davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

lakeview loan servicings website is not functioning properly. When I try to submit a payment it gives me an error message. However I received an email confirmation that my payment was submitted. Ive tried calling them 3 times to verify they received the payment. No one answers the phone and I cant find any other way to contact them on their website. I have not received any notification that they are experiencing problems to their website prior to trying to submit my payment. There is not communication from this company and its impossible to talk to someone that works there.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

my name is XXXX XXXX I'm the account owner of XXXX XXXX  on my credit report it's listed as XXXX XXXX and the now closed account number is XXXX this account is being listed as having unverified late payments. I have never been late on this account. Im requesting for deletion of all late payments listed on this account being that it is a violation of 15 USC 1666B.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NC)

I have discovered that an erroneous report was submitted to the credit bureau, suggesting that I had not met my payment obligations since XXXX. This information is incorrect, as I made payments for both XXXX and XXXX in XXXX, effectively paying in advance for XXXX. Although there was a minor delay in XXXX caused by an accidental charge to my old card, I swiftly rectified the situation on XX/XX/XXXX and promptly made the required payment. 

Regrettably, the bureau was informed that the company had not received payment since XXXX, which is entirely inaccurate. To avoid further complications with the company, I decided to settle the entire loan amount on XX/XX/XXXX. 

As a result of this misinformation, my XXXX XXXX has decreased by XXXX points. This is highly distressing, especially considering my consistent track record of timely payments. In light of this error and its adverse effects on my credit standing, I have chosen to settle the outstanding balance. However, I want to emphasize my dissatisfaction with the lack of regard for accuracy and its impact on customers who fulfill their obligations punctually. 

Moving forward, I have decided not to engage in any future loan agreements with their institution.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OH)

I had a 0 % offer that expired on XX/XX/2024. They sent me another balance transfer offer in XX/XX/2024 which I accepted to pay off another higher interest card. I sent {$2000.00} on XXXX XXXX to pay down the first balance transfer offer. I should have had until the expiration of the first offer to pay it, however they applied the entire amount to the new offer I had just accepted. I called to explain that I wanted it applied to the original offer and they would not apply the payment to the old offer " stating they had to apply it to the new offer because it had a higher interest rate ( 4.99 % ). Now I not only paid for balance transfer fees for the new offer, but also did not get to take advantage of the offer because they applied my {$2000.00} payment to it, leaving a small balance on the new offer. In addition I am now going to be paying a very large amount of interest on the first offer because they will not apply my {$2000.00} payment as i requested. This is extremely deceitful business practice!! I should have until the expiration date on the offer to pay it down!! At this point any money I send will be applied to the second offer first, making it impossible to get out out of the very high interest rate ( XXXX ) on the first offer. I am on a fixed income and this will be a hardship for me.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Chime Financial Inc (VA)

I notified Chime today and spoke to their fraud hotline that an account had been opened in my name and using my email address that was not mine. There are transactions occurring that I did not make or having to do with and that I have been receiving email correspondence of these transactions. The only solution that Chime offered was to remove my email address from the account and did not terminate this fraudulent account. Now I am not being notified of any fraudulent activity. I informed Chime that this is unacceptable and does nothing to resolve the issue of a fraudulent account being open. The representative said that is the only thing they can do. 

Chime did not resolve the issue of a fraudulent account being opened or close the fraudulent account.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint against Equifax, a consumer reporting agency, for their failure to comply with the fair credit reporting act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
XX/XX/scrub>XXXXXXXX I sent a letter to Equifax notifying them of the reinsertion of XXXX XXXX XXXX XXXX XXXX Account # XXXX into my credit report without proper certification of accuracy and notification to me as mandated by FCRA section 611 ( B ). 
Despite waiting for 35 days after sending the latter, Equifax has failed to remove the reinserted account from my credit report continuing to violate FCRA regulations. 
Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-06-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation (TX)

The company failed to provide correct information regarding to where {$12000.00} that i paid on the existing loan when the car when in my possession. XXXX XXXX stated in her recent statement " On XX/XX/XXXX, XXXX XXXX entered a Retail Installment Contract ( Contract ), when he purchased a XXXX XXXX XXXX from XXXX. The account was subsequently assigned to Bridgecrest. At the time of sale, XXXX XXXX agreed to remit monthly payments of {$480.00}. '' she failed to provide or state where the money went nor did she provide any information. XXXX XXXX added " On XX/XX/XXXX, XXXX XXXX contacted us expressing his desire to surrender the vehicle voluntarily. We began the voluntary surrender process and encouraged XXXX XXXX to bring the vehicle to his local XXXX dealership to proceed. We can confirm that XXXX XXXX did not elect to return the vehicle at that time and no further action was taken as he continued to remit payments toward the account. '' We can also confirm that the car was not working after notifying you guys why the car was not working and why I could not bring it to XXXX XXXX. I have tried multiple of times trying to work something out with Bridgecrest who fail to do so because they want {$4000.00} within 30 days. 



" We confirmed that the vehicle was at risk of recovery assignment and due to the delinquent status the option to voluntarily surrender the vehicle was no longer available '' No one at bridgecrest ever stated what XXXX XXXX was saying they did not notify nor meant it while talking with them numerous of times. I voluntarily surrendered the Vehicle but could not bring the car to them due to the fact the car was in the shop due to the engine not working but the company knew that was well. 


" XXXX XXXX confirmed that the vehicle had been abandoned at the original equipment manufacturer ( OEM ). That same day, per our contractual right to secure our collateral, we arranged to pick up the vehicle. '' Per the phone call that I had with Bridgecrest on the day I had explained to them why I could not bring the car to them and that the car would have needed to be picked up, XXXX XXXX did not tell the truth the car was never abandoned. 


Bridgecrest has failed to provide the truth and the correct information on where {$12000.00} of my money went and still want money the balance will not be my responsibility. I have put {$12000.00} into the car already and it did not reflect on any of the loan. The company is not reporting charged off to the credit bureaus as i have proof charged off is when they no longer have the account but yet they still do. they are still reporting the repo.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: HireRight Solutions, Inc. (NJ)

HIRE RIGHT IS REPORTING INCORRECT INFORMATION PERTAINING TO MY DRIVER HISTORY. THERE ARE MULTIPLE SPEEDING TICKETS AND SUSPENSION. THAT DO NOT BELONG TO ME. THIS HAS CAUSED ME TO NOT GAIN EMPLOYMENT. I SPOKE WITH SOMEONE AT HIRE RIGHT ON XX/XX/year> TO CORRECT THE INFORMATION AND I WAS TOLD IT COULD TAKE 30 DAYS FOR A DISPUTE.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I went to the XXXX XXXX location on XXXX XXXX in XXXX, XXXX  When I went to the exterior ATM at the bank, the screen kept saying processing and still had my card. The machine started shutting down without giving me my card and my cash that needed to be withdrawn. When I went into the bank, they told me there is nothing they could do to give me my funds. They said they would file a dispute and IF there dispute department approves the dispute, I would get my money back in 10 days. This is creating me to have late payments to my daughters daycare.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I opened a TD bank checking account in XXXX of XXXX  with a large settlement check froma car accident. TD bank took a withdrawal from my depost for money that was owed to them but sold off to a collection agency. Even though it was sold to a collection agency they took the entire balance owed. The old account that was sent to collections was over XXXX years old and closed and they took the money from my checking.
Consumer complaint received 2024-06-07
Product: Credit 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: TD BANK US HOLDING COMPANY (FL)

I opened a secured credit card with TD Bank USA and the account was sent to collections. 

The company is called XXXX XXXX XXXX XXXX XXXX. TD bank confirmed to me that i would have my {$500.00} secured deposit returned to me since it was sold it a 3rd party. Today he balance was deducted from my account and td bank kept the deposit. I need help getting my depsot back to me since the 3rd party now owns the account and the remaining balance was conformed by td bank that its to be returned to me but they kept it instead/
Consumer complaint received 2024-06-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I tried to deposit {$5000.00} to ATMs located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I initially tried depositing with the drive through ATM and it didn't count the cash correctly and deposited {$3400.00}. The second time, I tried to deposit the remaining amount through another ATM XXXX XXXX XXXX XXXX XXXX  ) in the property and it only deposited {$100.00} and returned {$900.00}. Third time, I tried to deposit the remaining {$900.00}, and only deposited {$100.00} and returned {$800.00}. Two ATM machines located in this chase branch miscounted total of {$600.00} and I have no way of getting my money back. Please help me with finding the lost money. Please have the branch check the balance of these two ATMs and return my deposit.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Attention : XXXX XXXX XXXX XXXX Credit Bureau XXXX, Account Number : XXXX SSN : XXXX This has been the most unfair inconvenience that I have EVER experienced regarding errors on my credit report. There is no way of resolving this account. I have disputed it MANY times to NO avail. It continues to come back as verified although every time I call XXXX ( XXXX ) XXXX, XXXX XXXX  ( XXXX ) XXXX, and XXXX  XXXX ( XXXX ) XXXX, NOBODY CAN LOCATE THIS ACCOUNT. How does it come back as verified when XXXX can access the account?? I have sent certified letters to XXXX regarding this HUGE inconvenience and received a response that they can't help me. XXXX is the only bureau that has provided me with some relief and removed the account because they said it's unfair and against the law to leave it on my credit report. XXXX ended its partnership with XXXX Bank ( the card issuer ) and partnered with XXXX XXXX. It has now ended that partnership and partnered with someone else. Meanwhile, I am in limbo unable to speak to anyone that can help me to get this removed from my credit reports. This is a huge inconvenience and against the law. Regular people shouldn't be left to deal with the fallout from XXXX mergers. I spend hours EVERY SINGLE DAY regarding this, and nobody has any information on this account. I have included news articles that show XXXX 's ending of distributors of its store credit card and I'm certain that I'm not the only person that this has happened to. Please remove this account from my XXXX and TransUnion
Consumer complaint received 2024-06-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (TX)

XX/XX/XXXX I called Santander because I lost a XXXX pts on my credit. 
I spoke to a XXXX, who was the manager. He told me the vehicle was dropped off. I couldnt do anything because it was on its way to the auction. They would sell the vehicle and take it off my credit. On XX/XX/XXXX they emailed me about refinancing the vehicle. I called them. They told me it was a mistake and they sold the vehicle. They took the vehicle off my credit for a few months. Then put it back on there with false history. I asked for the identity theft department. They sent me a packet in 2023 without the info needed to fill it out. They have been no help.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I signed up with Chase banking services to take advantage of a promotional offer giving me {$900.00} if i started a new checking account and savings account and credit card account and funded both the savings and checking account within a specified time frame. the have blocked every transfer over {$1000.00} to fund the account to make me unable to meet the requirements to receive the {$900.00} promised by the bank. They rejected the first $ XXXX transfer from my other bank. When I called Chase they claimed my other bank rejected the transfer and it was out of their control. After contacting my existing bank XXXX XXXX XXXX they had told me no transfer was known to them or rejected by them. I called chase the next day and they claimed the " ACH transfers were not safe and would lead to hackers stealing all my money if i tried the transfer again '', I told them this was not true and i know how the ACH system works. They rejected my next transfer of XXXX again. I tried again to fund the account with XXXX which is in process. The next transfer of XXXX was also rejected then they DELETED my link to my other bank so no further transactions could ne initiated to fund my account. NEVER did they call me or the other bank to verify. They only rejected my transfers and then DELETED bank account link to make funding the account possible. I need XXXX in my savings to meet their requirements and XXXX in my checking and XXXX in my other checking to pay bills safely without an overdraft. They are cancelling every method of depositing money so they wont have to pay me another {$600.00} which was promised after funding my account. They also held my first mobile deposit of {$2000.00} which was a payroll check for 2 WEEKS! they are attempting every scam possible to prevent me from meeting the requirements of receiving the {$900.00} promised to me for funding all these accounts with sufficient amounts by the date they require! 

This is a bait and scam tactic to get new accounts without paying anyone the full amount they had promised as an incentive to join Chase.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (UT)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX Balance {$740.00}
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio recovery, a debt collection agency, could not provide the original contract from the original company. They are misrepresenting themselves as the original company. They are reporting that these are open accounts. They have not proven that these accounts are mine. They have dismissed my report of identity theft. 


PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$5600.00} Open balance PORTFOLIO RECOVERY Original creditor XXXX Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open - Individual Dispute resolved; customer disagrees PORTFOLIO RECOVERY PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$5800.00} Open balance PORTFOLIO RECOVERY Original creditor XXXX Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open - Individual Dispute resolved; customer disagrees PORTFOLIO RECOVERY PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$6200.00} Open balance PORTFOLIO RECOVERY Original creditor XXXX Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open - Individual Dispute resolved; customer disagrees PORTFOLIO RECOVERY