davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (NY)

I received a letter from Dynamic Recovery Solutions stating that owed {$3000.00} to XXXX XXXX XXXX XXXX XXXX and that the original owner is XXXX XXXX. I do not owed any money to XXXX XXXX or XXXX XXXX Services. I wrote a letter to Dynamic Recovery Solutions disputing this debt and requested proof that both the debt and the creditor are valid. This is a scam and I do not want this to affect my credit report.
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (CA)

Its been over 30 days and I've reached out several different times. These Companies hasn't responded or opened my request to dispute any of the items I have requested to dispute. XXXX and XXXX   both just opened a dispute today XX/XX/2020, when the initial request and complaint was submitted XX/XX/2020. By Law they are not complying and its not fair I am now Requesting that they remove all unverified items from my credit report. The Law requires them to respond within 30 days. Failure to comply with these federal trade Commission ( see 15 USC 41, et seq. )
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and is see a list of derogatory items that are not mine including bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and his information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX   XXXX {$8000.00}
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group (TX)

I contacted the collection agency to pay off the debt to erase the derogatory mark off my credit report. The collection agency reported that the amount I owed was more than the final statement I received from the original company. I disputed the debt owed with the credit bureau and the results were that the collection agency reported that the balance is being reported correctly when in fact it is more than what I owed the original company.
Consumer complaint received 2020-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (GA)

Kia Motor Finance Company is not allocating the correct interest to the principal. There has been numerous contacts made to Kia to fix this and they have yet to fix the error. Each rep that has been spoken to has acknowledged the error, to include supervisors and stated to wait '3-5 days for corrections ' and each time nothing has been corrected. Spoke with XXXX on XXXX XXXX to ask why the fees hadn't ever been calculated correctly and she stated because 'you will have to pay {$2500.00} a month for any of the payment to go towards the interest. ' Of course we knew this was wrong but for her to say it more than once, we decided to check our contract -which we can not locate on the web nor received-and call back. At this time, we had begun to make payments ( over-payments ) weekly at the time but the interest rates were not correct nor was the principal going down. Spoke with XXXX on XXXX XXXX who also saw the discrepancy ( to include giving us the interest rate XXXX and stated she was escalating the case and it would take XXXX days. No changes were made. On XXXX XXXX, spoke with XXXX who also stated she saw the discrepancy and stated she would escalate it and to give them 3-5 days. No changes were made. XXXX XXXX called back spoke with XXXX who claimed that he was looking into it, hung up but never called back although he asked at the beginning of the call for the call back number in the event we were disconnected. Called right back and spoke to XXXX who also saw the discrepancy. She escalated it to supervisor XXXX who also saw the discrepancy and he stated the same as the others, he would escalate it but only he said to the supervisor of the department and allow the 3-5 days. The supervisor was informed that a change needed to be made or we were going to take further action to include possible class action. No changes have been made as of yet. This is absurd! If they are doing this to us I'm sure they are doing this to millions of their 'consumers ' This is not only robbing us blind, it is effecting our credit scores by showing higher balance due which is not the case. Also, with this being said, the current interest is not only not calculated correct, it should be lower by now. This has to be stopped! They need to be investigated.
Consumer complaint received 2020-09-11
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)

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$7.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in 2015. I contacted a customer service representative with XXXX XXXX XXXX regarding this outstanding balance. I was never sent a bill nor did anyone ever contact me about any outstanding balance. I did not know that this account had gone to collections until I obtained my most recent copy of my credit report. This account needs to report a {$0.00} balance. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-09-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AL)

In XXXX, I bought my home with my VA loan and since then I refinanced it twice. Well over the years I been paying half of my mortgage for my primer home mortgage every two weeks. Well, since Mr. Cooper ( aka Nationstar Mortgage ) bought my last mortgage  company they claimed that I have miss paying my mortgage on time because their system is not equipped to receive my payment every other week. Therefore they charge me late fees but my original loan paper states that I am allowed to pay half of my mortgage every other week. Well, Mr. Cooper send a letter several times claiming they do not care and they require that I must sign a whole new contract with them before they even honor my original mortgage. 

On Tuesday XXXX XX/XX/XXXX, I received a letter dated XXXX XX/XX/XXXX from Mr. Cooper stating that my mortgage loan is in default again which is a total lie since several times a year they receive more then 2 payments in a month. Some months they receive 3 payments. Also each payment is actually more then half of my actual mortgage payment. The payment is actually {$50.00} more. 

My mortgage payment being made every other week is {$560.00} I filed a several complaints with the XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Texas and the Veteran Administration against Mr. Cooper ( aka Nationstar Mortgage ) each year since they bought my mortgage with no resolve but Mr. Cooper charging late fees. 

I done research that Mr. Cooper has a very low rating as to handling VA loans. 

Mr. Cooper address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX
Consumer complaint received 2015-08-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, 2015 my husband and I traded in our vehicle which still had a loan with Wells Fargo but had equity and used it as a down payment on a new vehicle. We traded it into the dealership XXXX XXXX in XXXX XXXX, CA. Two months later we bang receiving collection calls from Wells Fargo stating that we were behind XXXX payments. I informed them that we had traded the vehicle in and they stated that it had not yet been paid and was now being reported as delinquent to our credit. We kept trying to get in contact with the dealership but all they would say is that we were no longer liable and they would look into payment. On XXXX XXXX, 2015 Wells Fargo received a payment from XXXX XXXX for all but {$83.00} of the balance of our trade in. When we contacted the dealership about this they said that the lady that handles the pay offs will be out of town for XXXX weeks. In the meantime, we continue to receive numerous collection calls and our credit is still suffering because of it. Neither Wells Fargo or XXXX XXXX will help us with getting this resolved and expect us to pay this amount to stop the collection calls. While it is a small amount, it is unfair to force us to pay the penalty because of XXXX XXXX mistake. It is also not right that our credit is now showing delinquency because XXXX XXXX did not take care of their responsibility.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

I am having some serious issues with Experian Credit reporting. The two other agencies XXXX XXXX and XXXX have data about  my credit score, however for some reason Experian keep saying that I do not have enough credit history, and due to this I keep getting denied whenever I apply for credit cards. This is unfair to me and must be rectify. I did put a freeze on Experian due to some issue with falsification. When that freeze was in place I was able to have success with XXXX and XXXX XXXX. I was able to get back on board and I was doing very well with creditors such as my banks. As a matter of fact my issues were fixed. Now apparently any new credit check goes directly to Experian and I am getting denied all the time. This is a concern because I have young children to assist with schooling and without getting any approval will make things very complicated. Please look into this for me. Thank you.
Consumer complaint received 2018-10-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Payments Check Services, Inc. (CA)

They overcharged me with team toon fee by XXXX dollars and the fee was paid each time they sent it a total of five tranctiona were paid for and they were the incorrect amount each time they originally corrected the amount but have taken it back and now are collecting a wrong amount.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

on XX/XX/2020 I telephoned Equifax to lift a freeze on my account in order to have my new mortgage company obtain my credit information in order to refinance my mortgage. The detailed process took at least 39 minutes and I was assured the freeze was in place until XX/XX/2020 and given a confirmation number. 
My mortgage company was unable to get my information from Equifax and I tried several times on XX/XX/XXXX to get someone to confirm my account was no longer frozen. 
I was on the phone with them for hours and ultimately they were unable to help me even by using my previous confirmation number. 
Many times I called and was told their systems were down. 
Given their recent data breach, they are obviously being extra careful but from what I see on line, their inefficiency is making it impossible for people to conduct business. 
Both XXXX  and XXXX  were easy and efficient and lifted my freeze immediately. 
Because of the mess at this company, I may not be able to get my mortgage refinanced as they demand reports from all 3 companies.

Please consider putting Equifax out of business and finding another company. that can provide efficient and trust-worthy information.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, {$2800.00} was charged to my Citi credit card by XXXX GA. Although I was a XXXX customer, I was a customer in Illinois and this was not my normal monthly billing amount of approximately {$250.00}. I disputed this charge with Citi and it was removed. 

On XX/XX/XXXX, {$3200.00} was charged to my Citi credit card. Again this was the fraudulent XXXX GA charge, however Citi only temporarily reversed the charge and informed me that this was a " real '' XXXX bill. I believe that being a real XXXX customer gave them that conclusion. Although I have on two separate occasions supplied them with my billing history from XXXX showing this was not my account, they continue to insist that the activity is real. I have called countless times to discuss this with both Citi and XXXX over the following 14 months to follow up with any requests from Citi. I was told several times that " investigators '' were " looking into '' the dispute and that they have concluded it was a real charge. 

On XX/XX/XXXX, I was informed that the name on the XXXX bill provided to Citi to substantiate the charge was " XXXX XXXX '' ( spelling was not provided ) and the address was in Louisiana ( again my real billing/home address is XXXX ). It is worth noting that I have been asking for this information repeatedly and was promised it would be sent. It never was and only supplied to me over the phone this one time. After this revelation, Citi apologized for the issue and stated that the charge would be removed in 7-10 days. I followed up on XX/XX/XXXX and XX/XX/XXXX to inquire as to the status. 

During the XX/XX/XXXX call Citi to report this to the FTC which brought me here.
Consumer complaint received 2020-09-11
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. (FL)

XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$7.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in 2015. I contacted a customer service representative with XXXX XXXX XXXX regarding this outstanding balance. I was never sent a bill nor did anyone ever contact me about any outstanding balance. I did not know that this account had gone to collections until I obtained my most recent copy of my credit report. This account needs to report a {$0.00} balance. This false reporting of a chargeoff is seriously harming my XXXX XXXX and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one generates statements on a regular basis every 19th of the month, and due dates every 16th of the month which is a 30 day cycle. However, if you have a cash advance transaction, this is left out on these statements and no way to know that there is a balance calculating interest even after you pay a statement fully. This has happened to me and I feel its misleading. They should include all transaction on some form of statement otherwise innocent unsuspecting consumers continue to pay full statements but suffer interest on cash advances they did hoping it was factored on closing the statement. I'm willing to demonstrate with statements.
Consumer complaint received 2020-09-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: MIDFIRST BANK (MD)

I HAVE FILED NUMEROUS WRITTEN COMPLAINTS AGAINST YOUR CONSUMER FINANCIAL PROTECTION BUREAU AND ITS REPEATED REFUSALS TO PROTECT THE CONSUMERS. CONGRESS NEEDS TO IMMEDIATELY DE-FUND THE CONSUMER FINANCIAL PROTECTION BUREAU DUE TO ITS REPEATED INABILITIES AND REPEATED REFUSALS TO PROTECT THE CONSUMER.THIS COMPLAINT IS RELATED TO THE ONE THAT MY BROTHER, ATTORNEY XXXX XXXX HAD PREVIOUSLY FILED WITH YOUR NON PERFORMING CFPB. ON OR ABOUT, XX/XX/XXXX MY BROTHER, ATTORNEY XXXX XXXX HAD OPENED UP AN ONLINE SAVINGS ACCOUNT WITH YOUR VIO ONLINE BANK DBA MID FIRST BANK XXXX XXXX   XXXX, OKLAHOMA. ALL OF THE MONEY THAT WAS DEPOSITED INTO THIS VIO ONLINE BANK ACCOUNT BELONGS TO MY BROTHER, ATTORNEY XXXX XXXX. I, XXXX XXXX HAD RECEIVED A LETTER FROM YOUR VIO ONLINE BANK THAT STATED THAT THE VIO ONLINE BANK HAD THE RIGHT TO CLOSE MY ACCOUNT. THE LETTER HAD ALSO STATED THAT ALL OF MY MONEY WOULD BE MAILED TO ME IN A CHECK ON XX/XX/XXXX. IT IS NOW ALMOST XX/XX/XXXX AND I HAVE NOT RECEIVED MY MONEY. A VIO BANK 'S SPOKESPERSON KNOWN AS " XXXX, LAST NAME UNKNOWN '' HAD REPEATEDLY STATED TO ME THAT MY MONEY WAS RETURNED BACK TO XXXX THROUGH AN AUTOMATIC CLEARING HOUSE ( ACH ) TRANSACTION. HOWEVER, XXXX HAD REPEATEDLY STATED TO ME THAT THERE IS ABSOLUTELY NO HISTORY OF VIO BANK AND/OR MID FIRST BANK ATTEMPTING TO RETURN ALL OF MY MONEY. FURTHERMORE, THE XXXX ACCOUNT THAT WAS PREVIOUSLY LINKED TO MY WRONGFULLY CLOSE VIO ONLINE BANK ACCOUNT IS NOW CLOSED. I, XXXX XXXX AM DEMANDINFG ALL OF MY MONEY BACK PLUS ACCRUED INTEREST MADE PAYABLE UP TO THE DATE THAT I HAVE ACTUALLY RECEIVED MY VIO BANK 'S PAPER CHECK/CASHIER CHECK THAT ACCURATELY AND CLEARLY SHOWS A PAYMENT AMOUNT OF ALL OF THE MONEY THAT WAS DEPOSITED IN THIS NOW CLOSE ACCOUNT PLUS ALL INTERESTS UP TO THE DATE THAT I, XXXX XXXX HAD ACTUALLY RECEIVED THE PAPER CHECK/CASHIER CHECK.
Consumer complaint received 2018-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/18 XXXX withdrew {$18.00} from my account which I did not authorize. What I did authorize was a single report for {$1.00}. I contacted my bank and on XX/XX/18 they removed {$17.00} until their investigation was complete. Now on XX/XX/18 they reversed the credit and charged me {$17.00} which I did not authorize.
Consumer complaint received 2020-10-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Credit acceptance is working with me so far in regards to monthly payments during this covid pandemic, severe crisis. I'm concerned about the major interest and added of thousands of dollars on my loan. My XXXX  XXXX XXXX, 14 year old vehicle, with over XXXX miles, was agreed on at slightly over {$13000.00} at XXXX XXXX XXXX in XXXX XXXX FL. This is a used car dealership only. After looking over my terms after the deal was struck. My loan is now over {$22000.00}, thats a {$9000.00} in interest. Submitted refinancing request, not sure if it was received or reviewed. Not sure, but I feel that I'm over paying A LOT, for an old vehicle. Yet I will say Credit Acceptance had been working with my payments due to covid pandemic and I appreciate that, and thank you.
Consumer complaint received 2020-09-11
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. (NY)

I submitted a dispute letter regarding inaccuracies on my report on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't receive a response. To my knowledge the company has 30 to 45 days to respond to my dispute. They are in violation of the fair credit reporting act. These inaccuracies are  drastically effecting my credit score. 
I understand we are in difficult times but these inaccuracies must be corrected. Thank you and God Bless.
Consumer complaint received 2015-11-23
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: RMK Financial Corp (FL)

On XXXX XXXX, 2015 me and my wife closed on a refinanced loan with Majestic home loans ( which is now serviced by XXXX ) which agreed that my mortgage payment which was at the time XXXX monthly an owned by nation star mortgage would be lowered to XXXX monthly if we agreed to a refinance offer with there company because of the change in lower fha mortgage insurance rates and requirements.. We did agreed and signed documents to cloan our new loan. On Friday XX/XX/2015 we received a letter in the mail dated XXXX/XXXX/2015 thats states " At the time of closing your loan, your taxes were calculated on the land valude only instead of the entire property ''. For that error majestic home loans stated that our monthly mortgage payment will increase from XXXX monthly to XXXX. So now we are paying more for a mortgage than we were initially paying for our original mortgage which i think is totally wrong and we certainly would not have agreed to this had we know this would be this issue. We even had other offers and GFE 's from different lenders but chose to go with majestic home loans. I think this was very deceitful on there part and most likely fudged numbers to get our business. Instead of saving money we are now having to spend more money which is not right.
Consumer complaint received 2015-11-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Approximately three weeks ago I did an Electronic transfer from my account to my wife 's account. Instead of sending The transfer electronically Huntington sent a check to my wife lives with me in my house. So I called Huntington Banks and told them that they made a mistake and sent a check to my wife instead of an electronic transfer. I asked to my money back, and they said the only way to do it was to stop payment on the checks and to reverse it back to my account. I said ok, would there be any fees he said no but if there are then just call us and we will reverse them. There were XXXX transfers did XXXX for {$100.00} and XXXX for {$1200.00}. The reason for the transfers was to put money in my wife 's account who is with Huntington also. I was charged {$31.00} twice. I called the back and after rudely speaking with me they revered only XXXX the fee 's. I am so mad I am a poor working man and I do not have an extra {$31.00} to give Huntington. I have never been charged any fees with at all never made a mistake, but I did the transfer as they recommend I do at the branch. they tricked me and I want my money back. I am filing complaints XXXX. Please help. The manager that assisted me the first his name was XXXX and the XXXX manager who was rude was XXXX. I just want my money back the {$31.00} dollars and an apology for the way I was treated, it 's like they do not care.