davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (TX)

XX/XX/XXXX -- Contacted XXXX. Spoke with a rep who acknowledged the error and said he would take care of the issue. He never called back XX/XX/XXXX -- Contacted XXXX again. No assistance. Contacted the Corporate Office and was advised by Rep that the information should not been reported to the Credit Bureau since the entire amount was in error as XXXX continued billing me through XX/XX/XXXX even though I terminated services on XX/XX/XXXX when I moved to another state, I was told someone would call me in the evening, but I did not hear from anyone. 

I also contacted Southwest Credit Collections and spoke with a rep. She stated she could do nothing until she hears from XXXX. She stated she had not been contacted by XXXX so that the information could be removed from my Credit reports.
Consumer complaint received 2020-04-17
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. (FL)

Dear Experian : I really need your help because at this point I dont know where to turn. I had my coffee, opened the mail and I saw three letters. One from all three credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following : Creditor : XXXX XXXX For some reason your company did not remove it. Im a little confused here. How is it that the other two bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other two bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and Im starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, Im not a complainer, but I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. I dont want to do that but I will if I have to. 

Please check with the furnisher and fix this problem.
Consumer complaint received 2019-02-20
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 (FL)

Capital one took an unauthorized payment of {$1600.00} out of my bank account on XX/XX/2019. Capital one admitted to my bank, XXXX XXXX, and asked for a letter to return the funds to my account. Now they are saying they will not give the money back after admitting the payment was unauthorized. Capital one contacted my bank on a 3 way call numerous times on a recorded line and admitted that the payment was unauthorized. This has happened 3 or 4 times to my account because capital one has no security and let 's anyone call and make changes to the account. I had a password but capital one removed it.
Consumer complaint received 2019-02-20
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 (NJ)

I had a Nissan Lease account From XXXX until XXXX. The account has been closed but still reporting as open. Last week I called to make the payment that I owe them. Spoke with a woman named XXXX on the recorded line. She explained that the debt is old, it should no longer report to my credit, and they are no longer pursuing me. I called to pay it off in good faith. It now is being reported as a negative account when it shouldnt even be on my reports anymore. Its an account thats been settled in good faith. Its 8 years old. Ive tried to dispute it but can not. This has dropped my credit from XXXX to XXXX. Harming me terribly. Please let me know what can be done here.
Consumer complaint received 2019-02-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Starting in XX/XX/2017 Bank OF AMERICA called me about fraud use on my debit card ... it aslo showed from XXXX  deducting over {$1000.00} ..beside other deductions. 

XXXX charges continued 4  times a month ... unauthorized for the next year. 

Since last year 4 charges a month has been deducted from my account ... i filed each time w bank and now after numerous calls and discussions they inform me i should of filed these claims as unuthorized charges vs. fraud charges .. 

THE BANK FRAUD DEPT HAS ALL THE CLAIMS. 

THESE ARE THE CLAIM ID NUMBERS.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not see any of these charges on thes claims being deducted from my account. 

One charge this past XX/XX/XXXX was for {$1800.00} when my monthly payment is {$76.00}. 

Poor communication W banking employees not knowing how to help their customers filed correctly. if it is fraudulent naturally it is not authorized. 

They told me once claim is filed one way it cant be refiled another. im out about {$9000.00}.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security National Automotive Acceptance (NC)

In XXXX of XXXX, my husband and I were checking our score due to needing to find another vehicle. We noticed an account with Security National ( SNAAC ) was considered CLOSED and showing no payments for all of XXXX were made at all. This is inaccurate as we have proof of payment history and the account is very much still open. My husband was XXXX during a time the vehicle was repoed for non payment in XXXX, but we fully paid the amounts own for those months in XXXX of XXXX. I called SNAAC and they said that regardless if were in good standings with them, they cant go back and show its still active/open. I called XXXX in XXXX of XXXX and filed a dispute. They came back reporting that SNAAC will not fix the issue and that they said weve made one payment in XX/XX/XXXX and never fixed the year of XXXX. I spoke with a supervisor of SNAAC today, XXXX XXXX, and he said there was not much he could do and that they will not show the status as active/open. This is TRULY hurting my credit score and I dont feel they are treating us fairly. I feel as if we shouldnt have to pay for a loan if its not going to help our credit score and they need to pay for the detrimental damage they have caused to myself, my husband, and my family.
Consumer complaint received 2019-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I, XXXX XXXX, discovered my identity ( and my spouses ),  was stolen after receiving mail from Wells Fargo ( WF ) with a debit card and checking accounts information. Two account were opened in my name with a mailing address for a residence I had not lived at in over 13 years. The account numbers end in XXXX and XXXX, the mailing address used is XXXX XXXX XXXX XXXX, XXXX. Thankfully the current home owner tracked me down and brought the mail to me. I contacted WFs fraud department immediately and learned these accounts were opened on-line without physical proof of identity. I have completed all the steps required by WF to  prove these accounts were not opened by me ; including, meeting with local WF bank officer, Mr. XXXX XXXX, on XX/XX/XXXX. After providing Mr. XXXX with two forms of ID ( also a police report and my FTC complaint ) I was told the account would be closed immediately and any further correspondence would be sent to my correct address ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). 

As of XX/XX/XXXX, it does not appear these accounts have been closed because statements, for accounts I did not open, continue to be sent to the INCORRECT ADDRESS. I have spoken to countless WF representatives on the phone, sent emails, letters, and spoke to the local representative several times trying to resolve this matter to no avail. I am asking that these accounts be closed immediately and any additional correspondence be sent to my CORRECT address. I should not have to depend on, or burden the current homeowner on XXXX XXXX XXXX to deliver the never ending correspondence from WF. 

Any documentation needed can be provided upon request.
Consumer complaint received 2020-04-17
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. (AZ)

I called an Experian representative to discuss inaccurate information on my credit report. The representative called XXXX XXXX, and the XXXX XXXX representative confirmed to the Experian representative and I that it was a settled account and that I owed them XXXX dollars. After the phone call ended your representative told me she could not remove the inaccurate information because it was cloudy, despite the fact that XXXX XXXX said that I owed them no money. I wanted to make sure that Experian was clear on the status, because it was a settlement. So I asked the XXXX XXXX representative if they would take any payments from me and he replied no. That my balance was settled and I no longer owed them money. He stated that on XX/XX/2020 XXXX sent the information regarding the settled account to the credit agencies. 
I am able to verify this to be true, in a couple days of this report XXXX  and XXXX  reported the accurate information. Despite hearing this directly, the Experian representative refused to remove the information from my credit report. I asking to talk to her supervisor, the line went straight to voicemail.
Consumer complaint received 2019-02-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I am trying to save my house from foreclosure. I have applied for a modification but Mr Cooper has refused to send to the investor. They told me I have excessive obligations, which I do not. They also told me that they could not lower my payment. I am trying to avoid foreclosure, so if my payment goes up, that is ok. I am upset that Mr Cooper did not send to the investor for review and that I had to file a bankruptcy to avoid foreclosure.
Consumer complaint received 2020-04-17
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. (OH)

My name is XXXX XXXX XXXX please remove/delete any other variations of my name : XXXX, XXXX XXXX, XXXX XXXX. I have a few fraudulent account that are on my credit file from companies that I have never done business with. I have several fraudulent addresses on my credit report never lived at the following address : 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 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, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH 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, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have several numbers on my file the do not belong to me please delete these unknown numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX theses are the fraudulent account that I have requested legal documentations and have yet to receive anything back, please delete the following account XXXX # XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX  # XXXX, XXXX   XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-04-17
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: EQUIFAX, INC. (FL)

Dear Equifax I really need your help because at this point I dont know where to turn. I had my coffee, opened the mail and I saw three letters. One from all three credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following : Creditor : XXXX XXXX For some reason your company did not remove it. Im a little confused here. How is it that the other two bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other two bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and Im starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, Im not a complainer, but I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. I dont want to do that but I will if I have to. 

Please check with the furnisher and fix this problem.
Consumer complaint received 2019-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (PA)

I have spoken and written to TIAA bank for months trying to resolve a trivial matter. My property was recently reassessed for property taxes and as a result all 3 of the taxing authorities will lower the bill for 2019. I have written and spoken to TIAA and despite the passage of several months they have not responded, despite being given documentary evidence of a new assessment and its promise to contact the relevant taxing authorities to get an updated estimate. As a result I am likely paying hundreds of extra dollars into escrow and am carrying an escrow balance far in excess of federal limits.

Secondly I forwarded via fax and mail a borough tax bill to TIAA bank, it has yet to engage with this letter or make any effort to communicate its intent to pay this tax bill in a timely manner.
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (LA)

On XX/XX/2019, I mailed a Validation of Debt Letter to the collection agency, IC SYSTEMS COLLECTIONS. 
They are reporting to the credit bureaus that I have a debt for XXXX. 
I have NEVER received any information about this debt in the mail or via phone call, before it showed up on my credit report. 
It has been 30 days since IC SYSTEMS COLLECTIONS has received my letter, and HAS NOT RESPONDED.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2020 I checked my credit report from Transunion and XXXX. My credit score dropped 70 Points on Transunion and 75 on XXXX. They said thats its because my XXXX XXXX XXXX had increased by {$46.00}. I have never changed anything on the card for $ XXXXI dont understand how my credit scores could drop that much and I dont have any delinquent or late payments accounts. I have attached some documentation that shows how many times my score has changed. Such a decrease in my score prevents me from obtaining a good rate.
Consumer complaint received 2020-04-17
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. (FL)

I traded in my XXXX XXXX XXXX on XX/XX/XXXX, Financed through XXXX  XXXX to the XXXX dealer, XXXX XXXX in XXXX Florida financed through XXXX a XXXX XXXX XXXX. I immediately called XXXX XXXX and got the payoff amount and told them I traded in the Vehicle I was outsourced to the XXXX. I made several calls during this period of time so did the dealer. A check was cut by the dealer on XX/XX/XXXX, for {$33000.00} an overage of the payoff of {$150.00} which XXXX  XXXX is refunding me. Because of the CORONA Virus pandemic, all of the non-essential business in XXXX Florida was closed down on Friday, XX/XX/XXXX. The dealer had sent the check XXXX XXXX to Californa Payoff address for XXXX  XXXX it was received and signed for XX/XX/XXXX, at XXXX XXXX   by XXXX. I also sent a letter by regular mail to XXXX  XXXX to make sure they had copies of the check as well and phone calls from me and the dealer. Now Please be aware we are are all quarantined at this time, my mother is XXXX and in Wisconsin XXXX  with the XXXX  I am in Florida unable to travel. This horrific company is giving me the run around with people telling me I have to make payments on a vehicle that was traded in and paid off!. I WAS NEVER LATE ON A PAYMENT FOR 18 MONTHS at 16 % interest. On XX/XX/XXXX XXXX  XXXX reported me to all 3 credit Bureaus as being late payment with 0 delinquency because I owe no money The assistant to the President called to tell me the payoff even if it was the over amount was 4 days late during a PANDEMIC  I have her name and number. They are deliberately trying to ruin my credit. I have submitted documents I have a letter from the dealer and an official statement from the city of XXXX for the closure, They need to be held accountable! I am a good customer my credit is important based on this report my score dropped 22 points again I traded in my car on the XXXX it was paid off in total on the XXXX during a pandemic. This was unacceptable. I am sure I am not the only consumer they are ruining credit on honestly they have a terrible attitude toward the consumer. I am going to report them to the XXXX XXXX XXXX and Florida Attorney general as well I know this seems extreme But it is morally wrong I do not owe these people any money I was not late and they owe me money.
Consumer complaint received 2019-03-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc. (AR)

Went online to get the loan and told us we could only get a vehicle at XXXX XXXX. Then we picked out a car and his parents asked them if it was XXXX financing. They lied and said it was, then we picked out a XXXX XXXX. The next day we got a ride and they gave us a different vehicle and it was very clear that the paper work had been done over where we signed to read something completely different and our ride had already left so we had to drive the vehicle back home. The first day home we filed with the Attorney general 's office. We were told by them not to pay the payments so we would not validate the loan. THEN I FOUND OUT THAT SANTANDER HAD BEEN ILLEGITIMATE, and had filed bankruptcy. We Never used the vehicle as it was not the one we purchased and we will not pay for it. THEY PULLED A Bait and switch and its illegal. The vehicle was returned to XXXX XXXX.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I traded in my XXXX XXXX XXXX on XX/XX/2020, Financed through XXXX  XXXX to the XXXX dealer, XXXX XXXX in XXXX Florida financed through XXXX a XXXX XXXX XXXX. I immediately called XXXX XXXX and got the payoff amount and told them I traded in the Vehicle I was outsourced to the XXXX. I made several calls during this period of time so did the dealer. A check was cut by the dealer on XX/XX/2020, for {$33000.00} an overage of the payoff of {$150.00} which XXXX  XXXX is refunding me. Because of the CORONA Virus pandemic, all of the non-essential business in XXXX Florida was closed down on Friday, XX/XX/2020. The dealer had sent the check XXXX XXXX to Californa Payoff address for XXXX  XXXX it was received and signed forXX/XX/2020 at XXXX XXXX   by XXXX. I also sent a letter by regular mail to XXXX  XXXX to make sure they had copies of the check as well and phone calls from me and the dealer. Now Please be aware we are are all quarantined at this time, my mother is XXXX and in Wisconsin XXXX  with the XXXX  I am in Florida unable to travel. This horrific company is giving me the run around with people telling me I have to make payments on a vehicle that was traded in and paid off!. I WAS NEVER LATE ON A PAYMENT FOR 18 MONTHS at 16 % interest. On XX/XX/2020 XXXX  XXXX reported me to all 3 credit Bureaus as being late payment with 0 delinquency because I owe no money The assistant to the President called to tell me the payoff even if it was the over amount was 4 days late during a PANDEMIC I have her name and number. They are deliberately trying to ruin my credit. I have submitted documents I have a letter from the dealer and an official statement from the city of XXXX for the closure, They need to be held accountable! I am a good customer my credit is important based on this report my score dropped 22 points again I traded in my car on the XXXX it was paid off in total on the XXXX during a pandemic. This was unacceptable. I am sure I am not the only consumer they are ruining credit on honestly they have a terrible attitude toward the consumer. I am going to report them to the XXXX XXXX XXXX and Florida Attorney general as well I know this seems extreme But it is morally wrong I do not owe these people any money I was not late and they owe me money.