davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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. (FL)

XXXX, XX/XX/XXXX Good afternoon, I initially purchased an XXXX home theater system, a XXXX protection plan, and a XXXX spin XXXX on XX/XX/XXXX. The total for all three was {$320.00}. I paid {$30.00} as a down payment and an additional {$26.00} that was required. The remaining balance was {$270.00}. 

Below are the dates and dollar amounts that I paid XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} _________________________ TOTAL : {$630.00} The original amount was {$320.00}, and I have paid a TOTAL of {$630.00}. I reached out to XXXX on XX/XX/XXXX regarding proof of payment history. Almost an hour later I received an automated response stating they had received my concern regarding my account. They also stated that they would refer my issue to the correct department for handling. No response pertaining to the issue at hand. 

I reached out to XXXX regarding XXXX different concerns. In XXXX, the first issue I received feedback within XXXX days, and in XXXX, I received a response within a matter of minutes. 
My credit file shows the status CREDIT LINE CLOSED/NOT PAYING AS AGREED, shows the last payment as {$0.00}, start date XX/XX/XXXX, and closed date XX/XX/XXXX. 

My credit file should show the status as ACCOUNT CLOSED/PAID IN FULL AMOUNT, start date XX/XX/XXXX, & show the last payment as XX/XX/XXXX - {$150.00}. This is all documented with emails that were sent by XXXX confirming payment. 



Warm regards, XXXX XXXX XXXX
Consumer complaint received 2022-12-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC. (GA)

Santander offered me a loan through a car dealership, XXXX XXXX in early 2020 with extremely high interest rates and fees, with a high presser seller encouraging to take it with the promise of securing a lower interest rate in the future with refinance and the expectation of immediate processing without any verification of income. This resulted in extremely high payments which became impossible to afford. If the company had in-fact processed and confirmed income and debt to income ratios, I would have found another option that did not end in loss of the vehicle and the large down payment and payments made. I believe this case should have been included in the investigation and resulting lawsuit that was filed against Santander Consumer that resulted in a settlement with AG. 
I believe the company knowingly acted in deceptive consumer practices in my case as well as others, setting the consumer up to fail. 

https : XXXX
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX & Equifax are reporting an erroneous collection on my credit report for XXXX XXXX XXXX - XXXX - I never received one notice regarding this debt, it just showed up on my credit report. This was paid
Consumer complaint received 2020-03-23
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: Mr. Cooper Group Inc. (FL)

I divorced my ex wife 2014 an in the divorce papers it says she needs to refinance the house loan and or modify it and I will be held financially harmless from the debt on the house. she modified the loan and the bank crossed out my name off the loan and she took more money out and extended the loan without my knowledge and without my signature. she assumed all the debt on the house with the loan holder Nationstar. I have contacted Nationstar about this and they wont give me any information and they are still reporting it on my credit when they shouldn't be. I filed a dispute with XXXX  and Nationstar reported to them its correct however they can not submit anything after the date when my name was crossed off because I have not signed ANY paperwork with them. the last paperwork done with Nationstar is a modification and the modifications were taking my name off the loan and getting XXXX new money. and that money was given to my ex wife.
Consumer complaint received 2020-03-23
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: CITIBANK, N.A. (PA)

I was contacted by XXXX XX/XX/XXXX to look at my chimney for cleaning. When the representative came out on XX/XX/18 it was discussed what was needed and I signed a contract and gave payment in full prior to any work because they have been scammed in the past by customers not paying. The representative was suppose to come out 2 days later to do the job but did not show, I called the company and they reassured me someone would come out the next day. Again, no call no show. After multiple chances of the contractor not coming out, I called my credit card company Citi to dispute the charge and initially the removed the charge from my bill while they investigated. During the investigation they asked for documentation and even an estimate from another company which I had to pay for to show the work was not completed by the first contacted company, XXXX XXXX XXXX XXXX. XX/XX/XXXX, receive an email from Citi that my case is resolved and to reach out to the merchant to resolve. I called Citis disputes department and the representative tells me there is nothing for me to do and the investigators are working to retrieve funds from the merchant and that I should wait for 5-7 business days for resolution. I call Citi back on the XXXX of XXXX for the status on my dispute and they state its for me to contact the merchant for reimbursement and that it. I was totally shocked, the card I have used for millions of purchases threw the it on me to resolve with a company I can not contact and Im stuck with a {$1800.00} and my chimney still not fixed. Never use XXXX XXXX XXXX   XXXX/ XXXX XXXX  XXXX XXXX NY ( parent company ) because they are scammers. In addition, Citi Card is  terrible in customer service in resolving disputes, I have other cards and I have never been treated this way in resolving disputes. I will definitely cancel this card and would encourage to use any these businesses.
Consumer complaint received 2020-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NJ)

I, XXXX XXXX, recently received a collection letter from PHOENIX FINANCIAL SERVICES, trying to collect on an alleged debt that does not belong to me, I do not know anything about this debt, I have no idea how I could be receiving this if I never had anything to do with it. I depose and say I have ascertained all the facts and have no other reason but to believe that I am a victim of Identity Theft. The below account that does not belong to me : PHOENIX FINANCIAL SERVICES with an alleged REFERENCE # : XXXX alleged balance of {$2000.00}.
Consumer complaint received 2020-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (LA)

I Received a letter after having making a complaint with Chase Bank and your office. Complaint ID XXXX The letter stated that my money was available on XX/XX/2020 in which they lied I tried to buy my XXXX 's medication. I had no medication until I received my money on XX/XX/2020. I received a call from the gentleman at Executive Office. 

If you let them get away with this how many other people will go thru this. 

I want to go to court, with this bank I have all receipts of my complaint. 

Best Regards XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

Fedloan has completely ignored all emails and calls. The department I need to speak with is shutdown and there is ZERO people to answer questions or help with difficulty making payments during coronavirus. They have shut their website down several times for so called maintenance and I am unable to view my loans or speak with anyone. I am refusing to make a payment as customer service has been horrid and for over two weeks have ignored all my emails and calls, they need to be held accountable!
Consumer complaint received 2023-12-08
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: Experian Information Solutions Inc. (NJ)

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 2020-03-23
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. (CA)

My XXXX XXXX  debt was dismissed without prejudice in Superior Court of California , County of XXXX XXXX on XX/XX/2019, case # XXXX and should therefore be erased from my credit report. I have complained to both XXXX and TransUnion, have filed investigations with TransUnion, file number XXXX, sent copies of court documents showing the debt was dismissed, yet the debt is still being reported as a currently owed bad debt on my credit report.
Consumer complaint received 2020-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CT)

I know these are tough times, I applied for a loan on XXXX, during this time I was stonewalled, send this, send that, even infuriating managers at branch I filled the loan out. Not sure but I detect discrimination, its only a XXXX loan. Was approved for XXXX on XXXX, now I find out on XXXX I was denied after being approved. Never seen anything like this in my life, yes or no usually takes 2 or 3 days at most.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I discovered that XXXX XXXX XXXX Mortgage, reported to Equifax ( we believe to all three bureaus ) had only reported 27 payments. The payment history is 9 years. XXXX XXXX, incorrectly reported that the Mortgage was included in a now completed Bankruptcy, thus, damaging my Credit History. XXXX XXXX was DIRECTLY ORDERED, by the Bankruptcy Judge to not show that its account was " included '' in the Bankruptcy, thereby allowing me to make parallel payments, establishing a payment history. My Case was filed in the U.S. Bankruptcy Court, XXXX XXXX XXXX Missouri, XXXX, Missouri, in XXXX. The act is intentional and violated the FCRA and the Court 's direct order. This was done in retaliation for my being successful in my motion. I believe that I am entitled to relief, for each Bureau, minimum of {$1000.00} per violation and because their action is punitive, we ask that CFPB levy a substantial fine against XXXX XXXX.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have made several attempts over the past two years to receive my credit report from Equifax and have been unsuccessful. In addition, when I have applied for credit and Equifax Inc is the furnisher of the information used in making the decision with regard to my credit worthiness, Equifax Inc has reported a score of " 0 '' thereby making it impossible to gain credit causing undue hardship. Equifax Inc in addition has refused to provide me with a copy of my own credit report even though I have provided and forwarded all necessary identification information to them.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (RI)

I had an old AMEX account that had very low odd balance of XXXX dollars. This was somehow not paid before closed account and i had moved and did not realize as such. I tried to pay this amount to AMEX and as account was closed they would not accept payment and account was told to be charged off. But has been negatively effecting score for years and been trying since XXXX  to remove this form reports with no results. 

I recently reported a dispute with all three agencies being XXXX, XXXX and XXXX This XXXX dollars still shows on my report as a balance and is negatively effecting my credit. Please please help.. I can not get this off report. I have tried my best to have this removed and the credit agencies will not assist and remove from report. 

Please see my XXXX most recent reports with companies and if see page XXXX on XXXX report shows amex account balance of XXXX dollars. XXXX report has account on page XXXX and XXXX account is listed on page XXXX. This is just insane that this XXXX dollars is negatively impacting credit and I can not pay it or have it resolved
Consumer complaint received 2020-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES (FL)

Beginning with our mortgage statement for the month of XX/XX/XXXX, we have had to request the copies because we did not receive in the mail. 
We did not receive statement until after we made requests for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the XX/XX/XXXX. 
Emails and phone calls have not resolved the issue and the servicer will not say if other clients are experiencing similar issues. They have not acknowledged a problem. They have not granted access to a portal online where the copies can be obtained.
Consumer complaint received 2020-03-23
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. (CA)

I recently mailed a letter to TranUnion Consumer Solutions disputing an account on my TransUnion credit report which was showing as derogatory/collections with an outstanding balance of {$1800.00}. This account had already been charged off in the amount of {$2600.00} and I had reduced the amount by making small payments here and there and by the federal government withholding two small tax returns which I was due over the past few years.This collections account was USDA National Finance Center on behalf of the federal government and was the result of an over payment by the government which until recently went unpaid. 

I paid the outstanding balance of {$1800.00} online on XX/XX/2020 on the Pay.gov website. I mailed my dispute letter dated XX/XX/2020 with a copy of the receipt showing the USDA account had been paid in full to TransUnion Consumer Solutions on or around XX/XX/2020. 

I received a response from TransUnion in a dispute status letter dated XX/XX/2020 in which the credit reporting agency stated that after reviewing my dispute request it found the information I disputed did not appear on my TransUnion Credit Report and went on to state numerous reasons why it might have disappeared and/or been removed already. 

On XX/XX/2020 I reviewed a credit report offered free by a major bank because we have a business relationship. This credit report was from TransUnion and was updated on XX/XX/2020. The credit report showed the USDA National Finance Center account and it was still showing as outstanding collections/derogatory. 

TransUnion 's claim that this information was not found in its search of my credit report now looks to be false and untrue? On XX/XX/2020 I attempted to call TransUnion numerous times to discuss this problem but was hung up on every time by it's automated system. A check of the company 's hours of operation for Saturday and Sunday showed XXXX. I posted a comment on TransUnion XXXX page XX/XX/2020 and received a comment from XXXX requesting I send her a private message about this which I did but have not heard back from her or TransUnion. 

XXXX is going on with TransUnion that is what I want to know? This is one of the companies which we are forced to trust with our most closely held information are you kidding me? It needs to be sued because it is doing the public a huge disservice with terrible customer service and it's been ongoing for some time now.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX & XXXX XXXX, I received letters from Capital One stating they looked into a claim that I filed of fraudulent accounts. I NEVER filed anything or disputed anything. Since then I have reached out to capitol one many many times over the phone to keep getting the same answer that they are looking into the problem. on XX/XX/XXXX I spoke to capital one and they requested that I fax over letters to them stating that these accounts belong to me. To which I did. ( see attached ) after two weeks of waiting and phone calls again I still received no answer. On another call on XX/XX/XXXX I was asked to E-mail a copy of my driver 's license, social security card and a recent bill to which I did. ( see attached ) I have made numerous calls to capitol one and still have had no response to why my accounts remain restricted. All I keep being told is they are looking into it. As of today 's date XX/XX/XXXX almost 3 months later I called them to see if I could get an update. Got the same run around after being transferred to 3 different departments I got the same answer that they are waiting to hear back from the credit bureaus ... was told a month back it would take 30 days now today I was told it could take 60 to 90 days! something needs to be done, I have never been treated so poorly by a credit card company as I have been through capital one from NO FAULT of my own.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (GA)

I have been trying to reach Amex because I want to pay them for the credit card I have with them. 

The total is roughly {$1000.00} I ask to speak to someone to confirm my credit report will be updated when the payments are made, ( they told me there is also no way to access the online portal once my account is closed ) but no one would tell me who can help me and no one was willing to check into it as i get transferred over and over and they tell me that the credit bureaus or their billing department is who will update the reports once paid but then i ask to be transferred to billing to make areangements but instead get transferred outside of amex without warning and connected to a completely different company who proceeded to ask me identifying information only revealing after that that they are a debt collected attempting to collect my account. i told them i am not trying to avoid paying my debt but want to be sure i pay it to the correct person who i can confirm will be updating the negatives on my credit report to show paid in full instead of charged off. id that cant be done then please. remove the entire account from all r credit bureaus with the misinformation.
Consumer complaint received 2020-03-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (OK)

I received a letter from United Wholesale Mortgage on XX/XX/2020. This letter advised me of transfer of servicing to XXXX XXXX. I havent received any notification from XXXX XXXX. This is in violation of the notification process. I have a VA loan that has never been delinquent. In this letter it advises me that transfer will be effective XX/XX/2020. I normally make payment on the last day of the month and am concerned that when I make payment to UWM that the XXXX payment will get lost in transfer making my new account with XXXX XXXX. Late. I have done research on XXXX XXXX. They have the worst rating of service in the Mortgage industry and have hundreds of complaints that have given me concern. As a Veteran Consumer it is absolutely the worst fear I have to lose my excellent payment record. 

This company XXXX XXXX must be investigated for all the difficulties that have been complained about.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GOLDMAN SACHS BANK USA (SC)

I am not liable for the debt with APPLE CARD. I do not have a contract with GS Bank. They did not provide me with the original contract as I requested. In accordance with the Fair Credir Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 SECTION 6 0 2, states I have the right to privacy ( 15 U.S.C. 1681 section 604 section 2 ) it also states a consumer agency reporting agency can not furnish an account without my written consent and/or instruction. This was also reported to the XXXX
Consumer complaint received 2020-03-28
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. (DE)

I have repeatedly tried to get my credit report updated. The last dispute was XX/XX/XXXX. The results were once again deemed as accurate. This account from XXXX XXXX  has not been updated since XX/XX/XXXX and is now charged off. However, this account is still showing as open and this is adversely affecting my credit score. I have contacted XXXX XXXX on several occasions as well. They indicated that the account was sold to XXXX XXXX. This was never updated on my credit report and is still showing open and owned by XXXX XXXX. I have tried repeatedly to have this corrected and this has yet to be done by Transunion.
Consumer complaint received 2020-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (UT)

IC System - XXXX- is reporting on credit and attempting to collect a debt that I do not owe. For one they just put it on my credit report without notifying me. But it is for a XXXX bill which is not valid. XXXX was paid already and this debt is erroneous and fraudulent.