davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I n  XX/XX/XXXX  I go  t a call from IQ data collec ting a debt in the amount of  XXXX  dollars ; at the time I believed this to be the  XXXX  dollar bill which I paid from  XXXX   XXXX  for a move out charge which turned out to be on a different account. Then I discontinued contact with  IQ dat a. In   XX/XX/XXXX  we discovered that the amount IQ data was charging us for was another amount arbor terrace put  on our account as a damages and others fee ; we then went into     XXXX   XXXX   and resolved the debt, we were not given a receipt. Come   XX/XX/XXXX  I beg an trying to te ll IQ data that the deb t was resolved but they insisted on me sending proof, by  XX/XX/XXXX  I had for gotten that I did not get a receipt so I believed I h ad one.   By the time I had discovered that I had no receipt    XXXX   XXXX   had s witched management companies from    XXXX   XXXX  . N ow neither of them claim to have my receipts but they both do n't have any debt under my name either. So now the only people who are still trying to collect are t he debt collectors of  course who wont be satisfied unless I pay or cough up a receipt for a debt that no longer exists.
Consumer complaint received 2020-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

I have had an account with Santander Consumer USA since XXXX of 2016 i originally purchased the vehicle for XXXX the contract i signed was a 72 months lease. Although i have deffered some payments i noticed that i still owe XXXX i viewed my statements and all of my payments are going towards the interest loan theres no way that all of my payments down to the XXXX should be going towards the interest only. In these 4 years i have paid over {$32000.00} to santander and not XXXX cent went towards interest. I want either my money back or the title to this vehicle and the vehicle removed off of my credit report. below i have attached a copy of my statements that show all of my payments are going towards only the interest.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MI)

I settled an account with Ashley furniture/sychrony bank  after my ex wife opened an account using my information. I paid roughly half they agreed to remove settled account within 60 days. Instead they reported I was working with a credit counseling agency which Im not and shows a balance instead of XXXX. Wrong info being reported is a violation and must be removed, both the bureaus and the company keep verifying it accurate which is untrue and illegal
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX, XXXX  XXXX XXXX filed suit against me in XXXX XXXX, OH XXXX XXXX ( Case No. XXXX ) seeking {$4500.00} for allegedly delinquent credit card debt. I filed an Answer denying all claims and raised affirmative defenses. Attorney XXXX XXXX represented XXXX who failed to produce the required documentation to prove its case. With its Complaint, XXXX filed a false affidavit of its North Carolina employee, XXXX XXXX, who was caught giving false affidavit testimony in prior XXXX   collections lawsuits. I requested a jury trial which was scheduled for XX/XX/XXXX. But, on XX/XX/XXXX, XXXX dismissed all claims with prejudice. Because XXXX  never proved its claims before it dismissed the entire action forever, it should have removed the matter from my credit report but it refuses to do so. I filed multiple disputes with credit reporting agencies. XXXX 's attorney, Ms. XXXX, has not acknowledged or responded to my email requests. There is no basis in fact or law for this alleged, completely unsubstantiated debt to remain on my credit reports for 2 years after we litigated this for over 1 year before XXXX dismissed its lawsuit before the scheduled trial.
Consumer complaint received 2020-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

Back in 2016 I got a loan from " SPEEDY CASH '' in XXXX, CA fro {$4500.00} which I was making monthly payments on it ; then I lost my job and I couldn't pay the amount I was told, I went to their office to try and making a new payment arrangement but they denied me that help, they told me to wait and the more I waited the more interests it accumulated, this company charges ridiculous interests very very high ; which is 95.620 % annual, and every time I did a payment I never saw the total amount going down it was always the same because of the excessive interests, after the help was denied, I noticed they put me on collection with adding {$1900.00} more to the interests ; I called the collection company " XXXX XXXX XXXX XXXX '' and I try to do a arrangement and they also denied me help after that this collection tried to cash a check for {$6300.00} from the account without my authorization ; I truly ignore the very high annual interests, Speedy Cash Loans is a very bad company I will never recommend this to anybody ; for {$4500.00} you will end up paying the ridiculous amount of {$15000.00} after you are done with all the payments, meaning that the Financial charge is {$11000.00} plus the {$4500.00}. Please somebody do something about this ; this company should not exist or they should lower the interests.
Consumer complaint received 2015-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: IQOR US INC (CT)

I have been XXXX contacted by Allied Interstate attempting to collect a debt on behalf of XXXX. A call to XXXX confirmed my account with XXXX was paid in full when the account was closed.
Consumer complaint received 2020-08-28
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. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit report.
Consumer complaint received 2020-09-23
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. (AL)

I contacted Eperian explaining to them that I did not apply to these companies and did not give anyone permission to review my check. Requesting them to please delete these inquires XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  USA , XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX  Their response was We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. I sent the complaint and asking again that these inquires be removed.
Consumer complaint received 2020-09-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: WELLS FARGO & COMPANY (FL)

I have student loans with wells Fargo. They differed them for 6 months. XXXX to XXXX Now they are coming out of deferment. I called today and they said they will not deffer anymore. They offered a loan modification but my cosigner would need to be willing to participate. My cosigner no longer wants to be involved and I can not qualify to refinance them either. I currently had a baby and my hours have been drastically reduced. I either put food on the table or pay my student loans. I want to protect my credit since I am trying to buy a home. Wells Fargo will not work with me. I have never missed a payment and do want to to start now since this is all beyond my control. I need help.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (VA)

My mortgage was sold from XXXX to XXXX XXXX ( XXXX ) on XXXX XX/XX/XXXX and XXXX XXXX failed to honor the original terms of the mortgage. When my loan was with XXXX, it was covered with XXXX credit reporting suppression ; however, XXXX XXXX failed to honor this coverage and disregarded my original coverage. I am XXXX XXXX XXXX XXXX and XXXX XXXX ( moved from XXXX to XXXX ) and during the COVID they still reported late payments to the credit bureaus, even though i notified them in XX/XX/XXXX that i was selling the home and asked for the COVID forbearance. However, the main issue is that my mortgage was protected from credit bureau reporting per my XXXX XXXX assistance.
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

XXXX XXXX, just to verify your claims in your response dated XX/XX/2020 regulatory case # XXXX XXXX. Why do you waste the paper by sending a copy of Transfer of Service Notice? You like to pad your responses with useless, senseless documents i never asked for so of the 24 pages you sent only one page has responses to the questions, 12 pages were wasted on the Notice, 2 pages were XXXX was Escrow Act History, useless, 6 Bayview loan statements again useless, and one XXXX XXXX Notice from XXXX XXXX.
Consumer complaint received 2015-06-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (FL)

This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
Consumer complaint received 2020-08-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Today XX/XX/XXXX, XXXX XXXX from ShellPoint mortgage servicing called me and told me she wanted to help me but I had to tell her how because my complaint it is all over and i told her it is a response to all the fees and extra charges they say I owned them She told me in current up today then I explained to her that when I got my loan modification With a lawyer help and the court too. I got 2 loans. The first one was for the new charges escrow and lawyers fees and few other charges and the other one was supposedly for what I owed in the house. she told me she did not know it and she is going to look into my loan modification contract and she will be back to me. And my new complain is about it they have my mortgage loan for less than a year why they keep Harassing me when they don't even know anything about my loan. they came and took over change my 2 loans into one they keep charging me for a late fee I was not supposed to have until I finished to pay one that was the government help I had at the time corrupted XXXX  XXXX XXXX never charged me for any late fee or extra charges but they sold my account to the other corrupted company XXXX XXXX and shellpoint mortgage to change my loan terms. first they say I was into a bankruptcy and that was a lie they claimed I owed {$5000.00} or more and now they are saying the extra money I've been sending them it is for late fee they keep making claims that they invent
Consumer complaint received 2020-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (HI)

I purchased a cordless vacuum from a third party vendor on XXXX, the XXXX XXXX XXXX, on XX/XX/XXXX. I received the item on XX/XX/XXXX. I used it for a week or two before it completely stopped functioning and sucking up anything from my floors. I tried everything from fully charging the battery to turning it on and off again to trying it out on hardwood flooring versus rugs. Nothing worked it merely pushed the dirt around or would spit it right back out all over the place. I called XXXX to request an immediate refund as the product was inoperable and damaged. But because this was obtained from a third party seller, XXXX, XXXX could not issue me one. I attempted to contact the company to which they told me to simply charge the battery or to send the broken vacuum back. After trying those two routes, I decided to contact my credit card company, as I did not believe it was appropriate for them to request for me to return the damaged product in an oversized box ( which I did not have ) in order to receive a refund. Please note that I also live in Hawaii where mailing back items of this size is a large inconvenience for a broken product that I have since thrown away. This was XXXX XXXX mistake for selling me a broken product that didn't work and for refusing to refund me. A dispute was filed with my credit card company, Citicard, but I just received notice on XX/XX/XXXX that the {$100.00} charge was resolved in XXXX XXXX favor. This was an unjust service all the way around, including the credit card company, and it does not sit right with me. The product is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are many reviews of customers who have had the exact same experience as I have and so I know that I am not in the wrong and this should have been handled in my favor and much more appropriately. I believe this company is doing shady business. Thank you for your time.
Consumer complaint received 2020-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

In XXXX of this year, I disputed a collection account on my Transunion credit report by XXXX XXXX for a XXXX bill that i do not owe. Transunion investigated this and removed it from my report. When I checked my credit score today it had fallen 34 points because a different collection company bought the XXXX account. The name of this company is XXXX XXXX. I have written this company and showed proof of cancelling this account and still they are reporting this. Also, three accounts were removed because they were over seven years old and included in a bankruptcy. This further dropped my score 17 points. When an account is removed from your credit report, doesn't your credit score rise? What will happen in XXXX when my bankruptcy is removed? Will my credit score fall again? This is ridiculous!!! All credit bureaus should be one and all information is reported, not just picking and choosing which company to report to. Judging a person 's life by a number is moronic and unfair for those honest people who don't have the financial stability of others who aren't so honest. I think we should give a number to someone's character and integrity. This would put a lot of people who have high credit scores in the lower range and those with lower credit scores in the high range. Perhaps we could all judge the credit bureaus and give them a score. I would give them a 300. ALL OF THEM! That's being generous. So, if I am to be someone in life and be judged by a number, at least be honest about it Transunion, XXXX  and XXXX. These clowns need to be shut down. They are destroying people.
Consumer complaint received 2020-08-30
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. (NY)

After reviewing my XXXX XXXX, Equifax credit profile I seen an inaccurate account reporting a late payment back in XX/XX/2019 for an XXXX account. I was never late on this account.
Consumer complaint received 2017-06-16
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ditech Financial LLC (IN)

XXXX   DI TECH Financial LLC   XXXX .  XXXX   XXXX   XXXX   XXXX  SD, XXXX  Contacted them o n 3  different occasions and offered to provide them with any documentation needed to get this off of my credit. This account does not belong to me.
Consumer complaint received 2020-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

Shellpoint Mortgage Company has not given a full refund as stated in an email received on XX/XX/2020 at XXXX. Shellpoint Mortgage Company has withdrawn the following insurance premium disbursements from my escrow account : XXXX {$490.00} XXXX {$450.00} XXXX. {$67.00} On XXXX, Shellpoint Mortgage Company has decided to return {$490.00} to my escrow  account on the day for Escrow Analysis. This amount is less than the {$490.00} insurance premium disbursement that was withdrawn on XXXX. On XXXX Escrow Balance was {$670.00}. On XXXX Escrow Balance is {$1100.00}. Shellpoint Mortgage Company has not returned the additional amounts of {$67.00} and {$450.00}. My actual escrow balance should be {$1600.00}. Shellpoint Mortgage Company has instead stated that after Escrow Analysis a shortage of {$1200.00} and an increase of mortgage payment to {$880.00}. Shellpoint Mortgage Company has intentionally not refunded all the insurance premium disbursements and is stealing funds from my escrow account. In addition, Shellpoint Mortgage Company is making false claims about a shortage being  present when the fact is that my escrow account has a surplus and the mortgage payments should have decreased. This is against the law.
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

I have a credit card wi th Citi, sp ecifically their Citi/AAdvantage  XXXX   World Mastercard .   XXXX   Citi changed my billing from paper statements ( sent via mail ) to  electronic billing without my authorization. Because I was not receiving statements, and was n't thinking about the card, they accrued late fees and interest charges that I would have avoided if I 'd received the bill.   XXXX  When I called to challenge the fees, I was told that I must have been the one who made the change and that they would do nothing.   XXXX  I feel I have been "  XXXX   XXXX  '' b y Citi. I  keep all my records in paper and most certainly did not change away from paper statements. The only explanation is that they did it.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (AZ)

barclays bank fraudulently opened a credit card in my name, when i requested them remove it, and contacted XXXX they responded that they would correct it, but all they did was close the account. i have been alerted by my monitoring service about the opening of a new account it dropped my score XXXX pts, now closing it cost me another XXXX pts, ( see attachments ) can tiu please help me. i want it REMOVED, not opened and closed.please
Consumer complaint received 2020-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX has not acknowledged my request for accommodation to credit reporting in accordance with CARES Act ( section 4021 ).

Although I have attempted mail and phone correspondence I have not received a response nor acknowledgement of my dilemma.

Earlier this year my wife was terminated from her job of 13 years due to the COVID-19 Pandemic. Amid the stress and chaos during this  period there was a lapse in accounting for my XXXX XXXX account. Typically, I keep the card paid in full perennially so I dont have to worry about the monthly bill. XXXX XXXX  reported 30 day late payment to all credit reporting bureaus. The balance on the XXXX XXXX card is minimal and the companys fees can make it easy to lose track of a card that rarely gets used. 

XXXX XXXX touts XXXX XXXX Secured XXXX card as a tool to improve credit. 

Ironically, I have had the {$200.00} XXXX XXXX ( Secured ) card since XX/XX/XXXX and although I have multiple credit cards with other banks like XXXX  XXXX and XXXX with higher limits, this is the only card with a delinquent payment on my credit report. The 30 day late that was reported in XX/XX/XXXX is the only late credit card payment on my credit report which has a severely detrimental impact on my family. 

The opportunity to have late payment record for XX/XX/XXXX deleted due to turmoil during the COVID-19 pandemic would demonstrate professional courtesy, empathy and consumer loyalty during these trying times. 

The 30 day late report for the month of XX/XX/XXXX should be removed from all credit reporting agencies pursuant to Cares Act ( section 4021 ).