davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Santander Consumer USA Holdings Inc. (WY)

I have a car payment in the amount of {$840.00} a month, as of XX/XX/XXXX I have made payments in the amount of {$450.00} twice a month. In XX/XX/XXXX I made a total payment of {$790.00}. Then end of XXXX I made {$100.00} payment via XXXX XXXX card, a {$220.00} payment via my checking account on file and again {$450.00} payments every other week. The payment made in XX/XX/XXXX should and would have covered the remaining balance for XX/XX/XXXX. Via XXXX, XXXX and XXXX all three bureaus show paid on time for XX/XX/XXXX however, Chrysler capital is stating that I owe {$370.00} for XXXX!! I had to make a future secure payment in this {$370.00} amount for XX/XX/XXXX payment, that has already been paid several times over!! Chrysler then reported the account 60+ days past due knocking my and my spouses credit score XXXX points down. I have all bank statements and proof I have made these payments. My last payment ( s ) were XX/XX/XXXX {$230.00} out of my checking account and {$230.00} out of the XXXX XXXX card. I am so sick of Chrysler Capital not counting my payments towards the correct months, destroying our credit score as well. The employee I spoke with stated that I have been making payments partially in two amounts since the contract began, but as of XX/XX/XXXX Chrysler Capital is NOT accepting the payment spilt up like that and I must pay only on the due date which is the XXXX of each month. The employee confirmed that I have in fact been paying {$50.00} over the amount due each month, and I do have a 10 day grace period but since I do not pay the amount due on the XXXX that NONE of my payments have counted, and my vehicle is now up for repossession! Also, Chrysler Capital is illegally hitting my with a delinquent fee for everyday I make a payment that is NOT on the XXXX. The example given to me was as follows : If I make a payment in XXXX on the XXXX and XXXX of the month, but the payment due date is the XXXX, then both payments of {$450.00} will NOT count towards the monthly payment for XX/XX/XXXX, I will also be hit with a delinquent fee from the XXXX of XXXX to the end of the month and my car will be up for repossession. 
I have never been so frustrated and felt taken advantage of in my life. I have been making the payment monthly even though I am on unemployment, and Chrysler Capital has taken my payment each month since XX/XX/XXXX. How can a company take a payment but then say this payment does not count? How can they negatively effect my credit score? I need help correcting this
Consumer complaint received 2022-12-31
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'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 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 2020-03-27
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. (NY)

We have made several attempts to correct a error on my credit report and the cra refuses to investigate or correct a problem on my report. I have reached out to the source of the info and have received the following reply. 
They have confirmed that this is not my account and it should be REMOVED IMMEDIATELY. 
I have said this over and over again the the credit agency and still they have refused to do a proper investigation. Attached is a letter from the account listed on credit report. 
PLEASE REMOVE XXXX ACCOUNT FROM MY REPORT IMMEDIATELY. 
Proof Attached.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (IL)

I applied for an Indigo Mastercard issued by Concora Credit. I was approved but was never informed about the credit limit. I received a confirmation email and using that information and the online account. I found it was only a {$300.00} limit. I immediately called Concora and stopped the process / cancelled. I received a verification letter from Concora that the account was closed. I never received a card so the account was never activated.

Today I received an email " statement '' indicating I owed Concora / Indigo {$75.00}.

I should owe then exactly XXXX. I tried calling numerous times but they have " technical difficulties '' as usual.
Consumer complaint received 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (CA)

After months of confirming with the mortgage company that they would pay all my property taxes ( including all the supplemental bills ), they did not pay the first half of the property taxes on time and then I incurred a late penalty. Every single person I spoke to ( over XXXX different people after spending hours on hold ) had no idea what was going on. 

I had to email their tax department separately and never heard back. 

Then mysteriously a large amount was removed from my escrow account, but the property taxes still show unpaid. 

Now comes the second deadline for property taxes and the Tax office says they still did not get the payment. 

I have called the mortgage company multiple times and they still can not give me an answer as to why it is not paid. 

I have to pay them so that they can pay my property taxes, then I have to spend hours and hours for months on the phone babysitting them to make sure they pay, and they STILL do not pay. Now they are putting the almost {$350.00} in late penalties on me, even though they did not pay when they told me they would. 

It is impossible to work with them and I wish I could switch to another company.
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

On XX/XX/2022 statement date I received my last bill from XXXX XXXX XXXX XXXX in the amount of {$600.00} due XX/XX/2022 for the remaining of my lease that expires XX/XX/2022 at XXXX. I paid the billed amount of {$600.00} plus processing fee of {$3.00} totalling {$610.00} on XX/XX/2022. I know this was the las bill because my rental/lease fee is {$1400.00} plus trash, water, gas, pest control & service fees. I call the leasing office for them to correct the mistake but they just threaten me and hung up on me. I call again after I was made aware of the fees and XXXX stop answering my calls.
Consumer complaint received 2020-03-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (FL)

THIS ACCOUNT IS NOT MINE, I HAVE ASKED THEM TO PROVIDE VALIDATION, PROOF, WHEN I ASK THEM TO DO SO, THIS HAD A NEW DATE OPENED DATE, AS IT WAS SCHEDULE DTO FALL OFF MY CREDIT, IT HAS CAUSED MY SCORE TO DECREASE, THEY HAVE SOLD THE DEBT SEVERAL TIMES, AND EASCH TIME THEY DO, IT HAS A NEW OPEN OPEN DATE, THIS IS NOT FAIR UNDER THE LAW, I RECIVE SOCIAL SECURITY INCOME, AND THEY ARE ASKING ME TO PAY A BILL THAT IS MINE, THE SIGNATURE ON ANY DOCUMENTS IS NOT MINE, I AM ASKING THEM TO ABSOLVE THE DEBT
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (FL)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CO)

So I made a credit card payment of {$200.00} which posted to my account on XX/XX/XXXX. The running balance showed {$1500.00} after that {$200.00} payment. See attached photo. Fast forward to around XX/XX/XXXX or so I went to make my payment for XXXX. This is when I noticed the discrepancy. My running balance was still showing {$1500.00} yet my statement balance showed {$1700.00}. I contacted customer support and through multiple conversations with different representatives, supervisors, ect none of them where able to explain the discrepancy. I sent in the screenshot of what I was talking about and then I received an email on the XXXX of XXXX stating that per my request the dispute had been resolved and dropped. I then reached out again to customer service and informed them that I didn't resolve my dispute nor had I said anything along the lines of wanting to drop my dispute. When I inquired about me dropping the dispute and how that all came about I received a sympathetic message from a representative through the text message portal that let 's you speak with live agents. However, despite the sympathetic text the agent still couldn't answer my questions. They never did answer or were able to answer my initial question of why there was a {$200.00} discrepancy. I recieved one answer saying that the difference between the two was because they had issued me a temporary credit of {$200.00} and that is where the {$200.00} discrepancy came from. I pointed out that the running balance I was referring to was screenshoted on XX/XX/XXXX and that it showed {$1500.00} yet my statement balance showed {$1700.00} and this was all screenshoted before I even initiated a dispute. I then went on to have several other conversations with different representatives and one thing was always consistent. They were never able to answer my question and explain how or why I had two different balances showing which has been extremely frustrating and I now am starting to think I'm getting screwed out of {$200.00}. I've attached a screenshot from XX/XX/XXXX showing the balance in question as it shows {$1500.00}. I then have a screenshot from today XX/XX/XXXX showing my running balance after a payment of {$200.00} posted yesterday. I also included emails concerning when I initiated the dispute and an email telling me of my case being dropped when I had never asked for it too be
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2020-03-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (WV)

XX/XX/XXXX Hazard Insurance was paid to XXXX {$860.00} that was not even due yet until XXXX. I told CitizensOne Bank which is a branch of Citizens Bank that they wrongly paid XXXX. They told me it would get fixed. No refund yet then On XX/XX/XXXX They paid Hazard Insurance again {$750.00}. Then I get a letter stating that I owed them back for some kind of repay on escrow advance plus my mortgage would go up {$100.00} if I did not pay roughly {$1200.00}. to fix it. I called and complained. Come to find out they payed someone else account at XXXX. I would have had to wait until my insurance company to return the money before they credit {$860.00} back into escrow. I went ahead and pulled out of my savings to correct the mistakes they made. XXXX XXXX, XXXX CitizensOne paid hazard again to XXXX {$690.00} they paid someone else account again. I called and made another complaint as to why they keep paying XXXX. I called XXXX and they said they had no such payment. I kept calling Citizens to fix it and got on a conference call. XXXX recorded conversation and Citizens said that it was their mistake and that the payment would be canceled. XXXX XXXX, XXXX CitizensOne paid XXXX Hazard Insurance again {$750.00}. XXXX said they can not give money back because it i not in my account to give back. Every time i make my Monthly payment my escrow stays {$0.00}. It goes to a repay of escrow advance. Now I got back {$750.00} but they still have not given me back {$690.00} and if any fees for some kind of repay in advance there is none given back either. This whole account needs to be looked at because there is no telling where else they hurt me. I am afraid of any foreclosure due to no money in escrow. I should have plenty by now. I have given them a lot of time to fix and yet still no fix. The one that was suppose to look into this is XXXX XXXX office chairman at CitiznesOne. Clearly I have been done wrong
Consumer complaint received 2020-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

On XX/XX/XXXX I paid in full upfront for one year of service for my rental property with XXXX. That service was completed on XX/XX/XXXX. Then in the fall of XXXX, I receive a call from XXXX asking for payment for the fall treatment. I told the lady, I paid for the one year service and was finished with my service. I did not ask for or authorize XXXX to go back out to the property after my paid in full service was completed. She put me on hold, had a conversation with someone, came back to the phone and said she understood and would write it off and take care of the {$70.00} charge. Fast forward to XX/XX/XXXX. I now see on my credit report as a collection. I never received anything in the mail asking for this money. Only the phone call and I was under the impression the bill was writen off because I did not order the treatment. As you can see from my credit history, I have a very high credit score and pay my bills ontime, everytime. I never would have let {$70.00} go to collections. This is very disturbing to me that a service can be charged to me that I didn't ask for, then send to collections with no written notice to me along with a verbal conversation with the company saying they were sorry and would take care of it. Please have this collection removed from my credit. Thank you
Consumer complaint received 2023-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

TransUnion under 15 USC 1681 is an ELABORATE MECHANISM that ASSUMED its role to report on consumers. TransUnion is DEMANDED to exercise their GRAVE DUTIES to report on consumers accordingly to the FCRA with RESPECT and ACCURACY. TransUnion has in fact FAILED to EXERCISE THEIR GRAVE DUTIES and are in violation under Federal Law. TransUnion has violated 15 USC 1681a ( 1 ) ( 2 ) which states " The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report '' TransUnion has included such accounts on my consumer report. TransUnion is in violation under 15 USC 1681c ( a ) ( 4 ) which states " Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' TransUnion has included such account in my consumer report. I DEMANDED removal of these accounts and TransUnion has instead CONDUCTED A FRAUDULANT REINVESTIGATION and has stated VERIFIED. I DEMAND under definition of " INVESTIGATIVE REPORT '' and 15 USC 1681i TransUnion to provide the NAMES & ADDRESSES OF THE PEOPLE THE PERSONALY INTERVIEWED TO VERIFY THE INFORMATION by XX/XX/23. If TransUnion CAN NOT provide this information, they SHALL delete the demanded accounts IMMIDIATELY for conducting a none requested Fraud Reinvestigation. TransUnion is liable under 15 USC 1681n and 15 USC 1681o for Federal Law violations.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

This bank has cause me emotional pain during this most difficult time that everyone is experience. We are in a difficult time that everyone is using their debt card. A lot of businesses are dishonest and if I order a product and never receive my product the bank give us the right to dispute, After I did so Wells Fargo want to punish me. I have bank with them for over 8 years and the moment I have money in my account them want to punish me. If I dispute a merchandise and receive the mechanize I will call wells Fargo to inform them that the product was received and they will closed the case ( It never mentioned as if I called but a represent will put close on there, but I will call and closed the case, on so many occasions. I believe because I informed they about a mechanize I never receive they decided to punish me. I need to use my debit account, who can stay without their debt card for 12 months, Everything we buy is by using our debt card. During the worst economy time in America,  they have cancel all my debt card. I am so upset and need to contact the consumer protection who can protect customer because these banks are run my frauds who only care about their money and not the customers. I can't go into your bank and touch any money during this coronavirus. You want to give me conronavirus with getting money from the bank.
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (MI)

To whom it may Concern I want to file an executive complaint against all three credit bureaus I have reached out to the Three Credit Bureaus To have these fraudulent negative items deleted that is negatively impacting my score Ive asked them to remove the negative items from my credit report numerous times after so many failed attempts to have the derogatory items and remarks removed from my credit report that was made fraudulent due to identity theft that Caused these negative items on my credit report they failed to send me proof of the reasonable verification process of proof how these accounts were validated or verified I have all my proof and documents to provide
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OH)

I got a credit card from Synchrony because of XXXX XXXX. I made some purchases and paid in time for the first year and then I did not purchase anything for 13 months. Between that time my credit score went from good to excellent and instead of them giving me more credit they decided all of a sudden to lower my credit. That was reported to the credit bureaus and ended up lowering my credit score.

I called Synchrony asking them to review their un-called act against my credit score. I told them that if they feel like customers not buying is a way to measure the credit amount this should be mentioned when I first got the card and also before they do such act they should inform me, maybe warn me that I need to buy something. I only wanted them to bring my credit to what it was before and report the credit bureaus so that my credit score would go back. 

It took them a month going up in their scales of decision and finally I got a message from XXXX XXXX ( Corporate Specialist, Consumer Relations ) : " We understand that the lowering of your credit line might be upsetting or inconvenient for you, and we regret we had to take this action, especially since you are a valued customer. Our position remains the same. We regret any frustration this matter may have caused. 

I would like to make it clear that this is not about the money or the points, this is about customer care. I took time to show them that I was frustrated with a decision and that they could review it to keep me as a customer. My credit with Synchrony was XXXX and they lowered to XXXX. My overall credit with all my credit cards are more than XXXX so XXXX dollars makes no difference but I only want to give my business to people that care about it. Unfortunately I will have to stop buying from guitar center because it's their partner for financing. Hope that XXXX  finds a bank that takes care of their customers as they do, then I can go back to them
Consumer complaint received 2023-01-01
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. (NJ)

So I sent a letter off on XX/XX/2022 verified/ certified mail. Here is my tracking number to my letters is # XXXX. The purpose of this letter was to remove personal information that I do correlate with my accurate information as well as accounts that do not correlate to my informations. In violation of U.S.Code 1681e ( b ) the compliance procedures conclude all information should be 100 % accurate. According to the fair credit reporting act 12 USC 1681. I have the rights to my privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2020-03-15
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: Continental Finance Company, LLC (TX)

Sent letter to XXXX/CONTFIN notifying them that my XXXX  credit report showed an unauthorized hard inquiry they had made and that I was not aware of. I requested that these inquiry be removed immediately this inquiry has been cited as a reason for me to receive credit. I also sent a copy of my credit report showing the inquiry. The letter was sent to the following address : XXXX/CONTFIN XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, DE XXXX