davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (CA)

This involves a fraudulent sale ( scam ) enabled by XXXX. It is not a valid debt and a complaint has been filed with the Police and CFPB # XXXX. 

My dispute stems from a sale of merchandise through XXXX  ; two very expensive speakers were sold to a person using XXXX  ; this person paid for them using his credit card and XXXX. He then arranged for XXXX to ship them from my location in XXXX. 
They were allowed to ship shortly after the payment cleared XXXX ; the full sales price of {$1600.00} was paid on XX/XX/XXXX. The funds were held by XXXX until XX/XX/XXXX, at which time the funds were released to me. I then released the merchandise to the Buyer who then transported the speakers to XXXX XXXX and subsequently out of the country. 
Approximately two months later, Buyer filed a claim with XXXX claiming speakers were damaged in shipping ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ). Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition. XXXX notified me of this claim on or about XX/XX/XXXX and requested documentation that could be used to refute the claim. Documentation was sent immediately. On XX/XX/XXXX, XXXX informed me that the Buyers bank/ credit card company had sided with Buyer and my XXXX account was now " negative '' and to immediately add funds to cover the negative balance. I had heard nothing, nor been notified of any ongoing discussion. On XX/XX/XXXX, I spoke to the XXXX Resolution department ; they agreed the merchandise needed to be returned. On XX/XX/XXXX, the XXXX collection department called demanding payment and to deny me any further assistance from them. On XX/XX/XXXX, I called XXXX collection and was transferred to the Dispute Department after thirty minutes on hold the call was terminated ; no one answered in the Dispute Department. 
The merchandise remains in Buyers possession as of this date, XX/XX/XXXX. Buyer is non-responsive and refuses to return merchandise. XXXX refuses to either pursue a remedy with, or release the name of the institution used by Buyer. XXXX, acting in bad-faith, has apparently washed its hands of this matter. 
Lastly, I believe this transaction is a scam. The XXXX purchase was without negotiation, in fact, Buyer was offered a {$100.00} discount because of a supposed " double sales tax, '' issue, which Buyer ignored, completing the sale at full price. I have attached photos of the speakers both with and without grills for your information. 
Additionally, I have filed a Police Report regarding this fraudulent sale.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: CL Holdings LLC (WI)

I have this amount on my credit score by the cost of {$1300.00} and its for something having to do with XXXX. I have never had XXXX before in my life I dont know how that got in my credit score or how in the world I owe that amount but I know Ive lost my social about 3 maybe 4 times in my life and I know this has to have something to do with me losing my social because how would I have some random amount of that nature in my credit Im actually gon na try to contact you guys to see if you can help me remove this amount because Im not gon na pay for something I had nothing to do with and honestly this random payment has been ruining my youth for a couple of years now Ive been trying to open my first bank account so I could save money to help me get my own spot and I wasnt able to, and when I saved up the money which was about a year ago or so I still was not able to because of my credit score.. I really need help with this because it honestly wrong for this to ruin my life and I wasnt even the person to do it.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

All inquiries from XX/XX/XXXX through XX/XX/XXXX need to be deleted they were made by an unknown person that obtained my personal information Attached : Police report IDTheft Affidavit SSCard copy DL copy
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I received mail from credit collectors and I wanted to check my credit report. I tried each of the three companies Transunion, XXXX & XXXX, and none of them will give me the account numbers of the accounts on my report. Next I wanted to download a copy which only Transunion would allow me to do. Finally when I tried to file a dispute My accounts were suspended. I paid for XXXX and they still would not hel me & there is no way to cancel my account online.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cornerstone Home Lending Inc. (FL)

I have been trying to reach Cornerstone Home Lending for weeks in relation to my 4 loans. They REFUSE to get back to me. They have reported one loan as late during COVID which just dropped my score by 70 points. Every loan I have had with them has had issues. They change they payment amounts CONSTANTLY. They post payments wrong and then payments back to me making me late. They have always been impossible but now with COVID they are being totally irresponsible. 

I paid off one loan last week and I need acknowledgement it's been paid off and it needs to get recorded. 

They need to contact me about the loan they reported as late. By the time they got me ANY INFORMATION on this loan, payment amount, account number, etc, it was already two months past when the first payment was due. They need to contact me. I sent a certified letter. I have sent 4 emails. I have called 50 time and nothing.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (PA)

I have contacted Chase numerous times about inquiries on my credit reports. I have NOT applied for a Chase credit card in about 4 years. Chase, back in XX/XX/XXXX, sent me a letter stating that they were having the 3 credit bureaus removed their inquiries from my report. All 3 are still on there and there are more from Chase. These inquiries appear every couple of months and I have had 3 in the last 3 months
Consumer complaint received 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This bank ( Select Portfolio Services , Inc. ) says on its website that it offers assistance programs for distressed borrowers. We have applied twice in 2 years since our income is down 40 % from the time we began the loan. After spending 2 months providing detailed and copious amounts of financial documentation, the bank says that our type of loan does not qualify for any home retention loan modification based on what is written in the service agreement. So it really doesn't matter how much distress we are in or that we are in distress at all. The decision was not based on ANY of our financial data that we most dutifully submitted in a timely manner. The decision was based on a boilerplate clause deep within the service agreement. That should be illegal. 
The other issue, is that we are not allowed to contact the lender directly as SPS XXXX Inc. is only a servicer with little or no authority. Our loan was at some point chopped up and blended in with other loans to be sold in a tranche as part of a CDO security. This basically means there is no company lender to talk to. What is left over is a pool of investors in the security that is overseen by some banker or attorney that works for the bank that can't really make any decisions on one particular loan in the portfolio. There needs to be much more transparency and consumer protection for the borrower regarding these CDO placements. We feel we were set up from the beginning to be offered no help no matter what our circumstances.
Consumer complaint received 2020-04-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (WI)

I informed my mortgage provider that I have been unemployed since XXXX and I am unsure when I will find a job due to the covid 19 issue. They sent me a form to fill out which I sent back that stated I am unemployed and asking for assistance. My understanding is that they would provide me a forbearance offer upon receipt of the form. Instead, I am getting mixed messages from their customer service people that is it being worked on and to wait. 

I do not understand what questions could possibly exist in the current circumstances, I would rather dedicate my time to finding a job instead of trying to call them repeatedly.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC. (TX)

Ally Bank effectively STOLE {$11000.00} from me! 
I tried depositing the check electronically. It was denied Ally claimed image was " blurry '' & I should try again with greater resolution. 
I did & check was rejected AGAIN. Ally claimed check had *already* been cashed. 

I contacted source & they looked into it : NO check had not been cashed & it should go thru normally. Problem was on Ally 's side. 

I called Ally & they kept saying " my problem '' " my issue '' etc, It sounded like they tried to cash check XXXX time, labelled it cashed WITHOUT giving me my funds & then DENIED me my funds again when I re-submitted it under their guidance. 

so they are basically BLOCKING my MONEY from me for NO REASON! 

btw, I don't know if they've classified it as cashed & no other bank will touch it or not. They gave me instructions on ow to jump thru MORE of their never ending hoops! 

If I go to anew bank, checks get a 10 day hold on new accounts, so another way Ally is separating me from my money.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

on XXXX i had my credit card theft due to a credit card skimmer. i was in possession of the bank card. I was placed a call to customer services for the detail. while on the phone with the customer rep i was advised of the person with credit card skimmer attempting to use the card in real time ( while on phone with Regions rep ) - I came into the XXXX XXXX Florida Branch to put in a formal complaint and was told the bank manager would open an investigation and follow up with a report pertaining the findings Police Report XXXX case # XXXX
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

On XX/XX/2018 my credit report was pulled without my consent as an attempt to open an account under of some sort under Nissan. An account was not successfully established to my knowledge but this hard inquiry reflects on my credit profile and after contacting Nissan on more than one occasion they could not assist with resolving this matter.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: REGIONS FINANCIAL CORPORATION (FL)

on XX/XX/2017- i had my credit card theft due to a credit card skimmer. i was in possession of the bank card. I was placed a call to customer services for the detail. while on the phone with the customer rep i was advised of the person with credit card skimmer attempting to use the card in real time ( while on phone with Regions rep ) - I came into the XXXX XXXX, Florida Branch to put in a formal complaint and was told the bank manager would open an investigation and follow up with a report pertaining the findings Police Report XXXXPD case # XXXX
Consumer complaint received 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (TX)

I closed on my home refinance loan with Provident Funding on XX/XX/XXXX with a funding date of XX/XX/XXXX. On XX/XX/XXXX, my loan was still not funded and I was told that it would not be funded due to my recent work furlough which occurred on XX/XX/XXXX. This loan was supposed to be funded days before I was even aware of my employment situation. My broker followed up with Provident Funding several times during the process and was very detailed on the timeline of the needed funding. When my broker followed up on XXXX to inquire ( email is attached with this communication ) as to why it had not been funded, Provident Funding explained that they had an uptick in loans and had put a certain PRIORITY on their awaiting loans. I find that to be disrespectful and unethical. WAS MY LOAN NOT A PRIORITY TO PROVIDENT FUNDING? 

The bottom line is that my loan should have been funded on the XXXX but they pushed it back in place of other loans that better fit their priorities. I had done everything asked of me from day one and my equity and assets were a solid back up for this loan. I understand that there may have been delays at the time but we received no communication from Provident, as to the timeline of funding. A couple of days is one thing but almost two weeks is another. Even though they were almost two weeks overdue, they never provided detail on a potential timeline. In the time that they were dragging their feet and putting other loans over mine, I was furloughed and lost the loan all together. 

This is obviously a huge waste of my time, money and effort during a difficult time for me and my family. Again, I did everything asked of me and my funding was delayed due to priorities of other Provident Funding loans.
Consumer complaint received 2020-04-18
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE IS ONE ADDITIONAL ACCOUNT THAT IS REPORTING LATE PAYMENT HISTORY WHICH IS IN ERROR. I WAS NEVER LATE, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I submitted a request in XX/XX/2020, to remove inquires that was not mines or I never inquired. These inquires are not mines. I sent a second letter the next month XXXX with no change. I recently sent another letter in XXXX deputing and still no change.I need for some one to adhere to claims since there is no help from them XXXX.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

The three major reporting agencies have incorrectly reported my credit information to XXXX XXXX  and XXXX XXXX  companies when contacted about my credit scores & history in XXXX & erroneously reported late payments, etc pertaining to old accounts ( XXXX ) that I previously had filed a chapter XXXX bankruptcy on! XXXX, Experian XXXX XXXX  all participated in this abuse! Although I filed bankruptcy on the accounts listed in my XXXX bankruptcy, I was never late on any payments! A similar report was also filed to XXXX XXXX XXXX as well! These erroneous reports ultimately caused me to refinance my VA  loan at a much higher interest rate than I should have been offered and refinanced at!! I previously filed a complaint against Experian in XXXX for false reporting ( of late payments ) after filing bankruptcy to liquidate the same accounts .Experian admitted guilt, but I now see they're filing fraudulent reports again! This company has been previously fined millions by the U.S. & state governments for these & other abused & recently admitted to sharing Americans credit information with the XXXX XXXX.! I'd like relief from and correction of these false reports & my credit score upgraded accordingly!
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

MADE ORDER ON XX/XX/2020 - 2 CHARGES, ONE FOR {$6.00} AND ONE FOR {$6.00}. ON XX/XX/2020, I EMAILED THE MERCHANT AND CANCELLED THE PURCHASE, CANCELLATION # XXXX RESPONDED BY TELLING ME MY ACCOUNT WAS CLOSED AND I WOULD NO LONGER RECEIVED ANYTHING NOR WOULD I BE BILLED ANY FURTHER, THEN ON XXXX XXXX NOTICED AN UNAUTHORIZED CHARGE IN THE AMOUNT OF {$91.00} CALLED CAPITAL ONE IMMEDIATELY TO DISPUTE. XX/XX/2020 - NOTCIED ANOTHER CHARGE FROM SAME MERCHANT IN THE AMOUNT OF {$91.00}, CALLED CAPITAL ONE AND DISPUTED CHARGES. XX/XX/2020, AFTER HEARING VIA EMAIL FROM CAPITAL ONE THAT MY DISPUTES WERE BOTH DENIED I CALLED ON XX/XX/2020 AND THE REP I TALKED TO SAID THAT SHE WAS GOING TO MOVE MY CASE TO ESCULATION, I WAITED AND NEVER HEARD BACK FROM ANYONE WITH CAPITAL ONE, SO I CALLED AGAIN ON XX/XX/2020 AND TALKED TO XXXX WHO PUT ME ON HOLD TO TALK WITH HER SUPERVISOR AND CAME BACK TO TELL ME THAT MY CASE WAS NEVER ORGINALLY PUT INTO ESCULATION AND THAT SHE WOULD BE DOING THIS THAT DAY. THE SUPERVISER SHE TALKED TO HOWEVER TOLD HER THAT THE PAPERWORK THE MERCHANT SENT THEM SHOWED THAT I NEVER CANCELLED THE ORDER UNTIL XX/XX/2020 WHICH IS NOT TRUE. THE PAPERWORK I HAVE SHOWS THAT I CANCELLED ON XX/XX/2020. THE PAPERWORK WAS DATED XX/XX/2020 AND I THINK THIS IS WHY THEY ARE TRYING TO SAY THAT I NEVER CANCELLED UNTIL XX/XX/2020 WHICH IS AN UNTRUE STATEMNT. 
CAPITAL ONE HAS DENIED MY DISPUTE AGAIN ON XX/XX/2020 THEY STATED THAT THEY DID NOT FIND ANY ERRORS. I FIND THAT HARD TO BELIEVE BECAUSE IN THE PAPERWORK I HAVE ON PAGE 3 IT SHOWS THAT I CANCELLED ON XX/XX/2020 AND THE MERCHANT STATED I WOULD NOT BE BILLED ANYTHING FURTHER. IT CLEARLY SHOWS THAT I WAS BILLED AGAIN TWICE AFTER THEY ALREADY AGREED NOT TO BILL ME FURTHER. CAPITAL ONE IS STILL DENYING MY DISPUTE. 
THE CLAIM NUMBER FOR EACH IS AS FOLLOWS : XXXX {$85.00} AND THE OTHER ONE IS CLAIM # XXXX {$91.00}. THE ONLY CHARGE I SHOULD HAVE BEEN CHARGED BY THIS COMPANY ARE THE 2 I AGREED TO 1 FOR XXXX AND THE OTHER WAS FOR XXXX ON XX/XX/2020 ALL OTHER CHARGES WERE NOT AUTHORIZED BY ME AND I HAVE TOLD THIS TO CAPITAL ONE. 
IM VERY FRUSTRATED AT THIS POINT BECAUSE THIS IS XXXX TAKEN FROM ME AND DURING THIS PANDEMIC THIS IS MONEY THAT I NEED TO LIVE OFF OF AND CAPITAL ONE WILL NOT CARE.
Consumer complaint received 2020-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (OR)

I spoke to a representativewith and expressed to them that I was XXXX  at the time that the account was opened and placed on my credit report. I told them that t a lot of my belongings were lost in the process including my social security card. They advised that I would need to speak to a representativewith XXXX  I called them and they stated that they place the account in fraud.
Consumer complaint received 2020-04-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uplift, Inc (VA)

I refinanced my trip through Uplift / XXXX XXXX to speak at a university in XXXX, California on XXXX XX/XX/XXXX, but due to the coronavirus crisis the speaking engagement was cancelled. The total trip, including the travel protection cost was {$1500.00}. XXXX XXXX only refunded Uplift {$1400.00} ( minus the {$100.00} travel protection ). {$1500.00} - {$100.00} + {$1400.00} Since XXXX XXXX won't refund Uplift the {$100.00}, Uplift won't refund me the full {$310.00} amount I've already paid towards the loan using my MasterCard. I paid {$150.00} on XXXX XX/XX/XXXX and {$150.00} on XXXX XX/XX/XXXX. Even though the trip was cancelled, I made payments towards the loan so it wouldn't default and reflect poorly on my credit history. I paid a total of {$300.00} on my MasterCard. I thought I was going to get a full refund of {$300.00}. Because it took XXXX XXXX over 30 days to refund Uplift, the loan incurred a finance charge of {$210.00} which Uplift expects me to pay. 

Uplift is only refunding my MasterCard {$110.00} even though I paid {$300.00}. 

Uplift Loan ID XXXX XXXX XXXX XXXX XXXX Thank you
Consumer complaint received 2020-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (LA)

I owed XXXX cable {$500.00}. I paid them off then received calls from Diversified Consultants regarding the debt. When I paid off the debt at XXXX I was told it would be removed from my credit report. 

I have contacted Diversified Consultants repeatedly and they tell me that they will not remove the debt collector report showing that it was not paid. I spoke to someone at Diversified Consultants about removing the entry on my credit report but they will not.