davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
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. (MN)

XXXX XXXX XXXX XXXX XXXX held the lien on a truck that was crashed on XX/XX/XXXX and insurance deemed totaled on XX/XX/XXXX. My monthly payments were due on the XXXX of every month. XXXX  XXXX XXXX XXXX XXXX was notified of the crash immediately and was informed that insurance would be paying off the remainder of the loan. My insurance company did not submit the check to XXXX XXXX XXXX XXXX XXXX until XX/XX/XXXX, and did not cover the remainder of the loan. At that time, Insurance made a payment of {$13000.00} on XX/XX/XXXX - 5 days late. However, they reported to Equifax that the XX/XX/XXXX payment was made by me 30 days late. Next, the remainder of the loan balance was paid on XX/XX/XXXX, in an amount of {$3500.00} - 20 days late. A paid in full document was sent by XXXX XXXX XXXX XXXX XXXX to me, with the stamped date displaying XX/XX/XXXX. However, XXXX XXXX XXXX XXXX XXXX reported the XX/XX/XXXX payment was made by me 60 days late. How is this even possible when the loan was paid in full 20 days after the XX/XX/XXXX payment due date? 

I sent a letter to the Director of Consumer & Real Estate Lending/VP at the Main Street location, requesting the corrections be made and false derogatory remarks be removed on XX/XX/XXXX, and never heard back. 

I filed a dispute with Equifax, who investigated and reported that the late payments were accurate - which again, is not even possible given the facts and the documentation XXXX XXXX XXXX XXXX XXXX itself has provided me. I attached supporting documents to the dispute that indefinitely proved inaccuracy on XXXX XXXX XXXX XXXX XXXX XXXX part, and proved the accuracy of my claims. However, these documents were ignored and the late payment remarks remain on my credit report. 

The documentation I have is an activity statement for my loan account in question provided by XXXX XXXX XXXX XXXX XXXX showing the dates and amounts received supporting my claims and disproving The XXXX XXXX XXXX XXXX 's late payment remarks. 
Also, the Paid-In-Full document showing a paid in full date of XX/XX/XXXX provided by XXXX XXXX XXXX XXXX XXXX that support my claims and disprove XXXX XXXX XXXX XXXX XXXX 's late payment remarks. 
Lastly, the claim outcome details, dates, and disbursement amount and to be paid to the loan by XXXX XXXX XXXX, provided by XXXX XXXX XXXX supporting my claims and disprove XXXX XXXX  XXXX XXXX XXXX 's late payment remarks.
Consumer complaint received 2020-03-05
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Harris & Harris, Ltd. (NV)

Good Morning, I have a very strange and particular problem which I have found no answers in a XXXX search. I will try to make it as short as possible. 

in XXXX got pulled in XXXX XXXX where I live. Forgot my purse and was ticketed and XXXX XXXX XXXX for Expired Drivers License and No prof of Insurance. Went to court and began to pay fines per month. Here is where the disaster begins. Lost my job and could not make a payment, ticket went to XXXX  and cost me an extra XXXX. After that the city of XXXX XXXX refers the fines to a collection agency Called Harris and Harris in XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX. Got back on track and began to make payments to Harris & Harris.. My fines were approx. 2,400.00 when it all began. Basically, 2 parking tickets, the Driving expired license, and No prof of insurance. 

Paid XXXX per month to Harris from XXXX to XXXX or XXXX. In XXXX a medical issues set me back and I called Harris & Harris to ask for a day delay in payment. I was told absolutely NOT. If they were not paid they Contact the court and have another XXXX  issued for failure to pay fines, which it totally understandable. 

Imagine my surprise when I received my tax refund and called the Courts to find out my balance. I was informed by the court that they have NOT received a payment on the Driving on the expired license, no proof of insurance SINCE XXXX. I have paid Harris and Harris over XXXX towards XXXX in total fines. They now say I currently own something like {$1600.00} on the expired license and XXXX on the no proof of insurance. The numbers from the Court show XXXX / XXXX total due. 

Harris & Harris had my birth date incorrect, my address wrong and does not have all the payments I have made. THey have not contacted the court, they took my money failed to pay correctly which ended up in a XXXX. They should be responsible for the extra charges inccured for payment I made to them, they just didnt pay the court. 

The level of stupidity is amazing, this is not my credit card but a court fine and my FREEDOM, I asked them to contact the court and for a full accounting two weeks ago and I have received NOTHING. The currently is a XXXX  fee, of XXXX for not making a payment when I have. 
What can be done here? I think at the very least my XXXX  fees incured because of failure, incompatence and or abject stupidity on behalf of Harris and Harris should be returned to me fourthwith
Consumer complaint received 2020-03-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NV)

In XX/XX/2019 I was speaking with XXXX XXXX with Mr. Cooper mortgage. I wanted to lower payment and not have a payment in XXXX of 2019. I paid my monthly payment XX/XX/2019. We closed XX/XX/2019 and was told by XXXX on the phone that I would not have a XXXX payment because of the refinance. I made XXXX and XXXX 's payment on time and they have sent me to collections and hit my credit for no payment in XXXX. I have also racked up late fees as well. I have sent payment as of XX/XX/XXXX to bring current but want them to honor what was promised, fix my credit, clear all late fees, and return the XXXX payment.
Consumer complaint received 2021-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TCF NATIONAL BANK (MN)

I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX. My Chapter XXXX Bankruptcy case was discharged on XX/XX/XXXX in the United States District Court District of Minnesota Bankruptcy Court. The debt I owed. TCF Bank was discharged in bankruptcy court. TCF Bank is discriminating against me and wont allow me to open up a checking account or apply for other TCF Bank products or services due to me having a previous debt with TCF Bank that was discharged in bankruptcy court under Chapter XXXX. TCF Bank is discriminating against me based on my race as well, me being XXXX XXXX XXXX XXXX ). TCF Bank is denying me credit and an opportunity to reestablish my credit. TCF Bank is in complete violation of the XXXX Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

Discover card took money from me and is holding my money unlawfully. I have a secured credit card with them with a credit line of {$400.00}. On XX/XX/XXXX, I called and requested a credit limit increase to {$1000.00}. The person on the line let me know I needed to put up the additional {$600.00} since it is secured. On XX/XX/XXXX, the {$600.00} was taken from my bank account. On XX/XX/XXXX, I received an email from Discover saying they had increased my credit limit to {$600.00}. I immediately called and explained I requested the credit limit to be {$1000.00}, not {$600.00} and explained the additional {$600.00} has cleared my bank account. They tell me they only see a request for a {$200.00} increase. I let them know this needs to be fixed or refund me the {$400.00}. I spent over an hour on the phone. I spoke with one Tier 1 agent and 3 supervisors. The 1st supervisor called the bank on the line with me and the bank told them the {$600.00} had cleared. This supervisor tells me since a different department handles the credit limit increases then she has to forward my issue to them to research and that can take 48 hrs. I asked her what is there to research when we just called the bank and verified {$600.00} was indeed taken and not {$200.00}. She said that's the way that department handles it. They have to do their own verification. I asked to speak with that supervisor. So I was connected to supervisor # 2. She tells me there is nothing they can do except call me back in 48 hrs. I told her this is unacceptable since the 1st supervisor already verified with the bank. I also let them know there should be a recorded call from XX/XX/26 because the girl on that day read a script and asked did I agree to the {$600.00}. She was inflexible and kept repeating that she can do nothing further as she has to research it. I asked for a supervisor above her. She connected me to supervisor # 3 who said he is the highest in the executive office. I let him know my attorney will be contacting them. He said the issue still needs to be researched. I asked him to explain what they are researching. He said they need to know what happened and why it happened. I let him know " what happened and why '' is irrelevant to me. Discover already has my {$600.00} and is refusing to increase my limit. He provided me an email address to send written authorization to speak with my attorney about my account. This issue remains unresolved.
Consumer complaint received 2020-03-05
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. (FL)

Contacted Experian numerous times since I was made aware about fraudulent accounts on my credit report but the company continues to report fraudulent accounts. I have sumitted an FTC Identity Theft Affadavit for these accounts but accounts still are reporting. These accounts need to be removed! 

1 ) XXXX  XXXX XXXX 2 ) XXXX/ XXXX  3 ) XXXX XXXX XXXX  4 ) XXXX   XXXX  5 ) XXXX XXXX
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Financial institution XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX XXXX. They repossessed my truck and once I made it aware that I had a payment ready to pay before they left with my vehicle I was told no. Immediately after my vehicle was repossessed I went to the location that they requested to pay the repossession check to get my truck out of the lot. Once I paid $ XXXX {$2000.00} to get my truck back out they put all the money towards the payment of the truck and then put {$500.00} repossession costs on my account. I called multiple times to get them and try to switch it because thats not how I asked for my money to be split up. They hung up on me. Harassed me did everything other than tried to help me. Ive requested lower payments on my vehicle because they are charging me the highest interest rate in the state of Ohio and I continue to not hear anything back. This company is very unprofessional and will do anything but try to help you. I had no choice but to go with this company because it was my first vehicle and I was just starting out with my business. I would like to file a complaint against this companyFor how rude and nasty they are with their customers.They have payment information wrong on my credit report and I constantly keep trying to file a dispute and they keep sending back XXXX wrong information. They are making it hard for me to get my credit back up so I can get another vehicle in the future///// last message New message : This company has incorrect information on my credit that is majorly effecting my credit. The facts regarding the repossessed vehicle is completely wrong. I had XXXX-XXXX in fees from the repo and when I went to go pay the money to get my vehicle out and pay the fees ( in order to get vehicle out fees have to be paid ) and then they throw all that money towards my balance of my vehicle and they tack on the extra fees on my account for when I go to make a payment over XXXX they take the remaining and put it towards the fines that were already paid. They are saying my account is 90 days late with the credit Bureaus and it is majorly affecting my credit. The Repossession facts are wrong. My vehicle was not repod the dates they are saying. My vehicle was only 30 days passed so before they sent someone in the bright early in the morning to tow my vehicle away even when I had the money on site to Give. I would like this company to update all the correct information with the 3 credit Bureaus or remove anything negative off my report. I will be filing with all bureaus.
Consumer complaint received 2020-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

Re ocwen loan XXXX I made my payments with Ocwen. Payments were missapplied. I called several times and was told there was no error. I finally reached a supervisor that said the matter was corrected. My bill was not correct for over four years. It was not corrected and an amount was demanded I did not owe and my house was placed in foreclosure. I tried several times but to no avail. I asked for a correct amount to pay and the amounts of money asked for the representatives could'nt justify.
Consumer complaint received 2020-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P. (CA)

Since XXXX of 2019 I have been trying to request the information regarding debt that is appearing from several companies collector 's ... All stating that XXXX/XXXX  is the original debt and amount was XXXX I do have XXXX by XXXX  but my account is current and both mine and my wifes phone are paid in full so I requested info from original creditor no response then no response from other companies besides it reappeared on credit reports.
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase Bank- {$5500.00} XX/XX/XXXX updated my credit reports to reflect inaccurate dates and inaccurate name on my account. Account was opened in XXXX. 

XXXX- {$450.00} XX/XX/XXXX, XXXX regularly updates my credit report to reflect inaccurate dates and inaccurate name on my account. Account was opened in XXXX. 

Both companies refuse to acknowledge my XXXX XXXX military status and apply my benefit of the Servicemembers Civil Relief AcXXXX. Both companies refuse to correct my legal name. 

The customer service representatives of both companies were rude, disrespectful, and unprofessional. Military personnel beware for both companies are not military friendly.
Consumer complaint received 2020-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kevin B. Wilson Law Offices (GA)

I just received a second letter ( XX/XX/2020 ) on a debt we have set up on a payment plan. ( XXXX Hospital ) We are in good standing with the debater. They are receiving and posting our payments to the account, but yet XXXX XXXX XXXX continues to try and collect on this same account.
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I purchased furniture from a local XXXX on credit on XX/XX/2019. XXXX uses Synchrony Bank for financing these types of purchases. I have never received a billing statement fro Synchrony Bank despite several requests. As such, I dont even know my account number.
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

I had a XXXX limit on my credit card, for which i never missed or was late on payments. I base my spending on these limits as do most normal people. As soon as I made a large payment of XXXX, they cut my credit limit and will not let me use that amount. They stole it from me. I never would have made a payment that big if I knew that they would cut my credit limit. This affects not just spending, it affects my credit scores dramatically. it's not right. they blame it on XXXX  which is not true. It's because I made a large payment and they saw an opportunity to screw me. All I want is them to honor the credit limit I had before they did this to me. It's outright theft of my credit. They cut my limit by XXXX the days after this payment was made. it's got to be illegal I want to sue them.
Consumer complaint received 2020-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (TX)

My account was closed with no warning leaving me with no funds available. I reached out to the bank and was told nothing. The reps I spoke to were very rude and no help at all. I still have yet to receive my funds that were in the account.
Consumer complaint received 2021-01-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (MI)

The amount owed was XXXX. I dont know why but it is now up to XXXX. Every time I try to dispute it they add money. I have told them they are violating the hippa law. Ive complained to XXXX several times about this issue and they removed it one time but put it back on my credit after a few days. The account is Capital Accounts I have no ideal why they keep increasing this debt.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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 2020-03-04
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. (CA)

I applied for a XXXX XXXX XXXX credit card today XX/XX/2020 and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter.
Consumer complaint received 2020-01-18
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. (NV)

. I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

I have contacted XXXX XXXX ( inquiry XX/XX/XXXX ), Experian Business Credit ( XX/XX/XXXX ), and XXXX. I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Consumer complaint received 2020-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

I am XXXX XXXX and I would like to request you investigate my Discover bank account with account number XXXX. I am a victim of Identity Theft. I am writing to request that you block the following fraudulent information from my credit report