davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TN)

According to a XXXX statement, Chase credit card is charging me an interest of {$40.00} based on XXXX balance of {$9600.00} saying on the statement that it was due to new purchases {$3100.00} ( 16 % APR ) and a balance transfer promotion balance {$7500.00} ( 0 % APR till XX/XX/2021 ). However, I paid off more than my sum of purchases for that bill cycle and those two balance numbers added together equal much more than my XXXX balance {$9600.00} or my XXXX balance {$8700.00}. It doesn't make sense. 

I contacted their messaging center a few times and received bogus AI responses. Then a person or two responded but they never answered my questions. If that isn't enough when I finally called, all they say is that any payment goes towards the lower APR first, which doesn't make any sense considering the math on their statements. Nobody is doing any calculations over there or explaining anything using basic math and correct logic. It's disheartening. 

Overall, there are two things happening that are wrong : 1 ) they are not counting any returns to go to purchases and automatically deducting it from the balance transfer balance ( 0 % APR ) and 2 ) they are charging me for a total balance that I don't have. 

So all they tell me on the phone and in messages that I have to pay off my balance transfer promotion before I can pay off the purchases, even when I have returned purchases ( XXXX + cancelled flights ) credited to balance transfers balance instead of to purchase balance. I've never seen a credit card company do this. Disclosures or no disclosures. It's totally corrupt and misleading.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

I have submitted countless claims against Shellpoint Mortage because they threatened me with foreclosure when I have never been late on my mortgage. 
In this complaints attached documents, I have shown my complete payment history that proves I have never been late on my mortgage. 
I even have a letter from Shellpoint stating that I was not late on my mortgage attached to this complaint. 
Currently, XXXX  is once again showing a 90 day late for XXXX. All three credit bureaus are not reporting that I am making my payments. XXXX  does not show any of my payment history for over a year. 
I am trying to buy a home, and this inaccurate information is hurting my credit score, and preventing me from being able to buy a home. 
Lastly, Shellpoint increased my mortgage payment by {$75.00} for no reason. They did not provide a reason for increasing my mortgage payment.
Consumer complaint received 2016-10-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (OK)

I received an original medical bill of {$570.00} from XXXX XXXX ER. AMCOL collections then acquired that debt, but issued a collection to me for {$570.00}. I had already paid the {$570.00}. I have documentation to prove this. I spoke with them on the phone about this and they confirmed that I did pay and that I am right. AMCOL is still reporting this debt on my credit reports, even though it is paid off.
Consumer complaint received 2017-10-13
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: LEXISNEXIS (FL)

ALL THE XXXX CLAIMS ARE FRAUD AS A RESULT OF ID THEFT HERE IS A POLICE REPORT THEY NEED TO REMOVE THIS THIS IS THERE FINAL OPPORTUNITY BEFORE I FILE SUIT AGAINST THEM
Consumer complaint received 2020-04-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC. (FL)

To date, my phone calls, voicemails and emails are being ignored. I despise that and feel totally disrespected. Triad Financial website states " world class Professionalism : ... I'm finding XXXX. On XX/XX/XXXX I was able to speak to the VP who found this " lost '' cashier check dated XX/XX/XXXX for {$46000.00} and said he would have it applied on the principal of my {$76000.00} loan, have my account recasted as it would make a big difference in my payments and send me an amortization schedule. EVERY DAY I still find only {$34000.00} applied to the principal. By the way, my contract clearly states no penalty for prepayment. My first payment on XX/XX/XXXX and second on XX/XX/XXXX are posted XXXX ... incurring undue extra interest. They have made future payments ( surely including interest on the larger amount ) and the website shows I do not owe a payment until XX/XX/XXXX ... 74 days away! I am still going to stay on schedule and make the XXXX payment. {$41000.00} is hanging in " mortgage ''. No communication nor correction to my account has caused enormous stress from someone not being honest. I think about this constantly. I am XXXX years old and used my life savings to buy this XXXX mobile home and am now helpless in this mismanagement of my money. I have sent a letter to CEO on XXXX and unfortunately not received a phone call nor any response. Is this normal practice? Is this legal??? Please help me to have an accurate posting, date AND money. This is stealing.
Consumer complaint received 2020-04-09
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. (SC)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-09
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. (SC)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within TransUnion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (AZ)

Ally direct has been a nightmare. Two issues. 

First, they lost a payment I made. I said all documentation and this was never corrected. Customer service representatives were belligerent and completely unhelpful. 

Second, when they received the payoff from the automotive dealer when I traded in my car, they took forever to post payment and then did not back date it to the correct date. This has caused my account to report 30  days late, dropping my credit score over 65 points. I have not had a payment 30  days late and over 10  years. 

I believe Ally Direct 's systemic negligence and complete lack of care for consumers cause this problem. I have many recorded phone calls supporting my position. It is frankly, for a lack of a better word, mind-blowing! 

I demand that my account be corrected immediately and that immediate updated reporting the made to all major credit bureaus reflecting this account was never 30  days late. 

Everybody threatened legal action. I am not making such a threat. I am making such a promise if this is not rectified immediately. 

Once this has been corrected and Ally direct has issued a written apology, I will consider this matter closed.
Consumer complaint received 2020-04-09
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.M. Galicia, Inc. (CA)

after repeated harassing calls from progressive Management systems and me time and time again repeating myself not to call me during those hours because I work independently for a company called XXXX XXXX XXXX and that it is affecting my job they continue to attempt to collect a debt I do not owe and should have been serviced by XXXX XXXX hospital  through its billing system to XXXX. The dates align the billing the lines and progressive management should not be allowed to break the fcra current laws in regards to debt collection XXXX should XXXX XXXX hospital dump its lack of billing personnel on the future of my life.
Consumer complaint received 2020-04-09
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. (VA)

XXXX XXXX XXXX XXXX is reporting a credit card as charged off for {$950.00}. Then they are reporting a balance of {$620.00}. The company has a due date if the XXXX of every month. If this account was charged off, the company would not ask for a payment due on the XXXX of every month and if the balace is going down every month, it should not have an amount of {$950.00} charged off. This account is reporting incorrectly
Consumer complaint received 2020-03-27
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I HAVE ALWAYS BEEN VERY CAREFUL WITH MY CREDIT AND KEEPING A GOOD CREDIT HISTORY. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted the company on several occasions and platforms to get the credit inquiries removed due to unauthorized. I also sent in the police report showing them that my wallet with social security card and driver license was stolen. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

I was a Suntrust customer for years. They have now merged with BB & T to become Truist. Direct deposit are not being posted to the account when they are supposed to be. They will not answer the phone - hold time is hours and hours long. When you do get through they say they do not know what is going on or why this is happening. I have proof that the direct deposit was sent to them and I verified my routing and checking account number is correct. Over {$3000.00} is just missing!!!
Consumer complaint received 2020-03-26
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. (MS)

Credit Bureaus are allowing Creditors to report inaccurate and unverifiable data, not belonging to me, on my credit file. One in particular ( XXXX XXXX ) has provided information and account information not belonging to me, which could have resulted in identity theft from the reported address and names. Account is not mine. Credit Bureaus and Creditor has Refused to provide me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA-you are required to '' ... promptly DELETE all  information which can not be verified. Credit One is not complying with the FCRA and I demand the items be deleted immediately.
Consumer complaint received 2020-04-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I was a regular customer at California Check Cashing when they offered me a Line of Credit through LEVLPAY, product of XXXX XXXX. The staff were asked various times to explain the process and they purposefully mislead me over and over with doublespeak. For a line of credit for {$500.00}, I was assured I would be paying a {$50.00} fee. What California Check Cashing DID NOT disclose is that they would need to print a check in order for me to receive the proceeds from the loan. After I agreed to get it because I was needed immediate cash, THEN they told me it was an Out of State Check that they would have to charge me {$25.00} to cash, SCAMMING me out of additional funds they had not disclosed while marketing this product to me. I press they have done this to other poor people and surely this is PREDATORY. I just had my account debited for a portion of my outstanding loan XXXX couldnt pay because of their deception. I want both XXXX and California Check Cashing held accountable for working together to defraud people who are already struggling financially. It is wrong and they need to be stopped. Why would two California companies issue a check from a bank in another state and not disclose until after your check is printed? THEY ARE BOTH PREDATORS.
Consumer complaint received 2020-04-09
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: Experian Information Solutions Inc. (VA)

I submitted a dispute because none of these companies notified me 5 days prior toplacing information on my credit report. I requested proof of an originaln document showing my name and address on it and the credit bureau has not reposded to my requests. The accounts are from ; XXXX XXXX XXXX or XXXX
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 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 2022-02-24
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. (TX)

To whom it may concern : I have mailed several disputes and no changes have been made, to experian, XXXX, and XXXX regarding these accounts XXXX XXXX XXXX and XXXX XXXX XXXX. 

On my Experian I have mailed several disputes since XX/XX/2014 and no changes made for XXXX XXXX XXXX and XXXX XXXX which is listed on my credit report in error. 

Everything else is listed correctly. Please remove the incorrect accounts from my reports.
Consumer complaint received 2020-04-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. Me and my father share the same common name. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.
Consumer complaint received 2020-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.
Consumer complaint received 2024-03-19
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. (GA)

Under the stipulations of 15 US CODE 1681i ( B ) ( iii ), it is mandated that Consumer reporting agencies ( namely XXXX, Transunion, and XXXX ) are required to furnish a written notification to a Consumer ( in this case myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of information on Record. This includes providing the name and address of any information provider contacted with their contact number. Way and excessively over 30 days ago, I solicited documentation to substantiate this account, yet I have not received such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report. 
I started sending Disputes to the Credit Agencies in XXXX of XXXX. 
Each time after notifying them that there is information needing to be fixed. Either no response was given, or a generic letter asking to confirm my identity was sent to which I responded again with the same letter and was met with the same response. I am within my right to dispute any information on my report and seek legal counsel if it is not corrected. So this is my last time submitting this complaint before calling a lawyer and suing to get my rights. 
Several Hard inquiries on my report need to be removed from my file in under 15 U.S. CODE 1602p. I only approved Credit inquiries from XXXX XXXX XXXX and XXXX XXXX ( NOT AUTO ) Late payments should be removed based on 15 U.S. CODE 1666b Charge-offs should be removed based on 15 U.S. CODE 1601 Repossessions under 15 U.S. CODE 1601 Collections that can not be verified Please remove everything I have listed above as the information provided in my report is inaccurate and goes against my right to privacy and fair credit reporting practices.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX  Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2016-09-16
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

I used " western union '' service today to send money. After i completed money transfer page and provided my bank routing and account numbers to transfer money from i clicked " transfer ''. Then there appeared next window asking me to provide my login and password for my online banking " FOR VERIFICATION ''. 
I clicked " cancel ''. Then it was " if you cancel, this transaction will not be completed ''. 
I clicked to " cancel ''. Then next window appeared saying " your transaction is successful and complete ''. 
So, this is clearly fraud! They are asking people for online banking login and password " for verification reasons ''. 
Thank you.