davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I CALLED AND SPOKE WITH A REPRESENTATIVE FROM XXXX XXXX XXXX, XXXX XXXX, AND XXXX TO DISCUSS THE ( XXXX ) 30 DAY LATE REPORTED TO THE ( XXXX ) CREDIT BUREAUS. I WAS OFFERED A PAY AND DELETE AFTER FULL BALANCE WAS PAID OFF FROM THE XXXX XXXX. XXXX STATED THEY WOULD TAKE CARE OF IT AFTER REVIEWING MY HISTORY OF SEVERAL YEARS IN GOOD STANDING. XXXX XXXX OFFERED TO DELETE AFTER EXPLAINING THE XXXX THAT CAUSED THE LATE. I CONTACTED BOTH COMPANIES AFTER PAYOFF AND THEY STATED THERE WERE NO NOTES OF ANY CONVERSATION AND DID NOT REMOVE NEGATIVE REPORTING.SEVERALH UNSUCCESSFUL DISPUTES WERE MADE THROUGHOUT THE YEARS. I REQUESTED INFORMATION OF CONTACT PERSONS THAT I PROVIDED WITH NAMES, DATES, AND TIMES I SPOKE TO EACH COMPANY REPRESENTATIVES. THE CREDIT BUREAU NEVER REPLIED WITH ANY RESPONSE TO THE CONTACT PERSON AND HAVE DISREGARDED ALL REQUESTS MADE CONCERNING MY ISSUES. I DO N'T THINK THE CREDIT BUREAUS INVESTIGATED THE CONTACTS THAT I PROVIDED. THEY INFORMED ME THEY DO NOT GIVE CONTACT NAMES TO CONSUMERS AND THEY WOULD SUBMIT THE DISPUTE INFORMATION ELECTRONICALLY. THE BUREAUS HAVE FAILED TO REMOVE OR DELETE THESE ACCOUNTS. PLEASE HELP ME IN CORRECTING THESE ISSUES.
Consumer complaint received 2016-08-20
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CJA Auto Sales, Inc. (AZ)

I purchased a XXXX Cadillac CTS on XXXX XXXX, XXXX with my daughter. On XXXX XXXX, my daughter made the first payment of {$200.00} by money order. On XXXX XXXX, XXXX, the collections manager began calling and stating that the account was past due. I disputed his statement by stating that the first payment was made in full. On XXXX XXXX, XXXX, the collections manager called again and stated that if the account was not brought current that he could " not secure the loan. '' I again told him that the first payment was made in full by money order. The collections manager repeatedly argued with me and stated again that he could " not secure the loan. '' On XXXX XXXX, XXXX, when I exited my workplace at XXXX, the vehicle was not in the parking lot where I left it. I immediately called the collections department at XXXX XXXX and the party who answered hung up on me. I called back a second time and my call went to voice mail. I presumed the vehicle had been ordered repossessed by the collections manager who argued with me on the week before. After filing my complaint with the Arizona Department of Financial Institutions referred to as AZDFI by XXXX, I was provided a copy of my account history. The record indicated that I did make my first payment by money order # XXXX in the amount of {$200.00}. However, the employee who accepted the payment recorded it as {$87.00} leaving a balance of {$110.00} on the account. The incorrect entry upon my account made the account appear delinquent when it was not. My vehicle was ordered repossessed even though my account was not delinquent. The owner of the company, XXXX XXXX, conspired along with his collection manager to endorse their illegal actions as a valid repossession. The company also retaliated against me and my daughter by reporting the false information to the credit bureaus in violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-07-07
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. (NJ)

I had recently sent a letter to cfpb showing that navient who took over my account from   XXXX   XXXX   has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time navient reported to the credit bureaus that my account was delinquent. I also sent a statement to  both  XXXX ,  the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for  XXXX  dollars with s  XXXX   XXXX   and have been making payments over the years ( sometimes more than the minimum ) and currently owe   XXXX  dollars.
Consumer complaint received 2016-08-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Solutions, LLC (KY) (TN)

I have disputed these accounts before, the answere I received I feel do not dealt with the problem. These bill have been under dispute because the items that were charged were not correct. I have fought with the hospital about the amounts and the charges. I am on Medicare and each time I have paid my copay this company has continued to try to charge outside what they should have been charging. I received treatment from them for 14 months. The last 3 months of treatment they began to charge for things that were not done, I have continually spoke with them concerning this each time the insist the doctor needs to change the code but the doctor says it 's the same code he has always used. I have contacted my insurance but have received no relief.my point being that the charges are incorrect, these are charges that were and should have been paid by my insurance. The previous time you came back with the charges had been proven, but how can you say that when you do n't know what the charges should have been in the first place. If these charges were correct my bill would have been much more than these amounts as I received the same treatment for 14 months. Why did they change the last month 's of treatment. I do n't think this should be allowed to stand as it is a dispute over the amounts charged for things that were not done. By allowing this to be placed on my credit report you are placing me in a position of being forced to pay incorrect billing or let it remain on my report.
Consumer complaint received 2016-08-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (TX)

Repeated cold robocalls from an out-of-state debt collector that uses different company names and phone numbers from day to day. For example see my previous complaint to you, your case number XXXX. 

They do not give the name of the person they are calling or the name of the person calling, nor any other details. I do not have any new or old debts, so these calls are fake. There are many complaints posted on the Internet by people who have received these calls for years now. The volume of complaints indicates they are making thousands of such calls all over the U.S. in attempts to scare people into paying for debts they do not owe.
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

My bank is USAA. Over the years they continuously raised my available credit limit on my personal credit card without asking me and they did so while the card was maxed out or close to it. But since I was able to make the minimum payments, they kept raising my limit. I remember reading that XXXX XXXX XXXX got big fines for doing the same thing to small business. This seems illegal and predatory lending. What started as a {$2500.00} limit eventually became {$16000.00} and I never asked for credit increases. 
Then I got the flu for 2 weeks simultaneous with a pay cut and then fell behind on payments. I contacted the Member Assistance dept and asked for lower payments ( {$350.00} was became too much for me ) but they said no. All they offered was 'Pay us XXXX % of the total and we 'll close the account '. Now they have charged off the card, ruined my credit and made hard for me to get a job or apartment. I am an XXXX XXXX veteran that got suckered into this credit situation by a bank that advertises that it treats the military community special. It 's just predatory affinity marketing similar to the Rent-To-Own and XXXX places just outside the gates of military bases. They sold my debt to a collection firm after tacking on about {$2000.00} more in interest for an {$18000.00} total. Over the years I paid around {$17000.00} in interest. Crooks. plain and simple. XXXX would have knocked their booth over.
Consumer complaint received 2016-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

LoanCare is the worst imaginable loan service provider ; if you get them on the phone they keep transferring you from one department to another and none are able to justify why they charge you more. I do n't think is legal what they do and there 's a series of people that complain about them and nobody does a thing ... .what 's going on?
Consumer complaint received 2016-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Academy Mortgage Corporation (CO)

This is just an inquiry about mortgage insurance. I had a financial gift from a friend to purchase a house and in the interest of keeping my monthly payment low, my most important criteria, I opted to pay the mortgage ins up front, lump sum, so it would n't be added to my monthly bill. I was XXXX and it was my first home purchase, in 2014. I did this solo with no outside assistance, and though my intellect is good, financials make my eyes cross. Aside from that, everything is done so quickly, it 's hard to grasp what is actually happening. I opted to buy it up front, in the amount of {$4000.00}, thinking this would cover me for a few years until my record was established, and though they did ask me more than once if I was sure I wanted to do this, I do n't know if consequences of this decision were relayed to me. I do know nobody said this was not a wise decision, that I would likely end up losing more than I was getting. When my mortgage was sold after about a year, that money vanished. I 'm sure my mortgage insurance payments would not have been $ XXXX for 12-18 months, and mortgage ins never came up with the next mortgage company. When I refinanced with a different company, I was told that money was gone. I 'm just wondering if there 's any possibility of recouping a portion of these funds. If not, I have to accept that, but it seemed, at least in hindsight, that this was an area in which I was taken advantage of, being a novice in this situation. Thank you.
Consumer complaint received 2018-04-27
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: Eastern Account Systems of Connecticut, Inc. (CT)

XX/XX/XXXX Eastern Account Systems reported a {$3000.00} debt to my credit report, showing that the debt was from XX/XX/XXXX. I reported this several times in XX/XX/XXXX and now have started reporting them again for falsely reporting the start of the debt date, which was in fact, XX/XX/XXXX. 

XX/XX/XXXX I submitted a claim through XXXX that the date was incorrect & XX/XX/XXXX I was notified by XXXX that the EAS is reporting that the information is correct. 

XX/XX/XXXX I opened a new dispute and provided the bill directly from the hospital to XXXX, showing that the debt was from XX/XX/XXXX and not XX/XX/XXXX. XX/XX/XXXX, I was notified that again EAS is stating that what they are reporting to XXXX is accurate. 

Eastern Account Systems is falsely reporting a medical visit start date and is falsely stating to the credit bureaus that what they are reporting is accurate. I also had insurance at the time of service so this may even be an attempt at double billing. 

I have/had no contract with this collection agency and do not owe Eastern Account Systems any money directly. Eastern Account Services has directly violated the HIPPA act of 1996. I never signed anything for this company to receive any medical information, the only information they are allowed to receive is date of service and amount due. They are still inaccurately reporting the date of service ( account opened ) as XX/XX/XXXX.

This debt being reported to the bureaus in XX/XX/XXXX caught me off guard as the date is so old.
Consumer complaint received 2016-08-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (TX)

American express makes it so difficult to file a warranty claim now. I filed a claim for a {$21.00} wrist watch that was damaged and per their warranty policy they replace any damaged item within 30 days. They required me to fill out an exhaustive amount of forms and also requested information that is no business of theirs like my home owners insurance policy number. I have been a loyal customer for more years than I can count. No more. I believe they are unfair and deceptive in their descriptions of benefits to card holders. Please investigate the for fraud and unfair and deceptive practices.
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AZ)

I could not continue making payments to XXXX XXXX XXXX XXXX XXXX NE XXXX in XXXX XXXX. I called them and made arrangements for the vehicle to be returned. XXXX XXXX XXXX reported a " charge off '' of {$11000.00} to XXXX. XXXX then sold the debt to a third party ( XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. ) In XXXX XXXX I contacted XXXX to pay off the debt. XXXX referred me to a third party collector XXXX XXXX XXXX ( XXXX ). I contacted XXXX and we agreed upon {$7700.00} to settle the debt, and I overnight mailed XXXX a cashier 's check. 

Now the problem : I obtained copies of my credit reports from all XXXX credit bureaus and the debt remains showing as a " charge off. '' XXXX says they wo n't report this account as " paid '' to Equifax, that it is XXXX 's responsibility even though XXXX is mentioned on the credit report under XXXX 's Name. XXXX says they wo n't change the status. I have disputed it with Equifax three times and submitted proof of settlement and payment, but Equifax refuses to accurately update the credit report. 

I submit that : one, when XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX, the debt ceased to be a charge off and that XXXX should have changed to status from " charge off '' to " debt sold '' ; two, once XXXX was informed by XXXX that the debt was paid/settled, that XXXX must change the status on the credit report to " paid/settlement '' ; three, that since proof of payment has been provided to Equifax three times and that this inaccurate information on my credit report has been disputed three times ( and that XXXX and XXXX both acknowledge that the debt is paid, ) that Equifax must change the credit report status from " charge off '' to " paid '' or " settlement. ''
Consumer complaint received 2016-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (CO)

I believe Pinnacle Financial Services has re-aged an old collection, and has updated the " original default date '' to less than 2 years ago. I have not been in contact with Pinnacle Financial Services, have not claimed responsibility for this debt, and do not believe I should be responsible, but the debt has still been re-aged without notifying me.
Consumer complaint received 2016-08-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I owed BOA XXXX. I paid them XX/XX/XXXX with a Certified check for XXXX ( sale amount from XXXX XXXX ) I have not recieved the money difference or title.i was told 3 days then 3 weeks and I still have nothing.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$6800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2016-08-20
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (LA)

I signed up for an American Express card with a bonus offer of XXXX Membership Rewards points after spending {$3000.00} in three months. I met these requirements, was given my points, then at the 3 month mark, American Express took the points away, as an " adjustment ''. 

I was then told by various representatives that my points were taken away because I was certain purchases were returned and that these returns brought me below the {$3000.00} requirement. But upon checking my transaction history, there were no such returns and I had indeed met the requirements.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (CA)

XXXX failed to deliver a package I had shipped with them. When I tried to get an explanation, they concluded that I had abandoned the shipment and they closed the case without notifying me. So, I disputed the shipping charges on my credit card. 
A few months later, I received a bill from XXXX for the shipping amount. I opened a case with XXXX to dispute the bill and ask for a refund on the value of my package. They did not respond at all and set a debt collector ( Transworld Systems ) on me. 
When I called XXXX about this, they tried to confuse the issue and eventually just hung up on me. 

So now I have no recourse to fair treatment and the corporation is using its power to harass me into paying for a service they failed to render.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OK)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2016-08-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a safe deposit box at the local Bank of America for 10 years. I recently hear that that location is closing and so I called the branch on XXXX/XXXX/16 to ask when should I go and collect my safe deposit contents. I was informed that the box has been drilled open and the contents are sent to a " central '' location. I was never notified that they will do this. I live XXXX miles away from the bank and the rental fee is directly debited from my BofA bank account. This is not ok. My valuables are tampered & they have not been returned to me as of this date of complaint.The bank also told me XXXX different stories of how the contents are handled. XXXX version was the entire box was wrapped up without opening the box and exposing the contents. XXXX version was the items were inventoried by bank personnel.
Consumer complaint received 2018-04-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I received a letter from Wells Fargo stating that I had a shortage of {$1600.00} in my escrow account.

This shortage caused my mortgage payment to go from {$960.00} ( which I was paying on-time since purchasing the home ) to {$1200.00}.

This is a {$240.00} difference.

When purchasing my home I made sure that I chose the loan amount based on what I was able to afford as a monthly payment. My budget was based on a payment under 1k a month. This overage is over that budgeted amount.

When I called Wells Fargo they told me that I might be able to lower this amount if I filed for Homestead Exception. Which I did on XX/XX/XXXX ). The county advised that this exception will not take place until XX/XX/XXXX.

This still leaves me with 9 months of a higher mortgage payment.

I'm wondering if this is all accurate, if this can be done without any warning or explanation other than " you now owe this amount '' by Wells Fargo.

At this time I'm not scared of losing my home, but I am having to allocate bills differently and use Credit Cards to pay for items which is causing me to be more in debt. I would prefer for this not to happen.

I'm currently just trying to find answers and hope that my mortgage payment does lessen come XX/XX/XXXXand reflect a dollar amount closer to what I had originally agreed upon.

Any help would be appreciated.