davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (CA)

FORD MOTOR CREDIT ACCOUNT NUMBER XXXX ; I co-signed for a 60 month auto loan that opened in XX/XX/XXXX. Ford Motor Credit is reporting the Date of First Delinquency as XX/XX/XXXX with a Paid Charge Off Date in XX/XX/XXXX. When asked how they can report a DOfD 9 years after opening and 5 years after maturity I was told that the loan had been extended 7 times and subsequently modified. I did not consent to extending the term of the contract or a modification of the original term and I was told by XXXX XXXX that I had signed and or initialed the extentions and or modifications. I insisted I had not and requested copies of the documents which arrived in the mail and were not signed or initialed by me. Now FMC will not take or return my calls. 
I never agreed to any changes to the original term of the contract. This inaccurate reporting is impacting my credit in spite of my repeated requests to update and delete their inaccurate reporting. They are violating the FCRA by arbitrarily reaging the account and leaving a 13 year old debt on my credit reports.
Consumer complaint received 2018-04-20
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: EQUIFAX, INC. (IL)

Equifax is reporting a XXXX account on my credit report that does not belong to me and is result of identity theft. I have attempted to dispute this account with Equifax multiple times to no avail. I went to the police station and filed a police report and completed an identity theft report which is attached to this dispute. Please make the corrections immediately as it is affecting my ability to obtain a mortgage. If this account is not removed immediately I will be left with no choice but to file a civil lawsuit pursuant to FCRA 616 and 617 for willful noncompliance and negligence. I will also name anyone who touched this dispute, accepted this letter and made the decision to decline blocking the information as a defendant for violating my consumer rights. I will sue for punitive damages as well as legal and attorney fees as well.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CO)

I paid off a loan with Santander USA and they reported my loan as a XXXX XXXX. And show my payment as late and charged off!! They were paid off promptly and even gave me a refund. I want this corrected.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AR)

I have already deleted the e-mails regarding my request to see why my EQUIFAX credit report stopped showing the fraud alert associated with my credit data. I did contact and describe in detail what my issue was. I was contacted back with an e-mail saying the issue was resolved. In fact it is NOT RESOLVED. I have been renewing my fraud alert since the data breach was first published. I am allowed to renew some days in advance and do get the verification that a fraud alert is active on my account. Customer service also stated the fraud alert is active. I believe it has been about 30 days since I received the last email that my issue was resolved. If it is possible see if Equifax can determine why a fraud alert is not still displayed in the " Credit Summery '' of my report.
Consumer complaint received 2018-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

I received preventive care from XXXX XXXX XX/XX/16. They submitted this to collections after I was told via email it was corrected as a result of being preventive care. My insurance classifies routine XXXX XXXX as preventive care. This was not due to a illness, etc. This was a yearly routine physical.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THIS IS THE 3RD TIME THAT I HAVE ASKED TRANSUNION TO REMOVE ALL INCORRECT ADDRESS FROM FROM MY CREDIT PROFILE. 
IT IS AGAINST THE FAIR CREDIT REPORT ACT TO REPORT INACCURATE, AND ALL INACCURATE INFORMATION MUST BE DELETED IMMEDIATELY.
Consumer complaint received 2018-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (MD)

I sent a letter to Trident Asset Management requesting that they validate not verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other support documentation. They provided me with nothing which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Consumer complaint received 2018-04-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Insight Capital LLC (NV) (IL)

XXXX XXXX XXXX called me today XX/XX/2018 about XXXX XXXX and a guy named XXXX XXXX claimed I owed on two payday loans from the past. I told him I do NOT have any pay day loans out from the past, and that the one I do have out is current and I am paying on it. With his bad attitude, yelling in my ear and being rude and demanding, I accused the company of being fake and scamming me, telling him again I do not owe the depts. He got angry and told me it is a crime to not pay loans and scamming payday companies, or something to the affect. He said I was going to be taken to court for these depts. I then spoke to another woman who was very nice and tried confirming my information - SS number, bank, etc. but I refused to give that information up. I was told I owe two loan companies. One being Insight Capital WHICH I HAVE NEVER HEARD OF - in the amount of {$2600.00} or so, PLUS {$1000.00} fees for something else. I laughed and told her they weren't getting a dime because I don't owe anything like that. She switched me to the fraud department and I spoke to a man named XXXX XXXX who was nice until I told him I am contacting a lawyer and was not paying this dept. He started telling me they were taking me to court, going to garnish my wages and he started yelling at me. I just told him to " GO FOR IT '', and he hung up. 
I was asked if I had a lawyer or not. 
PLEASE PLEASE report this company and let me know if they are legit or not. I believe it is a scam and as I said, DO NOT owe any of these depts or loans. 

They are very rude, and nasty - and if they don't get what they want - they scream and get angry, VERY UNPROFESSIONAL. Please investigate.
Consumer complaint received 2018-04-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (WI)

I leased a XXXX XXXX XXXX XXXX  XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The lease was set up through XXXX XXXX. XXXX XXXX continues to incorrectly bill me each month. I have contacted XXXX XXXX myself with no success. I went to the dealership to enlist their help. We have had numerous ( too many to count ) phone conversations, emails and such with them trying to resolve this. I have been told multiple times that the issue is resolved, only to get my bill the next month with incorrect fees again. This all started when XXXX XXXX tried to charge me sales tax on the rebates that were part of the transaction. Those fees were paid to the dealer by me and to the State of Wisconsin by the dealer at lease inception. The dealership had to explain to XXXX XXXX   how leases get taxed. XXXX XXXX should know this!!!!!! The lease tax issue finally got corrected in late XX/XX/XXXX, over a year and a half into the lease. XXXX XXXX has and continues to assess late fees, past due fees and such when I never should have been billed for them in the first place. I am very concerned about the effect this has had on my credit. I am unsure if they are reporting late payments on my bureau or not. The dealership and I have continually asked for something in writing from someone to prove that this has been resolved. I have never received anything. The customer service at XXXX XXXX is beyond poor. My experience has been extremely frustrating. No one seems to care. It is not my job to correct their mistake. It is also not the job of the dealership to tell a financial institution how to bill correctly. The dealership staff has also put in countless hours trying to resolve this for me. I should have been billed {$86.00} per month from the start. If they knew what they were doing, this whole situation never would have happened. This has consumed enormous amounts of my time and has put undo stress upon me and my family. I want something in writing from XXXX XXXX that states that they have corrected my account once and for all. I also want something in writing from them guaranteeing that they have not reported any late payments to the credit bureau. I have attached payment statements, my original lease contract, emails to XXXX XXXX  and a list of people involved. I also think i should be compensated for this. I am over two years into my lease and XXXX XXXX still can not figure out how to bill this. I have already filed 2 complaints with the Wisconsin XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-03-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I want to refinance my Mortgage but Select Portfolio Serving , Inc. is trying to make me pay {$16.00}, XXXX an addition amount I don't owed. A letter sent to me from XXXX dated XX/XX/XXXX offering me to rearrange my payment. I disagreed with the addition payment of XXXX on XX/XX/XXXX in a recorded conversation with XXXX XXXX XXXX which she wavied. who worked at XXXX ( Modification unit ). I never agreed or signed any document to paid this Addition amount of {$16000.00} but I did disagreed. 
XXXX filed a Judgment of Foreclosure and sale against me and my husband it was ORDERED vacated on XX/XX/XXXX without cost to any party. so, I don't owe any court or attorney fees {$3200.00}. 
I have paid my owned XXXX XXXX and XXXX XXXX XXXX sent XXXX. Select Portfolio Serving Inc. or XXXX did not pay {$7700.00} in any XXXX Account for us. 
I don't know where the Accrued Interest Previously Extended from {$1700.00}. because we were paying our mortgage or the {$4000.00} which equal the {$5700.00} posted on the XXXX Account History sheet. 
.
Consumer complaint received 2018-03-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

The mortfage company trying to force me to pay additional monies monthly on my mortgage after I paid my escrow shortage before the deadline. 

I purchased a money order on XX/XX/XXXX and mailed it in. 

The mortgage representatives told me the escrow shortage was due until XX/XX/2018 and they told me that's when they received it. 

However, I got a call on XX/XX/XXXX in the AM telling they had not receiced my mortgage payment. 

My credit union shows my mortgage payment cleared on XX/XX/XXXX 

Then the representative tells me I was short in my payment I asked how so? The representive said since my payment for my escrow got there on the XX/XX/XXXX I owe an additional {$11.00} a month on my mortgage. 

I asked how is that possible when I paid my escrow shortage beforeXX/XX/XXXX as per their statement expressed and per a representative I spoke to prior concerning the escrow due date because I had to wait for a replacement of the escrow bill. 
She kept saying it had to be in their office by XX/XX/XXXX. I repeated her telling me that got it on XX/XX/XXXX. So how could my payment be late? 

Then she said my mortgage payment was late and why I couldn't pay it on the XXXX  of the month? I told her according to my mortgage agreement as long as it get in by the XXXX it is on time and not late I tried to have them change my due dat to the last XXXX that way it would be closer to my date I get paid. They told me it was against FHA regulations to change my loan due date! 

Every bill I have changed my due date to accommodate close to when I get my income.
Consumer complaint received 2018-06-06
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: EQUIFAX, INC. (PA)

I am attaching the investigation requests I sent to the credit bureaus on XX/XX/XXXX. Almost 90 days have passed without a response. They were supposed to respond in 30.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The monthly reporting of my auto loan with XXXX  is completely incorrect. Each three credit bureaus has completely different reporting and late payments reported.

My first payment on XX/XX/XXXX is showing reversed. This shouldn't have been the case. The payment was debited from my account. The next payment shown is XX/XX/XXXXfor {$400.00}, which apparently covered my XX/XX/XXXX payment.

The next payment made was in the amount of {$390.00}, only {$270.00} was reported XX/XX/XXXX. This payment should've covered the months of XX/XX/XXXX and only covered XX/XX/XXXX because of the alleged returned payment.

The next payment of {$800.00} made onXX/XX/XXXX should've covered XX/XX/XXXX and XX/XX/XXXX. The credit report shows XX/XX/XXXXbeing 30+ days late on XXXX  and XX/XX/XXXXbeing 30+ days late on TransUnion and XXXX   There were 2 months of extensions granted for XX/XX/XXXX and XX/XX/XXXX. TransUnion has XX/XX/XXXX reporting 30+ days late The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment should not be reporting 30+ days late since it was made within 30 days of the due date. This caused a rolling 30 day late on my report throughXX/XX/XXXX.

There was an extension granted in XX/XX/XXXXwhich should've covered my XX/XX/XXXX and XX/XX/XXXX Payments. XXXX  shows 30 days late XX/XX/XXXX andXX/XX/XXXXand 30 days late forXX/XX/XXXX and XX/XX/XXXX. Four months of different reporting to each bureau.

There was another extension provided for the months of XX/XX/XXXX and XX/XX/XXXX, however all three bureaus are reflecting 30 days late.

The amount of 30+ days late reported are not nearly as much/frequent as XXXX   has reported. There statement provided is not user friendly AND they had repo charges on there that should've never been assessed.
Consumer complaint received 2018-03-19
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. (IL)

i reviewed my credit on all 3 credit bureaus. and found a input stating that i supposedly had an account ( furniture ) W/ XXXX XXXX ( XX/XX/2014 ) that i hadnt paid and ended up owing in the amount of {$620.00} and it was reported to be ( charged off ). I contacted all 3 credit bureaus disputing said item. they supposedly did their investigation and said account was verified. i did this twice with all 3 bureaus. I then contacted XXXX XXXX wanting verification of debt. I have enclosed the letter that they sent me. stating that : Due to lack of information, we were unable to research/verify the account in question. and in the same letter they asked for me to furnish them my info. I dont believe that i should help them mock up something against me. So i ask how is this validation of a debt. I also spoke with them over the phone, i asked for the them to remove, this from my credit profile, they said they wouldnt and that i should fight it out with the credit reporting agencies. So i in turn sent the credit bureaus a copy of this letter. and for them to delete incorrect / unvalidated info from my report. 30 days later all 3 of them reported that this account was verified and correct. So to summarize things i feel exhausted in trying to correct this. each one of them creditor/ crdit bureaus dont care, and are kicking the can to each other, and im stuck. im trying to get a mortgage, but some lenders tell me to fix this item before they can proceed. please help!!! i feel that if there isnt evedience, then its probably false, or not my account. i have a very common XXXX name. so they should remove it. thank you for your time
Consumer complaint received 2018-03-19
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. (IL)

i reviewed my credit on all 3 credit bureaus. and found a input stating that i supposedly had an account ( furniture ) W/ XXXX XXXX ( XX/XX/2014 ) that i hadnt paid and ended up owing in the amount of {$620.00} and it was reported to be ( charged off ). I contacted all 3 credit bureaus disputing said item. they supposedly did their investigation and said account was verified. i did this twice with all 3 bureaus. I then contacted XXXX XXXX wanting verification of debt. I have enclosed the letter that they sent me. stating that : Due to lack of information, we were unable to research/verify the account in question. and in the same letter they asked for me to furnish them my info. I dont believe that i should help them mock up something against me. So i ask how is this validation of a debt. I also spoke with them over the phone, i asked for the them to remove, this from my credit profile, they said they wouldnt and that i should fight it out with the credit reporting agencies. So i in turn sent the credit bureaus a copy of this letter. and for them to delete incorrect / unvalidated info from my report. 30 days later all 3 of them reported that this account was verified and correct. So to summarize things i feel exhausted in trying to correct this. each one of them creditor/ crdit bureaus dont care, and are kicking the can to each other, and im stuck. im trying to get a mortgage, but some lenders tell me to fix this item before they can proceed. please help!!! i feel that if there isnt evedience, then its probably false, or not my account. i have a very common XXXX name. so they should remove it. thank you for your time
Consumer complaint received 2018-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America keeps changing my account types without notifying me. I initially signed up for 2 free checking accounts in XX/XX/2009. One of the accounts had a free service ( overdraft protection ), which was supposed to automatically transfer funds into it from the other linked account, in the event it's balance is low. 

The free checking account was changed, without notifying me, to a different checking account ( now referred to as Core Checking ). The free " overdraft protection '' now had a fee for each occurrence, and an additional monthly maintenance fee ( based on the new Core Checking account ) was being withdrawn from my account. 

These fees were withdrawn from my account for about a year before I noticed them. Perhaps it's just me ; I could have sworn that I had never seen the fees show up on my online account as I don't look at my online statements ( I opted to receive only eStatements ). 

I called to ask about the change and was advised that the account was no longer free and the fees associated with the Core Checking account. I was offered a new checking account option " eChecking '' to avoid fees, which I took. 
The eChecking account was online only. It couldn't be used with checks, meaning you couldn't write a check to someone from the account. 

Just this month, I got charged a monthly maintenance fee on the same eChecking account. Good thing I caught it on time this time around right? When I called the customer service center to find out the reason for the fee, I was advised that the eChecking account was no longer offered and they had defaulted me back to the Core Checking account - again, I wasn't notified of the change. 

I believe this is a standard practice for BOA. They probably make these unannounced changes, on purpose, to collect fees from their customers and increase their revenue. These are probably carried out through carefully written algorithms to target certain customers after considering potential revenue they could generate from a particular group of customers. 

I would like this issue to be considered seriously and investigated. I can guarantee I'm not the only consumer affected and used for this BOA 's revenue generation scheme.
Consumer complaint received 2018-06-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I have a loan with PENTAGON FEDERAL CRE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and PENTAGON FEDERAL CRE with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX and XXXX XXXX.