davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Liberal Finance Service (FL)

I been financing my car through liberal finance service In XXXX NJ I lost my job on XX/XX/2020 and I havent been working since then I was even delayed to start my new job cause the courts was closed since the pandemic been happening I informed liberal the situation with me not working and Not being able to make a XXXX or XXXX payment for my car note the lady XXXX even said They will have to keep calling every FRIDAY to follow up which was okay till I noticed she kept calling my phone everyday and even XXXX to ask for the payment and leaving me voicemails telling me I have to make at least one payment I keep informing her I have not started my job and I even put in for unemployment I even been sending pictures to the email she provided and she claimed they have not been receiving it and she even gave me a phone number aswell to send the picture to and I even sent two pictures with the times shown that the unemployment have been still pending I been waiting two months for the unemployment havent got a word yet she called me XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX And the XXXX XXXX XXXX and XX/XX/XXXX she claims whether I like it or not she will keep calling until I make a payment I have a choice to make a payment at this point or provide a place for my XXXX children and I will provide a place for them I even offered to make some type of payment she told me I will have to make a full payment I even been doing my car insurance through them and she just now telling me I have no more car insurance with them either and I was paying since last year on time payments with car insurance and she telling me I have to get my own insurance now since they dont provide that no more They also sent a email to me after attempting to call me Friday and not answering and I sent a pic back to that email they sent to me and she said they have not received that one at all It feels like harass me if I cant make a payment and Im offering to pay at least something they just reported me to the credit bureau and I been literally making my payments on time since the pandemic I dont know what else I can provide to show proof
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

I have made payments that reflect 3-4xs the minimum due both in XXXX and in XXXX on my XXXX XXXX  credit card. I logged in to make an early payment this month to make sure I get that in to avoid late fees. When I logged in saw a banner in red on my account stating that my account was closed and I can't use the card. 

I called the credit card issuer Synchrony Bank and I was told that a credit report was run and my account was closed as a result of that. 

The problem I have with this is that I was up to date on payments and yet they check credit and close my account? Closing the account adversely affects my credit score even more. I have seen card issuers reduce credit limits because of this but can you really force closure of an account that is paid to date? Doesn't seem very fair that they punish my credit score even more especially when payments were in for the last two months and they were allowing me to use the card on two recent occasions for a total of about {$100.00}. 

They have in affect stricken down my ability to work my credit back up by closing my account without any notice to me and because they " checked my credit '' and just closed my account.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OH)

In XXXX I had a promotion that was expiring. I didnt receive notice from company they stated in XXXX one month before the expiration of the promotion I went online and requested online billing which I never did. Then in XXXX when I got noticed that my balance have increased through application I use I contact them and I was told they will fix it and send me a copy of the bill and extend it to allow me to pay. I never received. They stated because of Covid. Then now almost four month still same issue and not they say they cant do anything.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Experian is reporting a XXXX XXXX account opened in XXXX that was included in a Bankruptcy as past due from XXXX until XXXX. I have asked them on many occasions to remove the past due reporting but they refuse. They have stated that the account has been updated but it shows that the account was last updated XX/XX/XXXX. There should be no past due information reporting. This is hurting my credit score and preventing me from purchasing a home. Since they claimed that this account was updated, my credit score has dropped 25 points. They are reporting misleading and false information.
Consumer complaint received 2020-06-03
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$21000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-06-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eagle Recovery Associates, Inc. (GA)

On XX/XX/2020 I was repeatedly called from a XXXX number while engaged at workcausing a disturbance in the work place. From XXXX I am not authorized to answer my phone unless I am on breakwhich I was not until shortly after these calls in order to control the situation ; having to take a premature break time to address this. This was incredibly disruptive
Consumer complaint received 2020-06-04
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. (CA)

XXXX, doubled my payments from XXXX to XXXX per month with out authorization. They have said I am on a graduated re payment program. I simply asked for the documentation 4 different times and they will not provide my signature on any document proving I agreed. I had been making XXXX payments and in XX/XX/XXXX they double it to XXXX per month. I disputed this and they lie saying I agreed to it. I have not so while I am making XXXX payments each month they were reporting me to the credit bureau for four months trashing my credit score from 765 down to XXXX and I can not get a loan at all now. XXXX will not correct this issue even thought I have requested it in writing. 
XXXX is a fraud and abusive company. I have a parent plus loan I took out in XXXX for XXXX. XXXX says I have paid them XXXX. I have paid more than this and they do not report it correctly and say I still owe them XXXX??? Can someone please help me with this elder abusive company. I am a senior and can not afford this and they have fraudantely ruined my credit. Please help
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hello, I am a cosigner on a loan for a vehicle for my mother. My mother XXXX had missed a bunch of payments and beginning of last year she filed for bankruptcy. She included the vehicle in the bankruptcy. XXXX XXXX XXXX XXXX then removed the vehicle and its balances from our credit. Then a few months later re added the account with a past due balance of {$110000.00}. The vehicle original loan amount was {$20000.00}. It is impossible for the past due to be XXXX dollars. I have filed multiple disputes and they keep coming back stating the information is verified and correct. I have a signed document from Capital Ones lawyer from the bankruptcy hearing stating that the amount owed is {$14000.00}. When i call Capital One and ask where on my account it shows I owe {$110000.00} and I have a recorded phone of the rep stating I do not owe them anything near {$110000.00}. The rep also states that they are not reporting to my credit which is false as it shows on all XXXX credit bureau. They are also reporting different amount on the credit report. XXXX and XXXX show {$110000.00} and XXXX only shows {$60000.00}. I have tried again and again to have them fix this mistake and they will not. This is hurting my life severely as I'm in the process of trying to buy a house which I am being denied for due to have a debt of {$110000.00}.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX repossessed my car in XXXX of XXXX and closed the account in XXXX after I lost my job and instead of working with me they threatened me with legal action and subsequently reposed the vehicle. 

Every month since XXXX of this year XXXX, they have reported the same closed account as open and delinquent. 

Then they close it before the end of the month and reopen it as a new account on my credit report, dropping my score 17 point every time. 

Once I regain the points, they delete the account and re list it again 3 weeks later as a new account open and delinquent again dropping my score 17 points. 

This is obviously very deliberate and is infringing my my due process rights as well as flagrantly violating my protections under the CFP Act. 

THEY NEED TO STOP immediately!!!!
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXX  business card continues to show up on my credit. This is a business credit card that is associated with a business I had a 25 % stake in. I sold my portion of the business in XX/XX/2018. This credit card should not be on my personal credit report. Also, the current owners have agreed to a settlement in this account. It is reflected that the account is a charge off and still owes around $ XXXX. The owners agreed to the settlement of {$13000.00} and have made {$250.00} a month payments for 3 consecutive months. It is showing on my credit report as no payments made. I want the credit card removed from my personal credit. Thank you.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

Complaint : The both Experian and XXXX Credit Bureaus have failed to verify the two accounts listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ). 

Background : I filed a dispute with ECB per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for these accounts. In my dispute, I also demanded the two accounts be Verified or Removed immediately : Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Additional Facts : Both Experian and XXXX received Certified Letters on XX/XX/2020 ( See Attachment ) Deadline to Provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Neither Experian or XXXX have provided Verifiable Proof that meets the standards of FCRA, and these two accounts still remain on both my Experian and XXXX credit reports.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XXXX XX/XX/2020 I contacted Kohls card services regrading an account that appeared on my credit reports, I have never had a Kohls charge account. The agent I spoke to could verify that I had an account but would not send me an debt verification information, past statements account application, ect. to my current address. She stated that she could only send the information to the address they had on file. She provided me with the city and I provided her with my address in that city but she said that was not the address they had on file. She said she could send me a verification code to update my address then she said she could not send a code. I verified with her that there was no other way for her to update my address and no way for her to send me verification of the debt. 
I have disputed this debt before with all three agencies and the only response I receive from them is the debt has been verified. Those communications go to my correct address but the information used to verify the debt is never sent.
Consumer complaint received 2019-05-01
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: Bread Financial Holdings, Inc. (TX)

XXXX XXXX banks claims I have not made any form a payment towards my credit card but I have, XX/XX/XXXX XXXX XXXX file a missing payment on my account dropping both credit bureaus from 69 points. This is falsely incorrect I need help settling this dispute. I already filed a dispute with one credit bureau, I will starting paying more if I have to to get this issue resolved. This can not stay on my record
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (AL)

XX/XX/2020-XX/XX/2020 My bank continued to change transaction dates on my online banking. This app particular does not allow screenshots to be taken for proof. But they change dates of transaction to make it appear that there is no money in my account when there is supposed to be money that covers every transaction and then charges {$36.00} overdraft fees on those items.As well as changing the type of deposits made into something that appears to be a simple credit to only withdraw the money at a later date to cause more overdraft fees!
Consumer complaint received 2020-06-03
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. (NC)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the US DEPT ED/XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-06-03
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. (NJ)

Credit reporting agencies did not report with the correct information, after numerous attempts to have the incorrect information removed they kept saying that the account was verified with no proof - last correspondence stated that they would no longer investigate into the error unless new evidence arose but the company has refused to remove themselves from my credit report since 2016 and I am refusing to wait it out until it just " falls off ''
Consumer complaint received 2023-03-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Revco Management, LLC (CA)

My mother opened a XXXX savings and checking account as well as credit card and now the bank has opted to no longer do business with me. Now they say I owe {$680.00} and it's being sent by a debt collector. I know I didn't make any charges or use this money they are asking for.
Consumer complaint received 2020-06-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NJ)

Had car for one month, was totaled out with insurance company. 
Should not be paying all the interest on the car when they were paid what the car was worth, for only a 30 day period. 
Asked the credit bureaus to remove, Chrysler Capital did not respond to my inquiries for at least a year, when they did respond they send me a COPY of our agreement that was no where close to what they were actually still charging me for the car loan. Car was paid off through insurance. Then Chrysler Capital went as far as to put a fraud alert on my account and send me a form to fill out for identity theft because I kept asking for the original copy of our contract. Not ethical!
Consumer complaint received 2020-06-03
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. (NJ)

Sent repeated letters to the credit bureaus to have an unverified debt collector removed off of my account and they started by sending mail stating it was verified and the last letter in XX/XX/2020 stated that they were done investigating unless I had new evidence, yet the burden of proof of the debt is not on me, especially when I can't get a decent response of verification from either bureaus or the debt collector
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My wife and I are being defrauded deliberately by a system that provides inaccurate reporting. In any other society this would be a crime but evidently not in America. That incorrect data is used as a basis for considering lending. In this case a mortage but this has impacted us for years as your multiple reports and complaints indicate. You have done NOTHING as an alleged protection agency to do anything about this hence under known definition of law you serve in my opinion as an accomplice to the crime. Yes it is a crime if that data is incorrect and you knowingly submit it. As for the banks- A number of accounts have XXXX  balances. This reporting entity as all the others use this cop out- '' error icon There may be a gap in the time that your payment is posted by the credit grantor and the date it's reported to XXXX to be recorded on your credit report. We'll update your balance as soon as we receive your payment information from your creditor. '' This is the essence of what be believe a scam to increase profits and keep citizens indentured. Now please do not send me an email " this seems like a previous complaint '' - IT IS! they do not even read them or if they do have no evident capability to comprehend what is wrong. Now to boot- we have asked all the creditor to submit a fax to all agencies with the correct zero balances. Some have done this weeks ago but just now the old balances were posted. IF these were not scams why isn't that done? Sadly, you all claim to be honorable and capable. In my opinion on each count evidently not even close. OH and learn how it works- are you for real! Finally how about fixing your auto fill that does not work. Is this maintained off shore as well? Unbelievable even your correction review does not work! Lets see if you even read this? THERE IS NO XXXX. MIDDLE INITIAL OR XXXX. IN MY WIFE 'S [ FEMALE ] NAME!!!! XXXX
Consumer complaint received 2020-06-03
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. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). 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 2020-06-03
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. (TX)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.