davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-15
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: Navient Solutions, LLC. (WA)

avient, XXXXXXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX continue to report I am delinquent on student loans from XXXX. The information reported is inaccurate. All student debt from XXXX to XXXX has been resolved more than 10 years ago. I have disputed the charges with XXXX, XXXX, and XXXX ( as well as Navient, XXXX XXXX, and XXXXXXXX XXXX. However, after a 30 day review period, I receive notification from the credit reporting agency stating, " Subscriber reports dispute resolved-consumer disagrees. '' The matter is then closed by the credit reporting agency. As I continue regularly to dispute the information reported, Navient and XXXX XXXX ( and an assorted host of attorneys and/or collection agencies ) transfer or sell the bogus accounts amongst themselves. Then the new buyer of debt reports the same account with different dates and dollar amounts to each credit agency. Not only do I not owe the debt continuing to be reported, but the date of balance origination is from XXXX, that is TWELVE years ago. I guess I shouldn't have been shocked, but I was at how brazen and unethical the reporters are : they have fraudulently claimed my last payment toward each account was made on XX/XX/XXXX, which is an absolute lie. However, they are acutely aware if payment was made in XXXX for a XXXX file, the can continue to desegregate my credit file. I am prepared to upload credit reports with notations on information pertaining to my complaint today.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

this account was settled with original creditor ... never should have went to collections or charged off ... a grave error has been made, and it is affecting my reports ... no one will give me proof or present to me a contract ... this is false, and a violation of F.C.R.A. law and my rights ... Transunion, XXXX and XXXX  are declining to remove this account ... called creditor and was told that there is no knowledge of anyone verifying this account with either of the 3 credit bureaus ...
Consumer complaint received 2018-06-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (SC)

Recently checked my credit report and noticed that Santander is reporting I have balance owed to them, they have never sent information regarding the sale of the vehicle, they have never called or mailed any correspondence requesting payment. In addition to the negative item they have attached to the credit file, they have also sent it to collections in which I havent received any correspondence from either. Car repossession laws in Illinois require your lender to provide you with a redemption notice within 21 days after your car is repossessed. If the lender fails to provide the notices or provides legally insufficient notice, the repossession may be invalid. Because Santander failed to notify me within the time frame by mail or phone they have breached the contract. I have not made any payments to Santander or any other collection agencies with regard to this account. The fact that Santander had added incorrect information on my report and has not contacted me speaks to their business practices. 

As of last year I saw on my credit report that it was sold to XXXX XXXX in which I have not received any documentation from either. I have disputed this account with the credit bureaus due to no Written Documentation from Santander or XXXX regarding this debt but it seems to have been reported on my credit report. Santander is in Breach of contract and once a company charges off an account and sends it to an collection agency they are in breach of their own contract by violating the Abritration Clause.
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

My account shows 90 day late in making payments. I have called the organization several times to set my self up on auto draft. Since i simply do not have the time to call in to make the payments. i was sent an auto draft enrollment paper which was signed and sent back to the creditor. I was under the impression that i was already set up for auto draft, but now my account is showing 90-120 days late. I am disputing this late occurrences.
Consumer complaint received 2022-12-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aequitas Capital Opportunities Fund, LP (AZ)

I received three different notices so far from a company claiming I chose them for my care and that I owe a balance due. The letter describes me as a patient and is offering me a payment plan at 0 % APR and has attached a bill for {$460.00}. There is no doctor listed and no date of service listed and no one answers their phone call and the automated phone call asks me to enter personal information that is not on the letter in the first place such as date of birth. It looks fraudulent to me and since this is the third time I am getting a notice of a balance due, I believe it is fraudulent. They appear to be using many different names like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They do have an address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and their phone number for carepayment listed is XXXX. Or XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2018-06-15
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. (GA)

this account was settled with original creditor ... never should have went to collections or charged off ... a grave error has been made, and it is affecting my reports ... no one will give me proof or present to me a contract ... this is false, and a violation of F.C.R.A. law and my rights ... XXXX, Experian and XXXX  are declining to remove this account ... called creditor and was told that there is no knowledge of anyone verifying this account with either of the 3 credit bureaus ...
Consumer complaint received 2018-06-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (TN)

I received an offer in the mail from Cashnet USA for a line of credit for {$800.00}. The letter said I was pre-approved. I was in a bit of a bind at the time and thought this would help. It did not, it made things worse for me financially!!! First the contract you sign online is very, very vague and hard to understand and there are hidden fees that they do not tell you about. They are called, " customary fees, '' well mostly all your payments go to these hidden fees to keep you trapped in the debt. You can never pay it off. I asked to settle the account for {$200.00} today and was told that I could not settle and would have to pay the debt in full. I have a credit limit of {$800.00}. I have borrowed a total of $ {$870.00} over the course of time. I was approved for the LOC in XX/XX/2018 and had been having payments taken out of my account every two weeks, until, I revoked their authorization to debit my account, last month in XXXX and asked them to close my account. They will not close it!!! I have made a total amount of {$840.00} in payments. I offered to try to settle the account for {$200.00}, which would make my total amount paid, XXXX. This would be {$170.00} above the principal amount, that I borrowed. I refuse to pay their outrageous fees any longer. It now states online, today, XX/XX/2018 that I owe a balance of {$950.00}. If I pay that, I will have paid them {$1800.00}, but with them refusing to close my account and steadily adding fees it will be even more, soon. No one should be allowed to be such a predatory lender!!! I want to get out of this mess, but they will not allow you to get out. I do understand that I should have fully understood the contract, before signing online, but when you are in need, you sometimes make bad choices. I do not think that should give a company the right to take advantage of people like this.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I'am a victim of Identity Fraud. I contacted the Credit Bureau ( Experian, XXXX, XXXX XXXX and XXXX. To explain to them that I am a victim of Fraud and the numerous addresses, Phone numbers, social security numbers, alias and accounts reporting on my report were fraud and or don't belong to me. I provided police reports and requested them to provide proof that these accounts and information was indeed belonging to me. They never provided this information or deleted this inaccurate information.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

All statements with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Nj XXXX. 

Where my landlord XXXX XXXX XXXX stole and used my XXXX XXXX credit card. Along with my NJ XXXX drivers license XXXX XXXX XXXX I reported this to XXXX police department and FBI XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Pa XXXX ( XXXX ) XXXX they dont investigate Credit card fraud.
Consumer complaint received 2019-11-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (AL)

On XX/XX/2019 XXXX AM CDT, I used Google pay transaction XXXX to transmit XXXX XXXX XXXX {$100.00} for goods invoiced via XXXX XXXX and invoiced via Google electronic mail. 

After contacting the recipient five times with no delivery of goods or status provided, I requested a refund via Google Support inquiry [ XXXX ] on XXXX XX/XX/2019 XXXX PM XXXX. After a cursory review lasting less than 11 overnight hours, Google opined on XXXX XX/XX/2019 at XXXX AM CDT that " no system error or other unauthorized activity was connected to this transaction, so we cant take any further action. '' Google pay supported fraud and theft via their telecommunications and financial credit processing system, acting as an accessory to the crime after the fact. Google chooses to make no amends for illegal activity occurring with their financial support and benefit to Google pay.
Consumer complaint received 2018-06-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (MS)

XX/XX/XXXX I had a notification stated a collection item for {$530.00} was added to my credit report by XXXX XXXX XXXX. Ive never received any correspondence from this company about the item. On XX/XX/XXXX I contacted XXXX and requested information on the supposed debt. Said it was for medical services provided to my daughter on XX/XX/XXXX. I told them I never received correspondence via mail to be able to disputed the debt. I asked XXXX where they mailed the information and the address they provided wasnt even mine. The reason being is they never had my correct address therefore I couldnt dispute. I asked them to immediately delete the item from my credit report and gave them my correct address so I can dispute the item and they stated no. They stated it was my responsibility to provide an updated address to them. Now how am I going to update my address to them when I dont know whats going on? Very unprofessional. My ex wife is responsible for the bill being she was the grantor by taking my daughter to doctor.
Consumer complaint received 2018-06-16
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. (MO)

After reviewing my credit report, there's 2 inquires that has been fraudulently or mistakenly put on my report. The inquires are XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/XXXX I reported and disputed a charge for a room I received that was not as advertised. I paid for a smoke free room. The room was not as described. However, throughout the days I stayed at the hotel there was the smell of some fume that I am sure was the smoke of XXXX. The smell was also outside of the room where I stayed meaning someone in another room had to be smoking or else it was coming from the air conditioning system. I reported to the front desk personnel who stated there was nothing they could do. The room XXXX did not have adequate air conditioning and also had a window air unit that had to be used to keep the room cool. Paypal decided in the sellers favor whom has no evidence as PayPal allegs I did not have yet made the decision in the sellers favor.
Consumer complaint received 2018-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (IL)

I recieved a bill from the collection agency on XXXX-18. After recieving the bill for the amount owed. I responded to the collection agency with a verification of debt letter. Soon after, I recieved another letter from the collection agency asking me to settle the amount for lesser than what is owed. The collection agency has yet to validate the debt, nor have they responded to my request. Due to the fact that the debt is not validated, I request that the CFPB have it removed from my credit report.
Consumer complaint received 2018-06-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On Saturday, XX/XX/2018, I paid off two auto loans at the Huntington Bank branch located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. As both loans were paid prior to maturity, the teller assisting me had to determine the payoff amounts. The teller said that he would waive the early payment penalty provision on one of the loans ( for a XXXX XXXX ), and that,  according to the teller, the other loan did not have such a provision. I wrote two checks for the payoff amounts ( {$5700.00} and {$9900.00} ) the teller provided to me. The checks were debited/posted to my checking account on Tuesday, XX/XX/2018. 

A few weeks later I received a notification ( via mail ) that one of the loans ( the XXXX XXXX loan ) was delinquent. I called the phone number on the communication and spoke with Huntington representative who said that the notification was sent because an early payment penalty had not been properly waived in the Huntington system, and that he would conduct the appropriate process for the fee to be waived, and the corresponding late fee that had been applied by Huntington would also be waived. 

Several weeks later I received another written communication from Huntington, and the bank began calling my place of employment. When I returned the call and explained the situation, I was told I had to speak with a supervisor for resolution. After waiting on hold for many minutes, I was told the supervisor was not available but would call me back. The next day, while I was in a work meeting, I received a call from a person who identified himself as " XXXX XXXX '', and asked me to call him at a specified number. I call the number and asked for XXXX XXXX, but was told there was not a XXXX XXXX that worked for Huntington Bank. When I explained the situation and the reason for my call, I was told the late fees had now doubled. The woman that I spoke with on the call was rude and arrogant. She said that a supervisor would call me, but that call did not occur, only more calls to my work from agents without the ability/empowerment to honor the commitment of two other Huntington representatives.
Consumer complaint received 2018-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have incorrect addresses on my credit report. I had type up an letter to Experian requesting to dispute & remove these inaccurate addresses from my credit file. I had sent out the request by certified mail. It was delivery to an agent on site on XX/XX/2018 in XXXX, TX XXXX at XXXX. It has well over 30 days, and I still haven't had my those inaccurate addresses remove from my credit file. 

I also stated in my letter : Please remove both of these addresses from credit report, as they are not deliverable to me by the U.S. Post Office and they are not reportable under the FCRA, since they are inaccurate.
Consumer complaint received 2018-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VIRTUOSO SOURCING GROUP, LLC. (TX)

I was shopping for a new electric service provider online and was quoted {$200.00} deposit to start service with XXXX XXXX XXXX, I decided to go with another company and never paid the deposit for XXXX XXXX XXXX and never intended to do business with XXXX XXXX XXXX. 
I started receiving collection calls and told the representatives that I never agreed to proceed with the service. 
I recently applied for a mortgage and was told VIRTUOSO SOURCING GR had reported a collection of {$28.00} on my credit report and the original creditor is XXXX XXXX. 
I filed a complaint with the XXXX and received a response from XXXX XXXX stating that I enrolled in service on XX/XX/XXXX and services began the following day on the XX/XX/XXXX.

I have a receipt for payment on the XX/XX/XXXX to XXXX XXXX XXXX. 

I feel this is very deceptive to appear as XXXX XXXX XXXX but actually be XXXX XXXX, and require a deposit to start service and then start service without the deposit and without my knowledge. 

Now my credit report is being affected by this unfair and unethical business practice. 

I have explained this to the company directly, and provided the receipt for payment to the company I chose to do business with on the same day that I was told I enrolled with XXXX XXXX. 

All I want is this removed from my credit report.
Consumer complaint received 2018-06-16
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: Experian Information Solutions Inc. (MO)

I called XXXX/Experian to dispute incorrect information in my credit file and they refuse to let me dispute the false information. They never sent me a frivolous notice stating that my disputes are frivolous. Even though this is a new situation I'm disputing XXXX/Experian still denied me the right to dispute inaccuracies in my credit report. My credit score fell by a 100 points because " XXXX '' keeps sending XXXX/Experian negative updates everyday even though I closed my XXXX account. I advised XXXX/Experian that displaying false information in my credit file is illegal in the United States but they have the attitude that they are too big to care or they are getting paid by XXXX to display inaccuracies for profit.
Consumer complaint received 2018-06-15
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 (AZ)

Last month I paid off my entire balance on my Capital One credit card. At the time, the balance reflected on the Capital One website was {$2400.00}. I paid the entire balance on XX/XX/XXXX.

A full 10 days later I was still charged {$31.00} for interest. This was not reflected anywhere on the website statement at the time that I had paid my balance. I did call Capital One to let them know this and requested a credit of {$31.00}. They refused stating that this was interest already accrued. However, I stated to them that this should then be reflected on their website for pay off. The associate agreed that this was a flaw on their website and that he would mention this to senior management. The call was escalated. However, the second individual also refused to credit the {$31.00}.
Consumer complaint received 2021-07-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (IN)

On XX/XX/XXXX, two amounts were taken out of our checking account by Toyota Financial for the payoff. One amount was for {$2800.00} and another amount was for {$2800.00}. 

The payoff amount was {$2800.00}. We received a credit check of {$1.00} Toyota has not responded to my requests to refund the second withdrawal of {$2800.00} and they do not even acknowledge having received it. The second amount does not even shown up on our " payment history '' on the account. indicating that they are not acknowledging having taken the money. They have been uncooperative and unresponsive to repeated requests to address the issue. 

The overpayment was made by me " on accident '' as I did not see that the first payment had gone through - it was not showing up on my account with Toyota. 

I am going to my bank tomorrow and reporting this as well, XXXX XXXX XXXX. Our checking account number is XXXX. Phone number XXXX. 
The Toyota Account Number is XXXX. It was for a XXXX XXXX XXXX.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (KY)

I have a confirmation from Wells Fargo stating my auto-payment would be withdrawn from my checking account on XX/XX/XXXX. The auto-draft did not occur and Wells Fargo charged me a late fee and reported me late to the credit bureau. Then I got a late notice so I paid the XX/XX/XXXX payment, late fee, and the XX/XX/XXXX payment from my checking account on XX/XX/XXXX. Then Wells Fargo auto-drafted my account for the XX/XX/XXXX payment that was due and applied it to the XX/XX/XXXX due date. I filed a complaint on XX/XX/XXXX with Wells Fargo and received an acknowledgment. Then I called to check on the status of my complaint. I spoke to XXXX XXXX at XXXX ext. XXXX. I told her I had confirmation from Wells Fargo that the XX/XX/XXXX payment would be auto-drafted from my checking account ; XXXX confirmed she saw the same confirmation and would resolve it. I asked for the resolution to be sent in writing. I still have not received any resolution as of XXXX. My Wells Fargo complaint number is XXXX.