davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Columbia Recovery Group LLC (FL)

On XX/XX/XXXX, I received a letter from XXXX XXXX representing XXXX XXXX XXXX XXXX   ( apartments ) claiming there was a final charge of {$920.00}. There was no statement of charges, no receipts, no explanation of charges, and no proof of any charges owed. I emailed them several times and wrote to them for an explanation of charges and never received any response. Therefore, I turned the matter over to the Attorney General of Idaho, because they needed to contact me within 30 days of move-out to settle charges. The move-out date was XX/XX/XXXX. Therefore, 60 days had passed before contact breaking Idaho Code Section 6-321. They also never at any time informed me where my deposit went breaking Idaho Code Section 6-321 and Lease Section 42 of lease signed on XX/XX/XXXX for 10 months. After me contacting the Idaho Attorney General, XXXX XXXX sold the debt to out-of-state company Columbia Debt Recovery XXXX XXXX. I started receiving letters and phone calls from XXXX at Columbia Debt Recovery. ( included ) XXXX threatened to ruin my credit and turn me into all three credit bureaus if I didn't pay this debt. I asked him for the proof or a statement and he claimed he had proof but could not share it with me. He was calling 5-7 times per day. I finally told him that I did not wish to be contacted by phone anymore and only US Mail  under FDCPA and hung up. I disputed the charge with XXXX XXXX and was told it was for extra rent. I did not owe extra rent and everyone agreed on the Move-out date. ( included ) I received a notice on XX/XX/XXXX that my credit had dropped by 32 points and I checked and sure enough, Columbia Debt Recovery, XXXX XXXX has reported this debt to my credit as threatened by XXXX. Please review the included documentation. Idaho Code was broken multiple times and I have never received a straight answer from anyone what the debt is for after asking multiple times. Also, you can see the Move-Out Inspection notations were Excellent.
Consumer complaint received 2023-08-15
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. (MS)

Experian is reported a collection by the name of XXXX XXXX XXXX on my credit report for {$6800.00}. I contacted the collection office and they do not have my information with this account. My social does not match the accounts information. I disputed this with the company on XX/XX/23 and Experian closed it as verified accurate. It can not be accurate if socials/personal information does not match! This account needs to be deleted from my report asap.
Consumer complaint received 2019-02-02
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: Yamaha Motor Finance Corporation USA (FL)

FOR THE PASSED COUPLE OF YEARS MY CREDIT KEEPS GETTING PULLED. I HAVE DONE SERVAL POLICE REPORTS ABOUT THIS ALREADY. I HAVE CALLED YAHAMA IN A COUPLE OF OCCASIONS. THE MONTH XXXX  XXXX AND XXXX MY CREDIT KEEPS GETTING PULLED BY YAHAMA BOTH THE STORE AND THE CREDIT CARD. I WENT IN ONCE IN XXXX TO LOOK AT A BIKE. EVER SINCE THEN I KEEP GETTING MY CREDIT PULLED BY THEM EVERY NOW AND THEN. I HAVE FILED A POLICE REPORT ABOUT THIS ALREADY.
Consumer complaint received 2023-08-15
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CIT BANK, NATIONAL ASSOCIATION (IL)

From XX/XX/XXXX I had a residential mortgage with XXXX which I was informed is under the control of CIT Bank. This account was transferred to another lender in XX/XX/XXXXbefore CIT Bank took over. In XX/XX/XXXX, the mortgage was reported as 30 days late to each of the 3 major credit reporting agencies. When I reached out to file a dispute to have this item removed after XX/XX/XXXX ( 7 years from the date of the first delinquency ), CIT changed the reporting to show it as a positive account, committing blatant fraud in their reporting rather than removing this item as requested. Each time I've reached out to CIT to discuss this account, I am continually being told they have no information on the account, either under my name, social or the account number, yet they respond to any disputes filed by the credit bureaus, informing them that their reporting is correct, when in fact it is not. For months I have continually tried to get this account removed from my credit file, only to be told that the information being reported by CIT is correct, thus allowing CIT to  continue to commit fraud by changing information on this account from negative to positive, avoiding the Statute for time limitations and not reporting accurate information. I am seeking assistance to have this item removed for the blatantly fraudulent information they are reporting and for their failure to respond to me as a consumer to challenge the accuracy of their information.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (MO)

My grandmother died in XXXX. I was to be named executor of her estate. I noticed that three checks were written on her account by my cousin, totaling {$8500.00}, while my grandmother was in XXXX. I reported this IMMEDIATELY to Key Bank, both to a personal banker, and to Key Bank Fraud. ( See attached phone call detail report showing 15 minute call to Key Bank Fraud on XX/XX/XXXX ). Nobody at Key Bank would help me at all, until the estate was opened. This took several months to accomplish. I live in XXXX  XXXX, MO, and the bank is in Ohio. I was then told, by Key Bank, that since it took over 90 days to open the fraud case, that I am not able to recover any of this {$8500.00}.
Consumer complaint received 2020-05-28
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: JPMORGAN CHASE & CO. (WA)

After filing first complaint. Received voicemail from Chase bank executive office stating that the bank sent out letter sometime around XX/XX/XXXXand did not receive response from me before the end of XX/XX/XXXX. So therefore my dispute became not valid and such. Not sure where exactly the mail sent out to and plus, Chase insists that I have received the package by just listening to merchant side of stories and carrier information that simply states that I have received the product. Did I mentioned it Chase online banking system only notified me with generic message stating there is update or saying they are working on my dispute, but never asked me to provide additional information and they disabled that feature from my online banking system simply because it seems like they don't want to deal with my issue. Does that sound fair to you? 

Purchased a product from online store and it was XXXX XXXX XXXX   and used Chase Marriott BONVoY credit card. Received package from the merchant. the inside seal was broken but not from the outside and some box inside package had a white substance in it. the package came with few other stuff, but XXXX XXXX was missing. Reached out to the merchant. No response or call, and reached out to Chase credit card service, they are just keep saying that this transaction is valid without considering going route with the customer protection against such a foul purchase. And Im getting charged for that transaction even though the XXXX XXXX was missing from that package. Reached out to Chase multiple times, I was not able to contact right people about the dispute and was not even able to make dispute process from online either as to it is keep saying that I need to contact # to reach out to them but they never respond or provide any answers. Provided document through fax, but still no phone call from the Chase
Consumer complaint received 2020-05-28
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. (FL)

XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the 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.
Consumer complaint received 2020-05-28
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. (NC)

I requested Equifax to update the XXXX XXXX account. The credit report agency ONLY changed the update online. On the paper credit file report XXXX ; there is no change. I will attached upload pics showing this.Please review ALL ; but specifically page 1 of 8, 3 of 8, and 4 of 8. Thank you. Please assist.
Consumer complaint received 2023-09-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank has a shady practice of locking in customers in their CDs. When the CD is about to mature, they do not send any notifications but default renew the CD. When I ( user ) tried to cancel auto renewal of future CDs on their maturity date, I can not do so. The only way they allow this is to call them via phone 30 days before the day of maturity. Their online portal only allows to change the term of CD renewal ( duration and amount ) but does not provide the cancel renewal option. They auto renewed CD without notifying me and when I noticed and called them, they are saying I need to penalty to cancel the CD. Which I understand if I was canceling a CD that I created, however renewing my CD without notice, not giving me the option decide how my CD should mature ( renew or cancel ) ahead of time and then penalizing me for canceling my CD when I didn't intend is an unfair design practice and I would like Synchrony to honor my choices and limit when I can or can not withdraw my funds by making it very difficult to close the CD when they mature.
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (KS)

Mistakes and delays in issuing escrow refund for paid-off mortgage loan. 

This servicer sent our mortgage escrow refund to the wrong address, then stated we needed to wait 30 days to reissue the check. After 30 days, they claimed we needed to submit a change of address form via fax or mail. It then took over a week and 2 faxes and an email to get the address corrected. 

After this was finally accomplished, they stated a new check would be issued in XXXX days. After 10 days had passed without reissue of the check, Dovenmuehle Mortgage 's reps and supervisors offered various excuses including " mail '', address changes, " process '' etc. 
We have waited 2 months for the return of this money and have made 9 phone calls, 2 faxes, 1 email over the past month on the matter. 
They still claim the refund is " processing ''
Consumer complaint received 2020-05-28
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: Shellpoint Partners, LLC (TN)

Shellpoint Mortgage is reporting I owe XXXX and XXXX from XXXX which I had filed Chapter XXXX Bankruptcy and was discharged XX/XX/XXXX. My ex has never refinanced and removed my name and won't. It looks like I am in dedt XXXX and I only am my own debt XXXX. My credit score has gone down 54 points. This was 10 years ago and all of the sudden it pops back up on my credit report, being reported by Shellpoint. I worked very hard to rebuild my credit. I was these 2 off my report. I have called Shellpoint and email and sent bankruptcy papers and no response from them.
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (ME)

Amerisave : NMLS ID XXXX : Loan Originator : XXXX XXXX XXXX ID XXXX Predatory lending : the loan originator quickly received all information and documentation XX/XX/XXXX and processed an {$500.00}. application fee which I was told by XXXX would be returned to me. Disclosures were provided with inaccurate information which despite numerous attempts ( 6+ ) to have corrected XXXX would not respond to requests. 

Fraudulently re-dated and resubmitted documentation to make it look like documents were outstanding ( Appraisal which as completed on XX/XX/XXXX and then re-dated for XX/XX/XXXX ). Made changes to my homeowners insurance without proper authorization. When questioned he still did not respond. only when a loan processor named XXXX XXXX was involved was I provided with an updated disclosure with more inaccurate information and inflated closing costs and fees without reasoning, then making my monthly payment larger than it currently is. 

When i requested my application be immediately withdrawn because these were not terms which were agreed upon, I was told it would be closed " as soon as they could ' I then received a notice of credit denial stating I was denied for not completing application documents which is not truthful. The termination paperwork should be identified as closed at borrowers request. They did this intentionally to deter future possible lenders. I requested this be corrected 2x and have once again been ignored. 
They have intentionally damaged my credit by multiple had inquires/dragging out the loan process. 

Amerisave does not allow direct customer service contact. emails to XXXX XXXX XXXX go unanswered. Phone calls go to a generic voicemail and do not get returned, or routed directly to the loan originator ( XXXX ) who refuses to correspond or address these issues.
Consumer complaint received 2019-02-05
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: DriveTime (CA)

I have been in contact with drive-time only because i gotten a vehicle financed by XXXX  which i already received an inquiry on my credit report. I been at drive-time multiple times for personal reasons in regards to my financing, payments, warranty, ect. I've talked to sales reps at one point about getting another vehicle and i was shown how to apply on phone apt with sales rep indicating its wont hurt my credit or lower my score because its only getting information what ill pay if i get another vehicle. I was told it only counts once i get the vehicle. That moment i was receiving calls from other drive-time location bugging me like fly 's. Once i explained to one individual that i have a location im dealing with and explained i was there already she decided to look up my information informing me i cant get a vehicle until after a year has passed. I ran my credit report in XX/XX/XXXX even calling the information provided for the inquiry on the report. I was given the blaim game point the finger not being able to explain. I have not been provided proof of validation or proof of verification. 

XXXX XXXX XXXX XXXX  XXXX XXXX AZ, XXXX XXXX XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer Section 1689 of the fair credit reporting act indicates the monetary damages i can claim for this up to {$1000.00} dollars for inquiry not authorized by me.
Consumer complaint received 2019-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I made a payment on my Capital One Card. I received comfimation that the payment was posted. I made the payment online and verified my correct account information. today Sunday XX/XX/XXXX and I received an email saying I am now 2 months behind and go to my account. Last time this happened Capital One had tried to process with the incorrect account number ( their error ) I have confirmed today with Agent XXXX ID XXXX at Va call centre that I processed the payment on XX/XX/XXXX with the correct information and I have confirmed sufficient funds are in that account. 
XXXX is saying they dont see the message that I am getting avboiut an email saying overdue payment. ( this was what happened previously at first they ere not seeing the error or reject message ) This is very frustrating it will negatively impact my credit profile erroneously and I have to waste my vaulable time chasing this up.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Since XXXX I have had an issue with all ( 3 ) three reporting agencies not reporting information regarding the status of my accounts. some are showing closed when they are open and many that have been paid off are showing as been closed, with no information to show the loan had been paid in full. These things continue to keep my credit score low and accounts that I have had since XXXX I am not seeing on my report thereby shorting my credit history on purpose. I have asked via email and letter for these things to be corrected. However still to this date nothing has changed at all.
Consumer complaint received 2020-05-28
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. (LA)

I have been trying through Experian and XXXX to have the delinquent status of the XXXX  removed from my credit report. I filed a dispute with Experian and supplied documentation from XXXX  of the payment accurately made and that XXXX had indicated in a letter to me that they in fact received my payment and the reporting would be updated. It still hasn't. I just received notice, XX/XX/2020 that the information Experian has and investigation of the dispute not handled and below is the email received on the Experian dispute Results Report Number : XXXX Date Generated : XX/XX/2020 XXXX XXXX XXXX XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I have two documents 1. receipt of payment 2. letter from XXXX acknowledging ( which has been supplied directly to Experian )
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2020-05-28
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 — Was not notified of investigation status or results
Company: General Motors Financial Company, Inc. (TX)

I was shocked when I reviewed my credit report and found late payment on the company below : GM FINANCIAL XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report
Consumer complaint received 2019-01-27
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. (FL)

I believe that I have a legitimate complaint against XXXX XXXX XXXX XXXX. This problem started when I lived in the state of XXXX and right before I moved to the state of XXXX. On XX/XX/2017, I made a trade in on my former vehicle. The deal was finalized on XX/XX/2017. The payoff was requested and the transfer of vehicles that same day. The payoff from XXXX XXXX XXXX XXXX was requested by the finance company implemented by the dealership. However, even though the transfer was finalized well within the 30-day timeline to be reported late, XXXX XXXX has violated my rights under the Fair Credit Reporting Act on several levels. Most importantly, this organization has hundreds of complaints against their reporting and collection methods on the internet. The reporting shows as follows on all three respective credit bureaus : XXXX  : 30-days late XX/XX/2017, XX/XX/2017 and XX/XX/2017 XXXX  : 30-days late XX/XX/2017 and XX/XX/2017 TRANS UNION : 30-days late XX/XX/2017 and XX/XX/2017 This reporting is absurd, as the transfer date should have been the date of wire transfer of funds releasing title to the dealership. XXXX XXXX XXXX XXXX has gone through large measures to cause major damages to my personal credit report. The late payments need to be purged immediately and permanently. I believe that XXXX XXXX XXXX XXXX is also in violation with their subscriber agreement with XXXX, XXXX  and Trans Union respectfully. I am posting a complaint with the major credit bureaus directly. I simply cant purchase a new home with the way this particular credit trade line is reporting, and its simply a clerical error ( s )  with XXXX XXXX XXXX XXXX being the sole responsible party. This matter needs to be addressed and corrected immediately.