they were standing by their position that no fraud occurred and that we were liable. Interest continues to accrue on this charge. 

I called them today and were told two things, that the case was closed, and that a new case was opened # XXXX to request proof from the merchant about the validity of the charge. I told them that I was planning to file a complaint with the CFPB, and they were OK with that. I was told that a manager would be getting back to me within 24-48 business hours. 

I hope that you are able to help with this matter. Its quite possible that we are not the only tourists who have been victimized in this way. Please advise.
Consumer complaint received 2019-06-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NJ)

I was charged higher the normal on Finance charges. The car was financed at 26.29 %, Interest, Which doubled the cost of the car from {$15000.00} to {$30000.00}. From XX/XX/2013 To date, I have made payments on nothing but interest, and principal has not been paid down, despite additional payments and over payments, nothing has been applied towards the initial billing, Adjustment.
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

To whom it may concern, We already filed a complaint for this loan however the response given was completely beating around the bush and the concern was never addressed. A loss mitigation submission was submitted for review to Select Portfolio Services on XX/XX/XXXX. On XX/XX/XXXX we were told the file had been denied due to excessive forbearance as well as the client exhausted all of her loss mitigation options as it was stated she used the maximum amount of modifications the investor allows. I have made several requests through the ombudsman for copies of the three modifications the lender claims she has received. These requests have been requested since XX/XX/XXXX and several calls have been made and each time we were told the modifications would be sent to us. As of now, a copy of the modifications the lender stated this client has had and as of XX/XX/XXXX I have only received 1 modification from XXXX. The issue I have with this is the terms of the XXXX modification do not match her current terms which would make any amounts due from XXXX moving forward incorrect and also would change the way the file should have been reviewed for loss mitigation. Also stating the client has had 3 or more modifications when the servicer can only produce one is dangerous because the investor is being misled to believe they have given three modifications. This client has a legitimate hardship and has the ability to make a modified payment. At this time I am requesting the following. A hold be placed on the sale date for XX/XX/XXXX. I am again requesting a copies and proof of all loan modifications the client has received since the loan was taken out. I am also requesting a new loss mitigation review be done based on the corrected numbers and balance as previously stated the number and terms from the modification that is on file does not match current terms.This client has owned her home since XXXX and wants to save her home along with her children who love their home. This client can afford a newly reinstated restructured mortgage. However they do not have the correct balance or terms for this loan as they claimed there are multiple mods and there are not and have yet to provide the proof.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX sent credit in my name to a lady in Kentucky now is reporting it as a {$650.00} credit line in payed this has been going on now for 2 years experian refuses to delete it I never had this card I filed a complaint. With the police in Kentucky they could not find this person
Consumer complaint received 2019-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have both a checking and savings account with Citizens bank in XXXX XXXX, PA. On XX/XX/XXXX, a charge of {$320.00} was 'pending '. There were 4 other, much smaller charges cleared after that. I was charged a {$35.00} overdraft for all 4 of them, even though the funds were technically still in my account! On XX/XX/XXXX the {$320.00} cleared, and I was charged another {$35.00} overdraft fee for that item!! A bank can not charge me overdraft fees for items I have the money to cover, while withholding {$320.00}, then charge me an overdraft fee for that charge when it clears!! They had already " held '' and accounted for that transaction!! This is absolutely horrible business!!! I demand either the first 4 fees reversed, since the funds were technically still in my account to cover them, or at the very least, I demand the last fee reversed, the one charged for the {$320.00}! This is simply the worst business practice I've EVER witnessed!
Consumer complaint received 2019-06-02
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. (CA)

For the past several years starting in XXXX, every month for a year I submitted documentation to Experian for XXXX XXXX reporting inaccurate information on my credit report. My vehicle was wrongfully repossessed in XXXX by XXXX   XXXX acting for XXXX XXXX which resulted in a law suit. I disputed this issue and information with Experian who continue to report inaccurate dates & information from this creditor. Now Experian is reporting the delinquent account past the 7 years of reporting which is a violation of FCRA. I called Experian today after I attempted to file a dispute online. The dispute was declined so I called Experian only to be told by the representative I spoke to is located in XXXX XXXX, no supervisor was available because they were closed, she submitted my dispute over the phone but then informed me they only report what the company tells them even if the information is inaccurate and a host of other unacceptable excuses of how their dispute process works in which they don't investigation the company 's accuracy of information being reported. The investigation should include the company providing proof of dates and accurate disputing information to Experian before Experian reports it on my credit file. It's their job to report accurate information and if the information is not accurate, remove it. The law suit surrounding this repossession was recently settled in my favor in XX/XX/XXXX and XXXX XXXX is still reporting the delinquent account since XX/XX/XXXX. This account has reached it's Statue of Limitation in the State of California ( 7 years ) which should be deleted immediately.
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX my DOB is XXXX my SS # XXXX I have been a victim of ID Theft I am trying to get things back to normal however I have a ton of inaccurate addresses on my credit report still. 
My only name is XXXX XXXX XXXX please remove any other variations of my name. My employer is Ohio XXXX XXXX  XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. 

Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-06-02
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. (OH)

I have reached out to transunion and equifax about this issue 3 times now. 

XXXX XXXX is reporting incorrect information on my credit report. I have asked the credit bureaus 3 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect. 
Acct Type-Detail Date Opened High Credit Balance Credit Limit Past Due Date Last Active Date of Last Payment I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on my credit report.
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (TX)

Ally financial keeps flagging my account as charge-off bad debt too many times and only supposed to do it once. Also did not contact me with up to date information about the vehicle that was repossessed going to an auction and being sold nor did they come up with a payment plan or agreement. They were supposed to sell the car XX/XX/XXXX and let me know what the next steps were and here it is XX/XX/2024 and I still have no update on anything. But they find ways to keep reporting on my credit illegally.
Consumer complaint received 2019-06-02
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. (NY)

I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately. Please remove this late payment because it's Inaccurate and pulling down my credit score!
Consumer complaint received 2019-06-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Integrated Mediation Solutions LLC (CA)

Today XX/XX/19 this company called my son, wife, neice and nephew and said they were going to send this to XXXX XXXX XXXX and said it was urgent that I contacted them.
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

As of XX/XX/XXXX I called and confirmed with Nissan Infinity regarding the status of an auto loan I had with them. The representative confirmed that the account is paid in full as agreed and no charge-off status should reflect anymore on my credit reports. However, as of XX/XX/XXXX, the status of the Closed Nissan account ( opened on XX/XX/XXXX ) on XXXX shows as charge-off under payment. This is wrong, because it says that dispute is resolved. Either XXXX is not up-to-date or the creditor failed to report the right status of payment.
Consumer complaint received 2021-05-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (MO)

I called to speak with them, I told them I wasnt able to pay what they were asking at the time and they said it would negatively effect my credit if I didnt pay. I ended up paying in full.