davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (ID)

I expect as common good business practice that corporations such as this make situations right. THIS particular situation was not due to the neglect of financial planning ; yet due to neglect of system/billing corrections ... YET today it would also seem that the us bank app that CUSTOMERS depend on ; was " undergoing maintenance '' CONVENIENT ... YET I'm responsible for this XXXX up?? I think NOT!!! fix this problem started around the XXXX XXXX of XXXX. A charge was made and then pending, XXXX . saw and noticed it. then on the XXXX still listed in pending authorization status ; then noticed strangely that available balance increased, XXXX $ thought direct deposit hit account ; same time frame Tuesday this week. np ... used card went on thru out week ; Available balance last night Thursday XXXX-XXXX ... available np ... wake up today ; show negative! 260ish! $ wtfso called in to company ; spoke to " rep ''  indicated that looked like the XXXX $ hold/authorization was put on the account THEN taken off, THEN put back ON caused the account to go negative ... I stated w anger ... HOw is THAT possible?! SHE stated that she doesn't now HOW the " system '' allows transactions to go thru or not! I stated that it doesn't make sense! 2 days w available POSITIVE balance THEN Friday today NEGATIVE!!??? because of " SYSTEM ''!? no sense ... she didn't AND refuse to fix this, and stood behind it ... stating that would't fix this account ; even after it was something the SYSTEM did and not myself. IF I made it negative I would understand. SHE said the " SYSTEM '' did ... I asked her if that was accurate, SINCE I don't have any protections against my account for negative, MEANING if the account is NEGATIVE the CARD wouldn't go thru once the account WAS in negative ... she confirmed that ... SO how AND why won't U.S. BANK a million dollar company fix this NON customer ISSUE!!!! she wouldn't and refused ; I'm livid after numerous years of loyalty are now flushed down the toilet ; I WILL take this to attorney general and potential class action if necessary. USBANK, MAKE THIS RIGHT!!! this iSN '' T my error in charges ... OH I have pictures dates times of balance checking thru out week for verification and validation fyi ... ... feedback..XXXX
Consumer complaint received 2019-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MD)

I filed a police report and completed the notarized affidavit as requested by the company and they told me my information was unacceptable. 
I cant fo anything else. This very unfair. Because it's not my dept.
Consumer complaint received 2019-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I have been scammed by Loancare LLC. They are not processing my loan payments properly, and applying it to my account.

Loancare LLC took over my loan in 2016, and it was never late and perfect. 

They have manipulated the accounting and then ir leaves the escrow accounts short and then payments are held in suspense without notification to the consumer, leaving me behind on my payments. 
I was trying to payoff the loan, but I have been given the runaround and I can not get any help from anyone on where to send the money, before they STEAL my home in the foreclosure process. 
As of today, I had to sell my home, all the signatures are in place, but my lender will not give me a payoff to the escrow officer and  it is has ruined my credit and my income, because I lost my rental income, because of this company.
Consumer complaint received 2019-10-18
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 (TX)

On XX/XX/XXXX, I was supposed to catch a XXXX from XXXX to XXXX to visit a friend. On my way to the XXXX pickup location, I picked the ticket for Saturday, XX/XX/XXXX. I bought the ticket en route to the pickup location. Once I arrived at the location and tried to board, I was informed the online system booked my ticket for the XXXX and not the XXXX. I called XXXX to try and fix the problem, and they refused to change the date of the ticket and they refused to allow me to board the bus I was currently waiting to board. Once they refused, I asked for a refund and they would not return the funds. Once they refused, I called American Express regarding my AmEX Serve Card charge the exact same day. I was told a dispute would be submitted on my behalf and to expect the funds back in my account in 7-10 days. 

The XXXX ticket didn't show on the charges but my account was short XXXX. On the XXXX, there was a new charge for the XXXX ticket. I never used the ticket. They wouldn't let me board the bus. I then called American Express. I was told a dispute was never filed and that one would be filed that day. I received an email in XXXX stating they would need a screenshot of the disputed transaction and additional information for the investigation. I received that email on XX/XX/XXXX. I replied with the information and received another email on XX/XX/XXXX saying the information was being reviewed and they would need up to 45 days to investigate. 
It is now the XXXX and I have not received anymore correspondence or additional information. Everytime I call I get a different answer about what exactly is going on and no one seems to know what they are talking about. 

According to Reg Z of the Lanham Act, a banking institution can take up to 45 days to investigate a chargeback dispute. However, if they do take the 45 days, they are required to provisionally provide the funds to the cardholder until the issue is resolved. American Express Serve did not follow the procedure, at all, and when I call to ask about their lack of compliance their Customer Service team seems to have no idea what the Lanham Act even is. 

I should not have this hard of a time recovering XXXX. I have no reason to lie. American Express is responsible for following the law and the Lanham Act was started to prevent issues like this. It took all of 2 minutes for XXXX to take the funds, and it has now been almost a month and I haven't gotten any of it back.
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (FL)

LOANCARE WEBSITE DOWN FOR EVERYONE FOR WEEKS AND ALL PHONE LINES DOWN???? WHAT IS GOING ON. NOBODY CAN MAKE A PATYMENT DUE TO THE WEBSITE AND PHONES BEING DOWN SUPPOSIDLY TO A TECHINICAL ERROR. I HAVE MY PAYMENT SCHEDULED ALREADY BUT HAVE READ MANY PEOPLES COMPLAINTS ONLINE WHERE THERE PAYMENTS DIDNT COME OUT AND THERE IS NO WAY TO SPEAK TO ANYONE???? 


MYLOANCARE.COM IS THE WEBSITE I DID FIND SOME INFORMATION FROM ANOTHER WEBSITE. THE CUSTOMER SERVICE PHONE NUMBER GIVEN BELOW IS DOWN TOO. 

XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 To : All Issuing Offices RE : UNDERWRITING - Security Event Affecting LoanCare , LLC Dear Associates : We have been advised that LoanCare , LLC has experienced a security event. As a precautionary measure, LoanCare has restricted access to certain systems, including email. We have been advised that LoanCare is working to address the issue and to restore normal operations as quickly as possible. 
Effective immediately, until further notice : Do not close transactions involving LoanCare , LLC. Do not transmit funds to LoanCare , LLC. 
Additional information may be available at LoanCare, LLCs website : https : //www.loancareservicing.com/ Or by calling LoanCares Customer Service XXXX at : XXXX
Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (MD)

I originally disputed this debt with the credit bureaus and it came back as verified. However, the company has not responded with the information that I requested that proves that they own this debt and collect it. They were given 30 days to respond with the information and have failed to do so.
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (CA)

MY IDENTITY WAS STOLEN SEVERAL YEARS AGO BUT THIS IS THE FIRST TIME I NOTICED ANYTHING ON MY CREDIT REPORT WHEN THE PERSON HAD AN ACCIDENT AND HAD MY ID AND SOCIAL SECURITY CARD WITH HER. THE XXXX XXXX CALLED ME THINKING THEY WERE GETTING IN TOUCH WITH MY FAMILY BUT IT WAS ME. I WAS FLOORED TO KNOW THE PERSON HAD BEEN CAUGHT. I'M STILL DEALING WITH THIS ISSUE FROM A COLLECTION THAT HAS TO DO WITH MY IDENTITY BEING STOLEN.
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MN)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HYUNDAI CAPITAL AMERICA (PA)

Hyundai Motor Finance has stopped reporting all account updates to the 3 major credit bureaus since XXXX 2022. One of the 3 credit bureaus even has the account marked as closed, even though it is still active and I am paying every month. This goes against their documented practices, which state that they report the balance and standing of the account every month. Contacting them is met with silence, as they claim to be unable to address anything over the phone ( why have customer service phone numbers then? ). HMF was already fined $ XXXX by the CFPB for incorrect reporting to the credit bureaus. This apparently is continuing. Please help me resolve this.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (TX)

I requested a credit report due to suspicions of fraudulent activities. I found two accounts with adverse information. One is from XXXX XXXX, with the loan type being RENTAL AGREEMENT, from Georgia, a state in which I've never been to nor have any financial dealings with. The other account is from Security Credit Services, a collection company with the original creditor being XXXX XXXX none of which I've even heard of. I believe this is the result of identity theft, and would like the situation to be resolved as soon as possible.
Consumer complaint received 2021-11-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery bought this debt from XXXX XXXX credit card. I asked for debt validation letter. I received it there was someone else 's name making transactions. I called Portfolio and disputed it. I had asked to be removed from report. I haven't heard from them yet.. During this time I was already in bankruptcy. I filed dispute with XXXX  provided documents yet they still won't remove it. I have XXXX other concerns XXXX XXXX they are trying to collect more than what is owed. I paid them over {$14000.00} when car redeemed total lost. Minus total balance was {$18000.00} = {$4700.00} not {$11000.00}. XXXX XXXX statue of limitations expired pa is XXXX. 2 different open dates must be deleted asap
Consumer complaint received 2024-04-07
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: CBC Companies, Inc. (OH)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX, XXXX, XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Against Innovis 's Noncompliance with Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) Dear Sir/Madam, I am writing to file a formal complaint against Innovis for their willful noncompliance with the Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) regarding the blocking of adverse items in my credit report that are the result of XXXX XXXX. I am a XXXX XXXX survivor and have submitted all required documentation to Innovis, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on two separate occasions, Innovis has refused to block the items in my credit report that are directly linked to XXXX XXXX. Innovis has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a victim of XXXX XXXX. I urge the Consumer Financial Protection Bureau to investigate Innovis 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Innovis to block the adverse items in my credit report that are the result of XXXX XXXX in accordance with the Final Rule. I kindly request that this case not be closed until Innovis has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXX, or XXXX
Consumer complaint received 2021-04-15
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: Experian Information Solutions Inc. (NJ)

I had an account back in 2016 which the creditor agreed to remove from my credit report once i paid the full balance. I have been attempting to resolve this with the three credit bureaus and the creditor, unfortunately till this day they have not remove and it is causing financial hardship.
Consumer complaint received 2019-10-18
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. (FL)

Account : XXXX Account # XXXX I've contact the creditor multiple times to resolve this issue. Was instructed to contact the credit bureau for help. I have sent multiple letters to the credit bureaus and each time I received a " we verified your account as accurate ''. This account is not reporting 100 % correctly and it's damaging my credit profile and causing me to be denied credit. The credit bureau has failed to completely verify this account for accuracy.
Consumer complaint received 2019-10-18
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. (LA)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASION TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-10-18
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. (LA)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASION TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

Disputed this account on all three credit bureaus and asked for validation ... .not address verification. 
Asked for chain of title if account was purchased from another country. 
Asked for " itemized '' breakdown of all charges, interest, fees, penalties that result in the alleged amount owed. 

I received nothing back from them except a XXXX bill that clearly does not show any of this. And also proves that I DO NOT have an account or obligation to Diversified Consultants. 

I asked that this be removed from all 3 major credit bureaus and all collection attempts be ceased.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have an account that is good-standing with XXXX XXXX ( XXXX ). They are denying me credit for an extended payment plan for a new phone. Experian is the credit agency they check and I do not have a freeze or security hold active. XXXX XXXX XXXX Inquiry : Case ID [ XXXX ]
Consumer complaint received 2019-10-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

I attempted to purchase a home through XXXX back in XX/XX/XXXX. The Home I tried to purchase was XXXX XXXX XXXX in XXXX , TX , XXXX. The contract was written up and never thoroughly discussed with me, even when I asked specifics from the builder rep XXXX XXXX. I asked if the earnest money I placed with him would be retained for any reason. My response from XXXX XXXX was " XXXX does not keep earnest money ''. I went ahead and went through the partnering lender XXXX has, called Advisa Mortgage. The lender XXXX XXXX started to harass me by calling at inappropriate times at night. Due to this I complained and spoke with the lenders manager, XXXX XXXX. This resolved nothing but instead created more inconsistency between the home builder XXXX and I. I received an email from XXXX XXXX, XX/XX/XXXX stating " ..a DocuSign package from XXXX XXXX , this will have several documents that are required to process you loan. Currently your rate is not locked, we need you verbal or written communication regarding which option you want to move forward with. '' I did not agree to options given to me by Advisa Mortgage.I then received the DocuSign packages from XXXX XXXX on XX/XX/XXXX & the same one XX/XX/XXXX. The XXXX XXXX documents I did not sign due to wanting to discuss contracts and options in person with lenders.This was impossible with Advisa Mortgage. Advisa Mortgage company even wrote in an email to the home builder and myself on XX/XX/XXXX and said " Just keeping everyone in the loop, we are on track to close XX/XX/XXXX per the XXXX closing report '' .Communication with Advisa was completely unethical, the manager XXXX XXXX had approved a loan I did not agree to on XX/XX/XXXX. This created a " Default '' for me with XXXX home builder. XXXX sales rep XXXX XXXX failed to return any of my calls and did not reply until XX/XX/XXXX via email stating " XXXX XXXX is cancelling your contract and retaining your earnest money due to non-performance and default of contract ''. No specific action was explained to me as to why I defaulted. I still have no resolution for the evident inconsistency by XXXX and Advisa. I have attempted to communicate with both builder and Advisa Mortgage Services to come up  with a solution to our differences.
Consumer complaint received 2019-10-18
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. (GA)

Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 6 Balance {$7900.00} Date Opened XX/XX/XXXX Amount Past Due {$7900.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount $ XXXX Months Reviewed 48 Delinquency First Reported XX/XX/XXXX Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-12-16
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)

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-16
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. (FL)

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION (CA)

On my account XXXX, I redeemed {$89.00} in rewards in XXXX. I closed my card in XXXX. A full two statements has passed and I never received my {$89.00} redemption. I have called repeatedly and nobody has been able to help me. 

I've attached the last statement showing I redeemed {$89.00}.