davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

I have lease a vehicle with Kia. After the lease was up I turned my vehicle in and they did not advise me of any additional charges. I went to get a mortgage knowing my credit was excellent, but now was dropped 100 points from KIA financial. I immediately contacted them to pay whatever balance there was because they were reporting it on my credit report. It has been four months, and they have continued to report a delinquent account on my credit, ruining my credit score. I have called them, reported disputes, NUMEROUS TIMES over the past four months and not one of the employees from KIA Finacial have helped at all. I need to report them because nothing is being done no matter how many times I contact them or dispute their reports to the credit unions.
Consumer complaint received 2020-08-04
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. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Consumer complaint received 2020-06-12
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. (WA)

XXXX  XXXX and XXXX bank account balances are incorrect. Equifax can not verify my information and I was logged in to my Equifax account, giving them the information on file. The rep constantly asked me the same information over and over and said I could not verify the accounts. The purpose of me calling was to dispute inaccurate information. So most likely thats why I can not verify the accounts. XXXX  XXXX updated the balance and XXXX  update the balance to XXXX. I need to use my credit and I need XXXX  XXXX to reflect XXXX balance on all reports. Also I need XXXX  to stop aggravating me.
Consumer complaint received 2020-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

Credit Collection Services has contacted me about a debt that I do not owe. I spoke with the company on the phone on XX/XX/2020. I have requested that Credit Collection Services remove this information from my credit report. The company has not provided any proof to validate the debt, and when I asked for information in writing -- I was told that it could not be provided and that I would have to rely on the representations made on their website. According to the Fair Debt Collection Practices Act, I have a right to request information in writing. Their refusal to provide information in writing has made it difficult to settle this information.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

In XXXX of this year I was late on a payment on a couch that I financed through XXXX XXXX. My balanced increased on the couch {$41.00} and it caused my score to drop 129 points. I believe that is completely unfair. I have tried to dispute this with no success. 

I was so upset about the missed payment because I was overpaying on the couch that I paid {$1000.00} on the couch a week later and it only moved it back up 57 points. 

I dont care what algorithm, scale, or formula they use, no {$41.00} dollar balance increase on a {$4000.00} couch should cause your score to drop that much.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I filed a dispute with capital one in XXXX of 2020 because they were reporting my payments late so my score took forever to update. Capital one removed my credit cards from my credit report ( I have 3 cards ). I was about to buy my dream house with a credit score of XXXX it took me a year to go from the 500s to where I'm at now. My fico score is trash my credit score is now XXXX and I have never ever missed a payment!!! I've worked as an essential worker and finally had everything I needed until capital one dropped the ball. I was told they might put them back. So I hung up and now I'm here! I did nothing wrong they gave me 3 credit cards and then trashed my credit all I can do is cry.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (OH)

My wife tried to make a payment on my Sears/Citibank NA credit account and because she wasn't listed on the account they placed a " fraud alert '' and the account was frozen. I received a notice of fraud alert in the mail with instructions to call them. I called and tried to resolve the issue, but was told they " could not verify my identity '', due to the fact that i was not calling from the phone number listed on my account. I had excellent payment history for years, and even gotten married and bought a house since the account was first opened. My address was updated on the account and we were receiving monthly statements to my updated address, but I assume my phone number wasn't updated. Once the fraud alert was placed on the account I had stopped receiving monthly statements or any correspondence other than one letter with a phone number to call, upon which calling the number I have been repeatedly told that I am not who I say I am. Sears/Citibank NA then placed late fees on top of late fees, closed the account, and has continued to report my account as " late ''. Before all this started i had a credit rating of mid-to-high 700 's and currently I am in the low 600 's. I was willing to pay what I was responsible for, but without any statements or even a way to dispute any charges I had no way to access any account information.
Consumer complaint received 2020-06-12
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: Experian Information Solutions Inc. (GA)

I have been disputing inaccuracies on my credit report for almost 4 months and the credit bureau 's never sent me a credit report. All of my information is being updated and I am sending the documents that are asked and they refuse to investigate the following accounts. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX These are all collection agencies that Ive been asking XXXX  , XXXX  and Experian to investigate and to make sure they have signed contracts with these companies where I singed and each dispute has been ignored.
Consumer complaint received 2024-01-11
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. (GA)

This serves as a follow-up to my previous complaint dated XX/XX/XXXX. I am scheduled to update my credit reports once again within 15 days from today, and I anticipate further deletion updates from XXXX, XXXX, and TransUnion. I have taken the initiative to list the items here once again and re-attached my new FTC report with # XXXX. The items for removal are listed per bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$32000.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (MA)

My problem with American Express is that they closed my account and are refusing to issue the balance of that account due to security concerns. When asked about specific reasons or concerns the only answer I was able to receive from them after several attempts was that for the security of their bank and other customers they didnt need to give a reason or any explanation. While this was extremely frustrating, I then tried to recover the balance of the account. They said because of their concerns and reasons for closing the account, which they would not tell me, the only way I could recover the funds was to have the issuing bank the funds came from withdraw those deposits and put them back into the originating account. I still have an account with the issuing bank but they are unable to withdraw the money back from their end. I tried to have the two banks communicate but they would not communicate on a recorded line. American Express refuses to issue a check for the remaining balance. And now four months later I have still not been able to retrieve my remaining funds of that account. The account was opened by myself on or around XX/XX/XXXX and closed by American Express on or around XX/XX/XXXX. I do not have exact dates as they have blocked the online access to the closed account. I dont know what else to do and would appreciate any help you could offer me. Thank you
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

Syncrony Bank has opened an account with with my info in another persons name, I have called numerous times and they have failed to solve the problem. My name is XXXX XXXX and the scammer is using the name XXXX XXXX. The bank refuses to help me solve this issue. I will be forced to close all of my credit reports. Please help me! My email was sold on the dark web and I need this resolved. The bank won't listen to me even though all of my personal info is connected to this account.
Consumer complaint received 2020-06-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I have been trying to dispute an incorrect negative account on my credit report for over a year. I tried to dispute this online after retrieving the report in XX/XX/XXXX, only to go through the entire verification of my identity process and then be told that the dispute had to be filed by mail due to " system issues ''. I then tried disputing by mail on XX/XX/XXXX with no response. This issue resurfaced when i was going through a refinance in XX/XX/XXXX. This time i received a message to use " my equifax '' to file my dispute. I again went through the entire verification process on XX/XX/XXXX and was told i needed to call in. I called in and the offices were closed. I called back on XX/XX/XXXX and went through the verification process to be advised that i could file a dispute online. The system then terminated the call. Today ( XX/XX/XXXX ), i called to dispute and was routed through the verification process, once again entering all of my personal information only to be told the offices were closed and to call back during normal business hours. This information has been resolved with the other bureaus. Equifax who exposed my and many other consumers data insists on using a system which requires you to provide PII to their systems with no intentions of providing support.
Consumer complaint received 2020-06-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I lost my job last year and had many financial hardships. I was about to save my home by doing a modification on by existing loan. I completed the trial period of three months than I began making regular payments to the company. After I started making regular payments the company sent me a ststement informing me that I owed them XXXX This was after legal documents were signed that stated How much I owed and, my new payment amount. 
My concerns are : 1. If I did owe this company additional money why was this not calculated into the modification. 
2. I have called this company multiple times and then state the XXXX is due to fees assessed. What fees? 
XXXX. If a consumer is already going through a hardship how can a company modifiy their loan and than expect them to pay an additional XXXX 4. This company had 6 months to identify all monies they believe I owed them during the modification process.Everything should have been involved in the modification process They are setting me up to lose my home of 25 years. And I believe what they are doing is illegal. Informing me of an additional amount of money owed after legal documents were signed and notarized stating I owed the company a dollar amount without this XXXX. This is illegal
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (AL)

I called Jefferson Capital to settle a debt of XXXX and have it removed from my credit ..they gave me a settlement amount for XXXX and they said I can pay that and they will have all three bureaus remove it once paid ... I paid this amount on XX/XX/2020..confirmation # XXXX ... the account updated on my credit and now shows a balance of one thousand and some dollars ... .I paid the settlement amount in full and when I call the customer service number it says o have XXXX balance please help and remove this account
Consumer complaint received 2020-06-12
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible. XXXX {$240.00} XXXX {$3200.00}
Consumer complaint received 2020-06-12
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible. XXXX {$240.00} XXXX {$3200.00}
Consumer complaint received 2020-06-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I had a mortgage with XXXX XXXX. It was transferred in XXXX to Carrington Mortgage. I have been calling Carrington every week trying to make my monthly payment. Every time i call the agents either hang up on me or tell me i cant make any payments due to covid-19. I was told to log in online and make a payment. I have tried to set up an online account but it says that they cant find my loan in the system. When i call Carring support for help no one can help me set it up. I WANT to pay my bill and they are not allowing me. I need help so this does not damage my credit scores. My cell phone is XXXX
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called Capital one today XX/XX/11 and asked why my cards wasnt reported to the app? Capital one said my cards was close due to reasons they can not explain. The card was paid off and they just gave me a credit increase in XXXX. I was put on hold and never got to speak to a manager.
Consumer complaint received 2020-06-12
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.
Consumer complaint received 2020-06-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (ME)

Filed original complaint on XX/XX/2020 that I cant get into my account by either internet or phone. Every time I call someone from outside the USA wants my social security number and I will not give my personal number to someone who resides outside of our country. 

I want simple instructions to access my Experian credit freeze file without all this hassle. I reported this and they closed the complaint without helping me get into my credit file. The response was that they needed a credit card number so THEY COULD CHARGE ME! 

This is outrageous. Again, I am complaining that I do not have REASONABLE ACCESS TO MY OWN CREDIT FILE.
Consumer complaint received 2020-06-12
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: Ditech Financial LLC (IL)

We filed a CFPB Complaint # XXXX against Ditech Financial for Account XXXX in regards to the reporting of inaccurate information concerning : a ) an outstanding balance and b ) account reporting as charge off account. A payment was made to the original creditor Greentree before merging with Ditech Financial. Some how that last payment has vanished and now Ditech is stating that they transferred the account to XXXX XXXX XXXX, XXXX. The problem with that is my credit report only shows Ditech as the company that has reported or reporting on this account. Ditech Financial seems to have made no effort to investigate before responding to the CFPB Complaint which is discouraging. The payment was made while the Greentree/Ditech merger so its on Ditech to fix this issue that is harming my credit scores with inaccurate account information.
Consumer complaint received 2020-06-12
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: AMERICAN EXPRESS COMPANY (OK)

Dear Sir/Madam, We traveled overseas in the mid of XXXX and were stuck due there for almost two weeks due to our flights being cancelled by the airline as a result of COVID-19 Pandemic. Our initial returning flights were cancelled by the airline on XX/XX/2020 as a result I contacted our travel issuing company which was AMEX Travel but they refused to accommodate us on the next available flight back home and wanted to charge us all kinds of fees such as fare difference fees, flight cancellation fees, etc. Which I never agreed to pay because we did not make any changes to our itinerary and our flights were cancelled by the airline. So, we ended up purchasing brand new tickets to return back home to XXXX  XXXX on XXXX. XXXX, 2020 for a approx. cost of % XXXX and we purchased travel insurance just for the piece of mind through AMEX travel insurance. That flight ended up getting cancelled as well by the Airline and once again contacted AMEX Travel and they refused to accommodate this cancellation as well. As soon as I learned about our flight cancellation I contacted AMEX travel insurance and told them that our flight was cancelled by the airline therefore, we would like to cancel our travel insurance policy and would like to get refunded for the amount of approx. {$180.00}, and they refused to do so stating that its too late to cancel our insurance policy. I was frustrated at that moment because we purchased a travel insurance for tickets that were nullified by the airline but for some reason they still want to charge us money for it. Therefore, as a last resort I decided to dispute this transaction with AMEX customer service but now they are saying as well that I have to pay for the insurance because policy was consumed, not sure how this policy was consumed when our flights ended up getting cancelled and we returned home using the U.S Government Chartered flight. We are helpless at point because we are being forced to pay for some services that were never used and were nullified by the airline. 
Please find attached supporting documents showing that our tickets were cancelled by the airline and we ended up returning home using U.S Government Chartered flight.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

XX/XX/2020 Citi CBNA were called in regards to confirming a Citibank Card from CBNA they submitted to collections but have no record of such account. it was stated that I only have one account. Cictibank don't understand why there are two accounts being reported. The account i have with citibank cbna is in good standings to include automatic payment on a monthly basis. why is there another card on my credit report in collections when I only have one card?