davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (SC)

In XX/XX/XXXX I filed a dispute with Lexis Nexis when XXXX pulled a report for Commercial insurance, I was advised the dispute would take 30 days. I never heard back. 
On XX/XX/XXXX I applied for personal auto insurance with XXXX and was denied coverage because Lexis Nexis is reporting an accident dated XX/XX/XXXX ( where I was rear ended ) ; it is reporting twice ( once showing at fault ) another showing ( not at fault ). There was only 1 accident I was driving a XXXX XXXX and was rear ended by a XXXX  lady ( driving her dad 's car ) who had XXXX. They paid my damages and claim. I attached that letter from XXXX to the dispute with LexisNexis in XXXX of XXXX and again today. I advised them that it is a duplicate report and it should show only 1 time as " not at fault '' They have told me that XXXX ( which was my insurance at the time ) is reporting this rear end accident as my fault ( I also contacted XXXX at that time ). At this point I don't know who needs to fix it and get it resolved however I can tell you that since I was rear ended it was clearly NOT MY FAULT. My insurance ( XXXX never paid out anything for this accident ). The other party 's insurance ( XXXX " XXXX XXXX XXXX '' ) paid the claim. I can attach proof. This is having a continuous negative impact on my and my ability to get insurance and get insurance at affordable rates. 

Also an accident dated XX/XX/XXXX ( Comprehensive Claim ) where I was hit by a deer and had XXXX XXXX XXXX is now being reported as an " at fault accident '' for me. These erroneous reports are making it nearly impossible to get and maintain affordable auto insurance. I am not sure how to stop insurance companies from reporting incorrect information or how to go about getting it corrected because no one seems to do anything. 
Where does the burden of proof fall? I have submitted proof of the claim for XX/XX/XXXX, the accident XX/XX/XXXX is clearly noted as a comprehensive claim ( deer ).
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon reviewing my credit report, I noticed an unauthorized account from XXXX XXXX and charges on said account. I notified them this account was created without my consent. I also filed a fraud report, showing this theft had been reported. They continued to publish inaccurate information on my credit profile, with all three credit reporting agencies after giving them documentation. They closed the account and left it on my credit report. It was never my account and needs to be removed as it is affecting my overall ability to obtain credit.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My Account with XXXX XXXX was resolved and settled. They keep reporting a balance on my credit, and they have also agreed to remove it. I have gone back and forth, disputing, and nothing has been done. The account is showing a balance of {$1300.00}.
Consumer complaint received 2018-02-19
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. (TX)

Hello I purchased a brand new Jet ski and my Loan was thru XXXX XXXX XXXX the company is very unhelpful I have been trying to get this resolved for a year now. When I called them last XXXX they told me I owed {$50.00} for XXXX and XXXX when I called I paid the balance. It was only {$50.00} as I often paid them ahead. When I returned from Vacation they said I was behind on my payments I have never paid any of my loans late ever! I pride myself in paying my loans on time. I have 7 loans all on my credit report with perfect payment history. This company applied monies that were for Paymebts to the principle only if you review the historical payment history it is a cut and dry case. Just asking them if I paid on time is hardly an investigation as a hard working tax payer you are supposed to investigate these sistuations not just go off there misinformation and lies! Please do something about this! XXXX XXXX XXXX in XXXX XXXX!
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CT)

A claim was filed in the amount of {$290.00}, a debit card purchase from XXXX which posted to my Wells Fargo account on XX/XX/2021. The item ordered, a XXXX XXXX t-shirt, was not received. The package was sent via XXXX and as explained to claim reps recently, XXXX driver has a habit of forging signatures, leaving packages where they can be stolen and or lost. Previously, the driver forged signature on a package, signed the name " XXXX XXXX '' whom does not live at my address. I believe the driver signed the name " XXXX XXXX '' for this package from XXXX, left it where it could be lost/stolen. I never sign my name as " XXXX XXXX ''. I suspect the driver chose to sign my name like this because I made a complaint about forged signature from prior package, signed " XXXX XXXX ''. This was explained to Wells Fargo claim rep whom called me several days ago regarding claim, mentioned it might be closed out and provisional credit reversed out of account... The credit was recently reversed on XXXX, overdrawing the account. With the information provided above, I request Wells Fargo re-investigate this transaction and reverse credit back in to account. Attempts were made to resolve with merchant and failed, merchant works with XXXX on a company level ... Their delivery team works with XXXX and considers the package as delivered correctly, despite forged signature by driver.
Consumer complaint received 2018-02-19
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. (TX)

Hello I purchased a brand new Jet ski and my Loan was thru XXXX XXXX XXXX the company is very unhelpful I have been trying to get this resolved for a year now. When I called them last XXXX they told me I owed {$50.00} for XXXX and XXXX when I called I paid the balance. It was only {$50.00} as I often paid them ahead. When I returned from Vacation they said I was behind on my payments I have never paid any of my loans late ever! I pride myself in paying my loans on time. I have 7 loans all on my credit report with perfect payment history. This company applied monies that were for Paymebts to the principle only if you review the historical payment history it is a cut and dry case. Just asking them if I paid on time is hardly an investigation as a hard working tax payer you are supposed to investigate these sistuations not just go off there misinformation and lies! Please do something about this! XXXX XXXX XXXX in XXXX XXXX!
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (GA)

On XX/XX/2022 I attempted to transfer funds from my XXXX account to my XXXX XXXX. This is a transaction that I have done multiple times in the past, however, this time it triggered a fraud warning. After trying once more my account was completely locked. I have been unable to withdraw funds, transfer funds, buy stocks, or close my account. I have racked up over {$300.00} in overdraft fees for non-payment of bills that and have also been unable to pay my rent which now leaves me exposed to eviction. All the while I have not heard back from XXXX and have been told that there is no definitive timeframe for resolution. They also continue to ask me for the same information and I provide it every single time which are the PDF bank statements for my accounts ending in XXXX and XXXX. I am being taken advantage of for trying to use my own money and need a resolution to this as soon as possible.
Consumer complaint received 2018-02-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (FL)

I have vehicle lease account with XXXX XXXX XXXX that was properly paid for and closed on XX/XX/XXXX. As I changed address after the account was closed, I did NOt receive any further communication from XXXX. But, I get a call from a credit collection agency, XXXX XXXX XXXX, on XX/XX/XXXX regarding a debt to XXXX. I requested a written notification, which they sent me on my new address. The bill was for : excessive wears and tears and a purported missing key for a total amount of {$700.00}. I contacted XXXX and disputed the missing key. XXXX told me the account was closed and that the additional debt was sold to the credit collection agency ; therefore I had to work it out with the collector. I contacted the collector over the phone and we agreed on the amount of {$490.00} to settle the debt. However, until now the original account is still appearing as " open '' with XXXX, with a debt of {$210.00}. I have been disputing that over the last 3 years, but XXXX   keeps telling me that this is what XXXX reports to them. Each time I contacted XXXX at XXXX to request that they either : 1 ) report the account as " closed '' or 2 ) send me a bill in the mail with payment instructions. But, each time the department refused to do so nor will they provide the phone number of the department to contact. All, the tell me is to write to their collection department, which does NOT have a phone number! Worse, the phone number ( XXXX ) listed on the credit report does NOT belong to XXXX.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I am a credit card holder from this credit card company called synchrony and I have been making my minimum due payment as usual before my due date, on this month of XXXX my minimum due date is set to be XXXX so as the other months as well, I initiated a loan payment of {$210.00} from my chase account on the XXXX XXXX XXXX which posted on the XXXX XXXX XXXX XXXX  and the transaction was marked as completed, which reflected in my chase account balance as debited. 

Synchrony bank never contacted me about insufficient funds in my account or payment declined or what so ever since this payment posted on the XXXX XXXX XXXX 

On the XXXX XXXX XXXX XXXX XXXX  morning I checked my chase account to realize that my account was negative {$210.00} so I contacted XXXX XXXX  to as what the reason was, XXXXXXXX XXXX told me that Synchrony Bank made XXXX attempt of withdrawal on my account, the first one was on the XXXX XX/XX/2023 but declined due to insufficient funds and the the second one was on the XXXX of XXXX which brought my account to negative {$210.00}. 

I contacted synchrony bank on this said date XXXX XXXX to cross check my statement with them and they told me that everything was okay on my records with them, that my payment went through on the XXXX of XXXX and the transaction was marked as completed. 

I called XXXXXXXX XXXX to notify them and even connected these XXXX banks on a conference call but synchrony bank lost communication so I followed up with XXXXXXXX XXXX letting them know the outcome of the confirmation I got from synchrony bank. 

To my greatest surprise I am just get a message from synchrony bank that I am owing and past over due, I have attached a copy of this payments proof to this message. 

Synchrony bank is not competent to be called a bank with all of these obvious discrepancies, before I made a report on XXXXXXXX XXXX all these was not happening, but after a I made my report on XXXXXXXX XXXX XXXXhese started happening. 

How on earth can a transaction initiated on the XXXX XX/XX/2023 and posted on the XXXX of XX/XX/2023 is now declining without prior notice of all these failed transaction conducted by synchrony bank as XXXXXXXX XXXX  is claiming, its a shame this is happening from a bank that says they are credible institution?
Consumer complaint received 2020-05-08
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. (SC)

I requested covid-19 assistance from my mortgage company since I am a XXXX XXXX  and was experiencing a significant reduction of hours. I am now on a 3 month unpaid leave. They were able to give me a 3 month forbearance. However, 2 days after they reported to the credit bureau I was notified that my score had decreased by over 70 points. I requested a copy of my credit report and while my payment status was reported as current, I had a negative remark of FOR indicating forbearance. This was the only change on my report. I notified my mortgage company since the Cares Act specifies there should be no negative impact to credit scores resulting from utilizing these provisions intended to help those impacted. I have not had any response from them thus far.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-28
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. (IN)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
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
Consumer complaint received 2018-04-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (ID)

I had a credit card with XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX ) ( Phone:XXXX XXXX XXXX XXXX ) in XX/XX/XXXX, which maxed out and I couldn't pay until I sold my house. In XX/XX/XXXX I sold the house and tried to pay this off. It had gone to collection with XXXX XXXX, XXXX. So I called XXXX XXXX XXXX ( Also called XXXX XXXX, Phone : XXXX XXXX XXXX XXXX ) and they reached a settlement with XXXX XXXX XXXX for {$690.00} on XX/XX/XXXX and paid {$50.00} on the settlement and {$28.00} each month after that. Then Resurgent Capital Services ( Phone:XXXX XXXX XXXX ) took over the settlement in XX/XX/XXXX. XXXX XXXX XXXX paid XXXX XXXX, who paid Resurgent Capital ( Also called XXXX ) the $ XXXX monthly payment-until I came up with the money and tried to pay it off. I paid XXXX more than enough for the payoff. But when they tried to make the payment, first they had to track down XXXX, and then XXXX refused the payment, which they gladly took the monthly payments up to then. At the same time XXXX claims the difference between the settlement and the original bill with XXXX XXXX is a totally different account which no payment has been made on. If you check the account number each of these outfits use you will find the exact same credit card number on each with no change. In other words, it's the same account. 
The only thing from XXXX that matches anything is the bank name and credit card number. They even change the amount at will. I've tried since XX/XX/XXXX to resolve this and got nowhere. Obviously XXXX is trying to pull a scam at my expense and intentionally ruining my credit with their scam. I need this repaired.
Consumer complaint received 2018-04-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (OH)

XXXX XXXX in XX/XX/XXXX sent my mortgage payment back said the amount was insufficient to cure my delinquency and my account isn't under a payment plan and accelerated the loan every since then they either send my payment back or kelp the payment, now the amount is {$12000.00} as of XX/XX/XXXX is what they are asking me to pay. I have been trying to get answers from them over a year now I wrote to them on three difference occasion couldn't get them to respond to any of the two letter finally they respond to the third letter said there was an error that has occurred on the loan due to a complaint and summons XXXXXXXX XXXX XXXX XXXX XXXX  filed Affidavit for Lien they inadvertently placed the incorrect coding on the loan for monitoring my account which cause payments not to be accepted so this is what the letter states, remind you I send in a payment every mouth they send some back kelp some now they said the current amount is due at this time is {$6900.00} this is still a problem they still have payments they haven't sent back to me yet and I suffer over a year with this error. they order me back in XX/XX/XXXX to do a modification or refinance, or a short sale I told them I have no interest in doing any of those things that I'm making my payments I'm not behind on any of my payments if they had just taken the payments CitiMortgage cause all of this by not accepting my payment.
Consumer complaint received 2018-04-04
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ditech Financial LLC (NJ)

We bought a house in XX/XX/XXXX. In XX/XX/XXXX I filed bankruptcy Chapter XXXX only credit cards and my husband filed bankruptcy Chapter XXXX also in XX/XX/XXXX. We always been on time on our mortgage payments, never late because we want to keep our house. We started to build our credit two years ago and we noticed that the mortgage company is not reporting our mortgage payments to the credit bureau since the time we filed the bankruptcy. I called the mortgage company and they said they need the ( reaffirmation letter ). I tried to contact the bankruptcy lawyer about this letter but I can't locate her anywhere, her office is close and there's no other way to contact her. This problem is holding our credit score back and we think is not fair since we've been paying on time since the time we bought the house. I understand buying a house and a car paying on time helps to build your credit a lot because is a big responsibility for many years, this is not helping our credit. We pay every month {$2200.00} and is not fair that they don't report it to the credit bureau. If they would we would have an excellent credit score. This affect our credit because we can't get a decent rate based on our score. We would appreciate everything that you could do to solve this matter.
Consumer complaint received 2018-04-04
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 — Investigation took more than 30 days
Company: Midwest Recovery Systems (TX)

On XX/XX/2018 Midwest Recovery Systems reported a debt of {$450.00} to my credit report. I do not nor have I ever held any account with said company. This company did not notify me in writing of any debt that I have with them Furthermore, this company is not licensed to collect in the state of Texas.
Consumer complaint received 2018-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

I am filing a complaint and requesting that the following account be cleared from my credit due to the fact that the Chase account /debt were paid in full by me in the years XX/XX/XXXX, XX/XX/XXXX and or XX/XX/XXXX. 

Chase Accounts # XXXX I received a XXXX from Chase for the total unpaid balance of account as additional income, thus, I filed the amount of the XXXX when filing for my tax returns. 

Since, I claimed the amount of the XXXX accordingly, when filing my tax return for the years XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX this Chase account should be deleted and cleared from my credit report.
Consumer complaint received 2018-04-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC) (CA)

Last year in XX/XX/2017, someone called me from the XXXX XXXX County Office ( XXXX ) and informed me that I have a warrant for my arrest. She told me to call ( XXXX ). I spoke to a woman who called herself Investigator XXXX from XXXX XXXX XXXX. She told me this was the District Attorneys Office in XXXX and it was regarding their client XXXX XXXX XXXX. In order for them to stop proceedings to have me served with court papers, I need to make payment arrangements with them that day. She had called on my cell phone while I was at work. Under duress, I gave XXXX XXXX  my credit card information. I asked for a receipt, which I was told, that she was to email me. That never happened ; I looked at my XXXX  statement and {$420.00} and the following month {$320.00} was withdrawal from XXXX XXXX ( aka NATIONAL MANAGEMENT RECOVERY CORP ). I have never heard of this company until they came on my statement. My oral conversation was with XXXX XXXX XXXX, and never XXXX XXXX. I had written a complaint before about this company. They replied and claimed my allegation was false. After reading some of the complaints from XXXX XXXX XXXX ( XXXX ) regarding National Management Recovery Corp, some of the complaints are similar to incident I had went through with them. I have never given my credit card information to XXXX XXXX, or National Management. I spoke to one person from XXXX XXXX XXXX   named Investigator XXXX that has a XXXX prefix. Since XXXX XXXX office is in XXXX XXXX Florida, and XXXX XXXX XXXX number was based in XXXX, how did I call XXXX XXXX ( National Management Recovery Corp ) from a XXXX  prefix when they are based in Florida? How did they get credit card information, and I have never spoken to anyone from their office? XXXX XXXX   claims they never utilize tactics I had mentioned, yet they have falsified, misrepresented themselves ( XXXX XXXX XXXX ) threaten me with a warrant ( Investigator XXXX  w/ XXXX XXXX XXXX ) unauthorized withdrawal from my debit card, and claim to be another company. I filed complaints with the XXXX in Florida ( Case # XXXX ) with the Attorney Generals office in Florida, and The Florida Office of Financial ( Case # XXXX ). I hope something can be done. They are scam artists and need to be stopped.