davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (CA)

there was letter dated Month of XX/XX/XXXX to Chrysler capital requesting the financial institution remove the incorrect data that dose not belong to Mr.XXXX  XXXX due to cover 19 issue I did receive the respond on XX/XX/XXXX from Chrysler with already took more than 30 days that's fine they still did not remove incorrect information I receive a respond that I don't have the proper documents to move forward the Chrysler cap asked to notarize the affidavit and send require docs such as police report for id theft along with other docs I did send the document give or take 20 days later and respond came back we can not process the dispute you have not provide us enough information to remove the negative data from the report or ( account ) in fact after my review I have sent cChrysler Capital on XX/XX/XXXX with USPS TRACKING NUMBER ( XXXX XXXX XXXX XXXX XXXX XXXX requesting to remove the negative account information but this time I had sent every documents that they ask for along with my letter of demand to remove the information in fact provide every peccary step that Chrysler Capital have took to ad the negative information on my credit according to fora law how ever Chrysler was not success full to remove the information the respond was over 30 days from Chrysler the the respond was dated XX/XX/XXXX they can resolve this issue since I have not provide enough information with is not excuse I even wrote the police department that I filled the identity theft with on my letter with officer name at that division in fact there was 2 identity theft was filed on XXXX and XX/XX/XXXX how ever the Chrysler capital failed to resolve this issue again the Chrysler giving the sad excuses to not remove this account
Consumer complaint received 2018-10-14
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. (AL)

I received documentation from XXXX XXXX XXXX/XXXX on XXXX XXXX that documentation had been submitted to the bureaus to have all derogatory late payments removed as I am a military member and am protected by SCRA. I received an alert from XXXX on XX/XX/XXXX that the accounts have been updated to 120 days past due. I called and spoke with a customer service representative from XXXX on XX/XX/XXXX and was informed that my account status is showing current.
Consumer complaint received 2021-07-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a Bank of America prepaid visa card which XXXX company sent me a year ago as a partial refund for damaged goods. I received the card a year ago and it expired on XX/XX/2021, which was a month ago. I found out that Bank of America took all the remaining balance ( over {$100.00} ) off the card upon expiration. I was never told about this kind of charge when I received the card, so I contacted Bank of America on XX/XX/2021 to see if I can get my balance back. However, the BOA representative told me she can not return the money back to me.
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (MT)

In XX/XX/2018, I financed a bed and 2 chairs from XXXX XXXX through Acima Credit out of XXXX Utah. The initial agreement was to pay off the debt in 90 days. As my luck would have it, I was unable to pay off the debt in 90 days. Acima wanted to charge me 3 times the amount the furniture was worth. I wasn't having that. I have fought with them every month since then. We were able to set up a settlement amount and I was to receive a confirmation email regarding that within 48 hours. Never received the email. They tried on several occasions to withdraw money from my account before agreed date, overdrawing my account. With no confirmation email, I have no way to prove otherwise. I was supposed to make the final settlement payment the XXXX of XXXX and they tried to pull " the settlement payment '' out 2 weeks later. I contacted Acima through chat and screen shot the entire conversation. They are nailing me for an extra {$500.00} beyond the first settlement. Because I didn't get a confirmation email, I didn't have proof they were screwing me for more money. I demanded an email that same day. They said it would come to me in 24- 48 hours. It took 2 weeks and 5 phone calls and still no email even though I was told over and over that the email had been sent. I again resorted to chatting through the website again so I could screenshot the last agreement. They cut my chat off after I demanded that the confirmation email that was supposed to be sent to me 2 weeks ago be sent immediately. They told me that couldn't happen because it was all computer generated, but they had record that the others had been sent. They refused to send me those as well. I finally received the confirmation email on the XXXX stating the dates that they would pull money from my account for the final settlement AFTER I threatened to report them to the XXXX and CFPB. This company is greedy and dishonest. They don't send the emails and then suck you into a new settlement for more money. They should be shut down.
Consumer complaint received 2019-08-28
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DOB XXXX ATTN : Consumer Relations Department XXXX   Equifax XXXX XXXX Under section 611 ( b ) of the Fair Credit Reporting Act, I am requesting that the following consumer statement be inserted in my credit report exactly as I have written it : I dispute the fairness of the late payments being reported on the XXXX XXXX XXXX XXXX  account. These late payments are the fault of XXXX XXXX XXXX XXXX that habitually mails my monthly statement to me after the date payment is due if it bothers to mail me a statement at all. Because I do not receive my billing statement in time and sometimes not at all, I have had no choice but to make payment after the due date. For this reason, there are late pays associated with this account, and that is no fault of mine. 
Please send me an updated copy of my credit report once the above statement has been added to my credit report. Thank you very much.
Consumer complaint received 2018-04-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (UT)

Navient has reported 39 late payments on my account I believe for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I  only have one payment a month I disputed the error XXXX XXXX XXXX XXXX they say it's accurate that's false I called navient to let them no I was XXXX last year lost my apartment due to a surgey which put me out of work there for I couldn't pay I never received any income driven repayment plan and the only way of contact I had was email from access at public library which they say they sent to an email that been deactivated since college. Also I requested copy of master promissory note and told them I do not give them permission to share my private information with private entities such as the credit bureaus which our in the business only to collect and sell private information. There mess up dropped my credit score by XXXX points. Stopped me from being able to do anything I wanted to do. Can't buy a home a car can't even get a secured credit card from my bank to build my credit further.
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XX/XX/2018 Transunion.com {$19.00} Went into TU website to check credit report. 
Went through steps in providing personal information. 
Then was asked to enter credit card # and security code. 
Did not see any disclosure on whether my card would be charged. 
Learned after calling customer service that {$19.00} was charged on card. 
And that I had enrolled in monthly monitoring service with {$19.00} monthly fee. 
Cancelled service immediately. 

Very deceptive process I just went through.
Consumer complaint received 2021-05-02
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. (WA)

After filing my complaint with your agency regarding Experians fraudulent marketing activities targeting the very consumers they claim to be helping rebuild their credit and protect them from identity theft, your agency forwarded my complaint to Experian. 

However, their response was NOT related in any way to the nature of my complaint. I notified your agency of this fact several weeks ago, yet I have gotten zero response from you. Why? I hope your agency does not intent to simply ignore my complaint which was not resolved. 

I look forward to your reply. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-13
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. (GA)

On XX/XX/XXXX I contacted the credit reporting companies disputing multiple inquiries that unauthorized on my credit report. Experian failed to properly investigate into the situation for me.i disputed the below inquiries : -XXXX XXXX placed on XX/XX/XXXX -resident check places on XX/XX/XXXX -XXXX/XXXX XXXX XXXX placed on XX/XX/XXXX -XXXX   XXXX placed on XX/XX/XXXX XXXX XXXX placed on XX/XX/XXXX and XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -IXXXX XXXX placed on XX/XX/XXXX These inquiries were not and have not been authorized my myself at anytime in the past or new future.
Consumer complaint received 2020-05-27
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. (NC)

On XX/XX/2020 I sent in a dispute. And on XX/XX/2020 it was finished. With no explanation of how this was verified. The item was paid by insurance. I would like this item reinvestigated and taken off my credit.
Consumer complaint received 2021-04-26
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. (MI)

XXXX is violating my rights and reporting in correct information on my credit report. They are reporting late payments for months I have made on time payments on. I am in the forbearance program and was told my account would me listed current paid as agreed not late as I am paying now and the money is being withdrawn from my checking accounts. This company lied from the time I enrolled in the program and told me my credit report would be update and current with no lates now they are reporting XXXX XXXX and XXXX late but I have been on time. This is violation to report incorrect information to the credit report agencies. I enrolled in the program in XXXX the letter clear states previously reported delinquency these delinquency that they are reporting are current new delinquency after I enrolled in the program which is not what the contract states. They are not following the details of the hardship program which is against the law they enrolled me in a program and taking my money monthly to still report inaccurate information harming my credit..they are also reporting different months on all different credit reports
Consumer complaint received 2022-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Assistance Corporation dba Revenue Group (OH)

Debt in quesition is medical with the XXXX XXXX and involves serveral surgical proceedures and resulting XXXX, care, and time admitted to one of 3 clinic facilties. Initial XXXX proceedure XXXX  XXXX XXXX XXXX XXXX  was done on XX/XX/2021, approx 7 months later than expected due to constant hospital covid delays. Approx 6 days following XXXX readmission occurred for a XXXX XXXX which involved another XXXX proceedure a XXXX to attempt to clean the original site. A mixup with medication resulting in a medication interaction XXXXXXXX XXXX XXXX XXXX XXXX XXXX was the last thing done. Was finally discharged after additional days to try and restart normal XXXX function, recieved a script upon discharge for a blood thinner which becasue of timing XXXX XXXXXXXX caused a major bleeding event that then had to be treated over the next several months. The XXXX XXXX was informed that these debts were in dispute and not being paid because of the damage done by their practices. There are more details available upon request.
Consumer complaint received 2019-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

Re : New loan company Loancare changed loan amount Original loan was with XXXX went bankrupt, and the mortgage note was transferred to Loancare LLC in XXXX Pennsylvania ( XXXX. XXXX XXXX XXXX, PA XXXX ). 
The first direct debit of mortgage payment was for the correct amount of {$460.00}, the second payment was increase to {$990.00}. We notified the mortgage company that we pay our own property tax and homeowners insurance and requested that they make the correction. No correction has been made as yet, and it is very difficult to contact customer service by phone to resolve the matter. A certified letter was sent to the company XX/XX/2019 regarding the issue and we still have not gotten the issue resolved. 
The matter is in regards to property at XXXX XXXX XXXX, XXXX, NJ XXXX on the loan with Loancare LLC. 
Please advise. 

Best regards, XXXX XXXX & XXXX XXXX   XXXX Cell : XXXX
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX dropped my score XXXX points in one day I am going to seek litigation I looking to hire attorney that goes for XXXX Transunion If they refuse accurately report my credit report that includes everything Negative Collections Inquiries How does XXXX drop my credit scores XXXX something points in one day I am going to get attorney and a class action law suit
Consumer complaint received 2018-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/2018, an amount of {$500.00} was paid to XXXX XXXX XXXX for a procedure for a specific doctor. The doctor, however, is no longer at the facility and, therefore, is unable to perform my procedure. I requested a full refund from the facility and did not receive the {$500.00} amount back. Nonetheless, I filed a dispute with my bank ( Regions ) explaining the situation and hoping for rectification. Regions sent me a letter denying my dispute and did not credit the amount back to my account.
Consumer complaint received 2021-12-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OH)

For the last four years my mortgage company has refused to send me monthly statements which had put me almost in foreclosure they have raised my mortgage every month with no statement of explanation or any information they have never sent me out any tax forms or anything I have never been able to access any of this information on their website either. I have called for the last three years asking for a monthly statement and all I get is yelled at told I am ignorant because they dont have to send it to me Ive been verbally abused and assaulted over the phone by this company with denial still to this day of my monthly statements the only monthly statement Ive ever received from this company was my XX/XX/2017 statement. I have asked numerous times why am I not receiving my monthly statement they keep telling me its the post office but yet all my other bills have had no troubles coming through I have tried to talk to this company Ive emailed this company for answers and Ive gotten nothing they keep trying to say that this went up this went up this went up but yet when I called the auditor and my insurance company they have no idea what Im talking about because nothing has changed I want this mortgage company to either prove to me all this nonstop racing my mortgage every year and then when I bought the house I did not know but there was delinquent taxes that I was forced to pay on this home instead of the seller paying it that was automatically thrown into my account to the point of where I was forced to pay or lose my home. I have jump through hoops to get this loan and to have a home this company had to invade every atmosphere of my life from if I was married single divorced to XXXXXXXX XXXX XXXX  XXXX XXXX  nothing was private everything they had to know including my medical background all for one statement and four years I bought this house XX/XX/2017 and Ive only received one statement out of them for years Ive never received any escrow paperwork or any other information and they have almost made me lose my house a number of times because of their refusal to send me monthly statements the refusal to allow me any access to pay shortages in escrow or anything because I knew nothing about it. This mortgage company is lakeview loan servicing LCC also known as XXXX. They have not complied with the federal or the state laws of requiring mortgage statements to be sent out. I have received two emails from this company in the last two years about my mortgage withdrawals
Consumer complaint received 2018-11-28
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. (SC)

This attachment was sent to Experian on XX/XX/2018 received signed by certified mail XX/XX/2018. The first sentence on the letter reads THIS IS NOT A DISPUTE however Experian disputed the information and stated the information was accurate. I asked for the CONTRACTS bearing my signature verifying ownership of the alleged accounts. I asked for names and phone numbers of individuals verifying the accounts from XXXX XXXX. It has been almost 2 months and I have received nothing from Experian. Experian used XXXX to perform a unrequested dispute. Please evaluate my complaints and consider a class action lawsuit against Experian. I have provided evidence that I am not the only one enduring this frustration.
Consumer complaint received 2018-11-22
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. (CA)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Ingo Money, Inc. (NJ)

Ok so I deposited my work check of a total of XXXX , and I dont know exactly where that money went at all I wanted to know where all of that money went that I deposited into my account. When I try to cash my check again it isnt letting me at all. I needed them to reverse the payment on my check because my check says its been cashed already.
Consumer complaint received 2021-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (CT)

In XX/XX/XXXX a collection account appeared on my credit report from Vance & Huffman LLC collection agency/ attorney. The account # listed is XXXX. 

The address listed for this company is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I have disputed this account several times with XXXX XXXX, XXXX XXXX credit bureaus and the only response which I received was that it was verified. I was a victim of credit fraud in XXXX and had a victim alert added to my credit file with all 3 credit bureaus and the CFPB. This was XXXX Vance and Huffman are insisting for payment for a mattress which was purchased at a store called XXXX in XXXX, XXXX I contacted the store and requested documentation for the goods which were purchased and was told they do not have it as this was opened in XXXX. Please help with clearing up this matter. 

I will attach a copy of what is on my credit report in addition to the victim statement which was added in XXXX for the fraud which occurred concerning another account that the CFPB assisted with removing. 

This collection account is causing me undue stress and harming my credit rating. I ask that due to the length of time this has been ongoing that any penalties or liabilities which Vance & Huffman may have violated that I am awarded any monies under section 1002.16 Enforcement, penalties and liabilities.