davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FISERV INC. (WA)

The Economic Impact Payment Card Issued by Money Network, XXXX, was stolen in U.S. mail on or before XXXX/XXXX/2021. 
I was unaware whether i get the card or check s I inquired IRS. I received the letter from IRS about XXXX/XXXX/2021 and i found out im getting the card. So, i requested the replacement card same day. Then I got the replacement card on XX/XX//2021 and found out card was emptied and had only {$1.00} left. The card was spent by suspect at XXXX store mostly the amount of more than {$2300.00} in 2-3 days, The police report was filed on XX/XX//2021 and the report was approved on XXXX/2021.The investigation was initiated by the police and I have talked to the private investigator. They looked at the security camera at the sotre but they couldn't identify the suspect. 

I filled the complaint to the card issuing company on XXXX/XXXX/2021 and I sent the police report and explained everything about what happened. but they denied my complain and didn't explain why my claim was denied. I filed the appeal for the denial on XXXX but after 6 months they haven't processed my appeal. I also refiled the appeal again on XXXX/XXXX/2021 but I got no response from them
Consumer complaint received 2021-08-25
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. (VA)

Equifax is enabling a child support agency to make false reports on my credit report which is affecting my score. I have tried multiple times to rectify this issue by providing full documentation and current payment receipt. Despite my efforts, this child support agency ( XXXX XXXX XXXX ) continues to increase my balance, claim that I have late payments, and continues to report negatively to the credit bureau. 

Equifax has done nothing to stop this agency from doing so. They temporarily removed the agency from my report, only to allow them to go back on it. This comes after a dispute I opened where I supplied documentation and received no further correspondence from Equifax or XXXX XXXX XXXX. Im tired of being lied on and punished despite me making on time payments in good faith. As a consumer and a US citizen this has to be unconstitutional and an unethical way of conducting business. Someone needs to stop this.
Consumer complaint received 2021-12-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (VA)

A debt collection showed up on credit report. I contacted the company requesting proof on the debt amount even supplied them with email address to send it to. I still have received nothing not even a bill of any sort and it has been almost 30 days and I just seen where my amount due to them has went up again.
Consumer complaint received 2021-12-11
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, I purchased a XXXX XXXX  Gift voucher in the amount of {$180.00}. They do not show the calendar of availability before purchasing ( unlike similar voucher experience companies I have seen ) so when I went to redeem it, I was horrified to see there was only one date available in the next 8 months in XX/XX/XXXX. They luckily advertise a 30-day hassle-free, no-questions-asked refund policy on their site, so I reached out several times within that window to speak to someone about a refund. No one ever responded. 

Once I was out of that refund window, I contacted Capital One to dispute the charge. They reached out to XXXX XXXX  Gifts, and that is when the company finally emailed me back ( conveniently, outside the 30-day refund window ). They asked what the problem was and I said that no one had reached out to me in the refund window so I went to my credit card company. The customer service rep from XXXX XXXX apologized profusely and said she would handle it. I thought that meant a refund, but instead, they refuted the dispute only by showing that they had indeed provided me with the voucher ( which was never the complaint in the first place ). 

Capital One closed my case without asking the company why no one had replied to my several emails within the refund window policy. I was on the phone with Capital One for hours asking and every customer service rep said that yeah, it was odd, but if I wanted a refund, I needed a Second Opinion letter stating that other companies would show the availability on their site. However, that is not what I am disputing! I am disputing that the company advertises a flexible refund policy but violates it by not communicating with customers in time. 

I have tried to reach out to a few similar companies ( XXXX XXXX, XXXX, etc ) asking for this second opinion letter but all say they can not help me. I can see clearly on their site that they do show calendar availability before purchasing, so not sure why I need a letter to state that when it is clearly viewable and proven on their site. Also, refund policies are available on the site as well, so again, not sure why requiring a company that is not involved in the situation to just state things that are visible online. 

What it comes down to is a company lied about their refund policy, did not communicate with me in the window of the refund policy until I timed out, and then Capital One refuses to help me stand by the dispute when every customer service rep I speak to confirms I should get a refund, but we have to follow the process. Without a random company agreeing to do this random letter, I am out {$200.00}.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (VA)

I closed my existing mortgage with LoanDepot on XX/XX/2021 ( statement attached ). As per the payoff statement dated XX/XX/2021 ( attached ) interest was due only if repaid on or after XX/XX/2021. Hence the payoff amount should be {$760000.00} i.e. principal only.of {$760000.00} and recording fee of {$51.00}. However in the statement LoanDepot has charged me XXXX as the payoff amount i.e. excess of {$180.00}. When asked 4-5 times and after spending 2 hours they are unable to explain the excess charge. Request your assistance in resolving the matter
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (OH)

I recently had my credit report pulled by a bank because I am in the process of purchasing a home. On my credit report, XXXX XXXX shows a student loan from XXXX XXXX University ( where I attended ) for {$2000.00} that caught my attention because I had never seen it before and have been paying on my student loans since XXXX. The credit report stated this loan has not been updated in XXXX XXXX 's system since XX/XX/XXXX. I contacted XXXX XXXX University and XXXX XXXX ( which is the loan provider XXXX XXXX uses ) and they could not find this loan anywhere in their system. After 50+ phone calls to XXXX XXXX and XXXX XXXX from XXXX, XXXX concluded that this portion of the loan was never updated to XXXX XXXX from UAS XXXX, which is the loan provider XXXX XXXX used until XX/XX/XXXX. I attended XXXX XXXX University from XXXX XXXX XX/XX/XXXX. In XXXX of XXXX, XXXX XXXX university transferred all of the student loan accounts from UAS to XXXX XXXX. On my credit report from XXXX, it is showing I still owe UAS that loan amount because XXXX has not gotten any updated loan information from UAS XXXX about my account since XX/XX/XXXX. So, it is still showing on my credit report that I have a balance with UAS XXXX of {$2000.00}. XXXX informed me the only way this can be changed is if UAS XXXX sends them an updated report showing that this account no longer exists or has been transferred/paid off. I called UAS XXXX 3 times on XX/XX/XXXX and they informed me they can not help because they can not find my loan account ( because it was transferred to XXXX XXXX ). They are unwilling to help me and I do not know where else to turn. I can confirm this loan amount was with UAS XXXX because all of their loan accounts start with the same 3 numbers, and the account number that is on the attached document match. I need this removed from my credit report because it is no longer valid, and no one will help me. The attached file is information of the account balance I am referring to. I tried to file a dispute with XXXX XXXX and this was the result. XXXX XXXX reached out to the contact information provided, but it is the contact information for XXXX XXXX, not UAS XXXX.
Consumer complaint received 2022-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (KY)

I bought a car nearly three years ago through CNAC. I switched jobs in XXXX and called them to request that they push my payment date back by one week which they agreed to do. They still received both payments for the month of XXXX but have been calling me at work since then insisting that I owe them another payment. My payment was made. I pay every two weeks. I have tried to resolve the matter and have asked them to not call me at work which they continue to do daily.
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IN)

I closed on my house and the title company issued a check in the amount of {$5400.00} to Lowes. I sent that payment to Synchrony-Lowes and the payment was cashed but never applied to my account. The last four numbers of my account and MY name were on the check. I messaged them and provided a copy of the check, they temporarily processed the payment ( reducing my balance ) but have since charged back the payment. I have spent time on the phone, messages, and sent them a copy of the check and can not seem to get it resolved
Consumer complaint received 2022-10-16
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. (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have sent dispute letters to correct my personal information to all three credit reporting agencies ( XXXX, XXXX, and Experian ) on XX/XX/2021. I have also sent a 2nd round in XXXX. I have also sent the required proof or documents needed to verify each time. They have only updated some info such as employment info. 

XXXX and XXXX have not listed my current address on file, nor has XXXX removed previous addresses that I don't currently live at. 

Experian has not updated my date of birth, my name, nor have they deleted previous addresses. 

XXXX has not listed my name correctly.
Consumer complaint received 2021-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

i've had auto-pay enabled on my Cash Rewards credit card from BoA, where I also have a checking and savings account. On XX/XX/2020 a late payment was reported on my credit report due to the failure of the auto-pay system. I did not notice this failure on time because previously it never had an issue. I am attaching the auto-pay logs. 
In XX/XX/2020 I called the local BoA branch and scheduled an appointment to address the issue. The customer representative explained to me that it is not a problem and the record will eventually be removed from my credit report. It has not happened yet, and the late payment is affecting my credit score.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. Auto Sales Inc. (GA)

I acquired a loan XX/XX/2021 with US Auto XXXX. I attempted to no avail to have my account balance updated on my credit report in XXXX, so I refinanced with XXXX XXXX since they were being unprofessional. The loan has been paid off, I have made the first payment to the new lender, XXXX XXXX and still US Auto XXXX has NOT closed the account. They always respond they're in the process and XXXX has gone along and that's why the balance reflects XX/XX/2021. Now it looks like I owe almost $ XXXX for a car I only owe $ XXXX and some change. Please, please help. US Auto XXXX has tanked my credit and refuses to close their account, they're always in the process of doing so.
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I have no knowledge of this dept. there is a court date for XX/XX/XXXX. Old debt apparently bought by a debt collector. Im a victim of identity theft XXXX XXXX had a breech & XXXX had a breech. Also they sent someone to my home and left the court notice at the door. Debt is from XXXX. Why should I have to pay for this if to a company I do not know ( Midland credit company ) discharged/wrote off the debt to a debt collector when I never signed a contract with them. Please help
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

I sent letters and paid in full receipts to XXXX XXXX no response in return within 30 days. I also sent letters to XXXX XXXX XXXX XXXX about my account paid in full and they still have it showing as derogotory balce {$0.00} which shouldnt be not be reporting anything negative.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (GA)

I sent letters and paid in full receipts to REGIONS BANK no response in return within 30 days. I also sent letters to XXXX XXXX XXXX XXXX about my account paid in full and they still have it showing as derogotory balce {$0.00} which shouldnt be not be reporting anything negative.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Upon researching the credit bureaus are saying that it's public information that was brought. Information that I never signed off as a consumer. The bankruptcy that is showing on my credit report shall not be showing on their due 15 USC 1681 k.
Consumer complaint received 2021-12-11
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. (TX)

Upon researching the credit bureaus are saying that it's public information that was brought. Information that I never signed off as a consumer. The bankruptcy that is showing on my credit report shall not be showing on their due 15 USC 1681 k.
Consumer complaint received 2021-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (MT)

We received a notice on XX/XX/21 from XXXX XXXX XXXX XXXX Dated XX/XX/21 stating they are collecting a debt to PayPal , Inc of {$210.00}. 

I called PayPal, Inc on XX/XX/21 and verified that I have no negative balance in my accounts with them. The PayPal Representative said they do not use XXXX to collect debts and that this sounded like Fraud and that I should report this incident to the Authorities. 

I'm guessing I have become a victim of identity theft, or that XXXX is just a scam company. 

I will be calling XXXX on Monday XX/XX/21 to formerly dispute this claim.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

I sent letters and paid in full receipts to XXXX XXXX no response in return within 30 days. I also sent letters to WELLS FARGO CARD SERVICE about my account paid in full and they still have it showing as derogotory balce {$0.00} which shouldnt be not be reporting anything negative.
Consumer complaint received 2020-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MD)

I was evicted from the apartment complex, XXXX XXXX ( which has been sold to someone else and the name has been changed to something else ) in XX/XX/XXXX. I was never contacted by the management company XXXX XXXX XXXX or anyone relating to them. 

I was contacted 18 months later ( between XX/XX/XXXX/XX/XX/XXXX ) by Hunter Warfield, Inc. telling me that they were a law firm representing XXXX XXXX XXXX XXXX XXXX stating that I owed them over {$10000.00} and when I explained to them that I did not owe them the money and I had disputed the debt on all three of my credit reports to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the debt was removed because they did not report accurate information. I was then told by Hunter Warfield that they proved to the credit bureau that the debt was accurate so it was back on my credit report after being removed. I then told them that it was against the law for them to put something back on my credit report and they said that it was not. I then asked them if the debt was accurate can they prove it to me by showing me a ledger or something and then I was told, " We don't have to send you anything or prove anything to you because we proved it to the credit bureau ( XX/XX/XXXX ) .Then they hung up on me. 

I know that I don't owe them over {$10.00} and they refuse to show me anything proving that I owe them money because I don't owe them. They are committing fraud by trying to make me pay money that I don't owe them..
Consumer complaint received 2022-10-16
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. (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2021-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP (GA)

I filed for Covid loan forbearance regarding my XXXX XXXX backed mortgage online from my account on XX/XX/21. OnXXXX I called to check the status and was told they don't have record of my online request. I asked to file the request again manually thru the rep and was told I will receive documentation within two weeks. Its XX/XX/21 two weeks of business days have passed and I have not received any documents. I have called several times waiting for the docs to come and I was told I was approved. The problem I have is I don't have written proof and when I log onto my mortgage account online it says nothing about being in forbearance. I have asked to receive docs via email but was told to wait on the mail. This is my mortgage not something I take lightly It should only take a week for the docs to reach me. I have been waiting for 2 weeks now and need to see something in writing regarding forbearance from loss mitigation. Email would be perfect and instant and they also have a document tab on the XXXX website that I should be able to view and download documents from. I have registered, requested forbearance, and logged into this site but Ameris loss mitigation is saying they don't see my request. I am requesting immediate written proof regarding my covid forbearance request and approval for with my XXXX XXXX backed Mortgage via email or download on XXXX website. This is something that should be available to me as per the federal government and Ameris has verbally told me I was approved from XX/XX/21 to XX/XX/21. Also when I log into my regular mortgage there is no mention of the loan being in Covid forbearance. XXXX
Consumer complaint received 2020-11-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: RateGenius Loan Services Inc (TX)

I came across rate genius on XXXX XXXX. And nowhere under the terms and conditions did it state they were going to do a hard pull on my credit report. Not only one but 4 Harding inquirys. I want them to send a request for deletion to all four banks. That was done without my consent or knowledge. I do not approve of the predatory practices