davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I contacted Capital One to make an arrangement to settle on my dbet. The representative told me that I couldnt do the payment which would have been {$740.00} and some change to come out of my account the following day. I call the following day which is today XX/XX/XXXX to again try to pay the settlement amount and clear up the debt. First I was told the computers were down to call back in two hours. I did call back and try to set it up again to pay the settlement amount then I was told it was too late they count went into charger off status. I was then told to call back in te hours to speak to a supervisor because the computers were still down. After speaking to three different people including a supervisor who refused to take a payment to clear up this day on two separate days I was unable to settle this debt. I explained I had signed up with XXXX XXXX XXXX XXXX XXXX to help with my debt and somehow after pay {$250.00} since XX/XX/XXXX I saw no improvements. However Capital One has received correspondence from the company and was aware. On both days when I tried to settle the debt myself payment was refused. I also tried to pay the full amount on line and the payment was some how canceled after it showed it was accepted.
Consumer complaint received 2020-09-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (PA)

My issue is with the rules that banks use relating to safety deposit boxes. There was not really a category for this. My husband passed away. He had a safety deposit box with Wells Fargo. We have a trust, pour over will, etc. I also have both keys. Clearly everything goes to me. They would not let me in the box. I hired a lawyer and we did a widow 's plea which relieves them from any liability with regard to the contents. No go. Then I requested a will search so I could inventory the box. An old will was found but it superseded by the trust. Now I know there are just papers in there which most of them really don't matter. I have a new birth certificate and retitled the car myself. The only other thing is the deeds to our timeshares. But now because they want me to go through probate, this box will sit for 3 years at Wells Fargo and then 3 years with the state of PA before I can claim this. This is so ridiculous and not making any sense to me. Please help because this process really needs to be changed. I am grieving and don't need this hassle.
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MA)

I have had Chime Bank through the XXXXXXXX XXXX for a little over a year, and had thousands of dollars moving through it from employment, to tax returns, and unemployment. Chime bank Abruptly decided to close my account on XX/XX/2020, with out my consent. I had a total of {$6700.00} between my checking and savings accounts. I have repeatedly tried to have chime refund my money to me with out any success. They claim to have returned the funds back to the Massachusetts Department of Unemployment Assistants PUA. I have called Unemployment numerous times over the past 6 weeks. Seeing as I still have an active claim with them, they have informed me that they have not received any funds from chime bank on my behalf. The Unemployment office also indicated to me that they have had a lot of issues with chime bank, stating that the bank has not been returning peoples money. So I am hoping this agency can help  me resolve this issue seeing that this bank took my entire life savings from me.
Consumer complaint received 2018-03-02
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. (NV)

I am having a very hard time with the following XXXX XXXX ACCOUNT XXXX, reporting incorrectly on my credit report. This erroneous line item is causing a DRASTIC reduction in my score unfairly. 

I have called XXXX XXXX numerous times, and they keep telling me that they do agree I paid the account in Full by XX/XX/2017. Then they say that same day it went to Charge Off Status.  Why would it go to charge off, after I paid the balance to XXXX? this is causing it to incorrectly report as a paid charge off, depsite them admitting I paid the bill entirely, on time. Then they say they will open an internal dispute, and nothing ever happens. I want this line item to read, never late, paid as agreed. This should not be a charge off in any way. I try to dispute it with the credit bureaus, However they are failing to take action on the line item and either remove it, or edit it to show paid as agreed. In summary I was NEVER LATE on this account, and I paid it in full. If XXXX XXXX wants to close the account at their discretion - FINE, but that does not have ANYTHING to do with false reporting. 

Please see the following facts 1 ) XXXX XXXX XXXX continues to say {$340.00} was charged off. However that is false. I included my bank statements to show when payments were debited from my account. They will now admit by phone I DID pay the balance in full at XXXX XXXX  on XX/XX/XXXX. At this time when I called to make the payment, NOTHING was mentioned about a chargeoff or account closure. 

2 ) XXXX XXXX XXXX WAS NEVER CHARGED OFF, it was paid in full on XX/XX/XXXX. How can you charge off {$0.00}? Please, I kindly ask you to review the payment information below. Its reporting wrong and causing me denial in credit unfairly.. 

3 ) They even report FP = Failure to Pay. How can this OBVIOUS mistake continue to report. There is an FP reporting for XXXX and XXXX, but CLEARLY, you can see a payment was made in both of those months. Attached below is my bank statement showing the payments. Furthermore how can it be an FP, if the balance is {$0.00}?! There was a balance in XXXX, if I failed to pay, then HOW DID THE BALANCE GET TO {$0.00} XXXX XXXX Account # XXXX was never charged off. It was paid satisfactorily with {$0.00} balance, BEFORE chargeoff I kindly ask if you can please change the status to correct it, and show as CLOSED/PAID SATISFATORILY or PAID AS AGREED, CLOSED or PAID/CLOSED ( or something like that? ). The chargeoff is ERRONEOUS, and hurting my score unfairly. 

I appreciate your help.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I am having a very hard time with the following XXXX XXXX ACCOUNT XXXX, reporting incorrectly on my credit report. This erroneous line item is causing a DRASTIC reduction in my score unfairly. 

I have called XXXX XXXX numerous times, and they keep telling me that they do agree I paid the account in Full by XX/XX/2017. Then they say that same day it went to Charge Off Status. Why would it go to charge off, after I paid the  balance to XXXX? this is causing it to incorrectly report as a paid charge off, depsite them admitting I paid the bill entirely, on time. Then they say they will open an internal dispute, and nothing ever happens. I want this line item to read, never late, paid as agreed. This should not be a charge off in any way. I try to dispute it with the credit bureaus, However they are failing to take action on the line item and either remove it, or edit it to show paid as agreed. In summary I was NEVER LATE on this account, and I paid it in full. If XXXX XXXX wants to close the account at their discretion - FINE, but that does not have ANYTHING to do with false reporting. 

Please see the following facts 1 ) XXXX XXXX XXXX continues to say {$340.00} was charged off. However that is false. I included my bank statements to show when payments were debited from my account. They will now admit by phone I DID pay the balance in full at XXXX PM on XX/XX/XXXX. At this time when I called to make the payment, NOTHING was mentioned about a chargeoff or account closure. 

2 ) XXXX XXXX XXXX WAS NEVER CHARGED OFF, it was paid in full on XX/XX/XXXX. How can you charge off {$0.00}? Please, I kindly ask you to review the payment information below. Its reporting wrong and causing me denial in credit unfairly.. 

3 ) They even report FP = Failure to Pay. How can this OBVIOUS mistake continue to report. There is an FP reporting for XXXX and XXXX, but CLEARLY, you can see a payment was made in both of those months. Attached below is my bank statement showing the payments. Furthermore how can it be an FP, if the balance is {$0.00}?! There was a balance in XXXX, if I failed to pay, then HOW DID THE BALANCE GET TO {$0.00} XXXX XXXX Account # XXXX was never charged off. It was paid satisfactorily with {$0.00} balance, BEFORE chargeoff I kindly ask if you can please change the status to correct it, and show as CLOSED/PAID SATISFATORILY or PAID AS AGREED, CLOSED or PAID/CLOSED ( or something like that? ). The chargeoff is ERRONEOUS, and hurting my score unfairly. 

I appreciate your help.
Consumer complaint received 2022-08-16
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-02-01
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 have few thing on report that where done in my name ..i had nothing to go on but put them in my bankruptcy but they still appear it the only thing i knew how to do so after bankruptcy i still see them on report so i tried to dispute but no luck there and i been watching XXXX  and got your contact so im asking please can you help me as well as inquiries that where not mine..
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (IL)

National Credit Systems is attempting to collect on debt from XXXX XXXX XXXX XXXX XXXX. I had originally disputed the debt to XXXX as being invalid, and I was originally unaware of the debt to XXXX XXXX XXXX, but also maintain that debt is also invalid. 

The debt to XXXX  is invalid because XXXX  made an insurance payment to XXXX XXXX XXXX in the amount of {$1000.00} that was invalid for the following reasons : - XXXX XXXX XXXX charged me XXXX XXXX for renter 's insurance, despite me having my own insurance and notifying them of that fact. The total amount was {$75.00}. 
- XXXX XXXX XXXX charged me {$810.00} for early termination of my lease. However, I terminated the lease because they violated the lease agreement by failing to fix a broken gutter that was hanging dangerously close to the electrical lines after being notified of the damage. By violating the terms of the lease, I can not be charged a fee for moving out early. Additionally, the original lease agreement does not mention the {$810.00} fee. 
- XXXX XXXX XXXX charged an excessive amount for cleaning. {$60.00} to vacuum some pet hair, {$150.00} to mop floors, and {$120.00} to wipe down appliances. 
- The total charged by XXXX XXXX XXXX was {$1200.00}, of which XXXX paid {$1000.00}, despite me disputing the charges. 

The debt to XXXX XXXX XXXX, in the amount of {$230.00}, is invalid because it is the total fee minus the amount paid by XXXX. 

I have attempted to discuss the invalidity of the debt with National Credit Systems, but they have refused to look into the matter.
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (MO)

On XX/XX/2019 a foreclosure sale was scheduled in XXXX XXXX Missouri. The sale was postponed to XX/XX/2019 and the sale did not happen. According to court records filed in XXXX XXXX Missouri Case Number XXXX XXXX XXXX stated and on his attorney letterhead that he purchased the property on XXXX, 2019. Then on XX/XX/2019 XXXXXXXX XXXX XXXXXXXX  filed an Accomadation Deed that XXXXXXXX XXXX XXXXXXXX XXXX with the address of XXXX XXXX XXXX Missouri purchased the property on XX/XX/2019. The address of XXXX XXXX XXXX Missouri belongs to XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX is registered with the State of Missouri of having an address of XXXX XXXX XXXX XXXX Missouri.
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC (FL)

With date XX/XX/XXXX, I made a payment of {$120.00} for cell charges. Numbers XXXX, XXXX and XXXX at the store # XXXX of the XXXX of XXXX FL. ( see Receipt # 1 ) On XX/XX/XXXX, I went at the store # XXXX of XXXX to transfer the Cell number XXXX and XXXX to XXXX, explaining to Sale Rep. that the line XXXX is not going away to use any more. 

The day XX/XX/XXXX, 16 days after I made the change of the numbers to XXXX XXXX XXXX, I went again in the Store # XXXX of XXXX and made a payment of {$110.00} ( See Receipt # 2 ) Then I received a notification from XXXX that Cell line XXXX was delinquent and had to pay a penalty, so I went to Store # XXXX again on XX/XX/XXXX and made a payment of {$100.00} for this line that was not been used or had charged minutes since I transfer the other lines ( See Receipt # 3 ). Again I told the XXXX Representative that this line was not in use, he replied that is better is I will call at XXXX. I made the call and talk to the Representative named XXXX XXXX # XXXX cancelled the line ending on XXXX. 

After I made all this payments, I had been notified by XXXX  XXXX XXXX that I had reports on my credit for delinquent. I suppose this was the reason for the denial of credit lines that I was applied. This did not stop and they kept on sending collection notification to the credit bureaus and phone calls to me, until I received the last notification ( XX/XX/XXXX ) from the office of a lawyer Maury Cobb Attorney at Law LLC.  Asking me to pay a total of {$370.00}. 

I went several times in XXXX XXXX and I made phone calls to the offices of XXXX to complete this problem and they continue with this abuse harassment since XX/XX/XXXX. 

I consider myself a citizen complying with the laws and with a record of good moral behavior and with a good credit record that they are affecting. 

For this reason I demand that my credit wil be repaired by XXXX and leave this abuse and harassment. 

Thank you
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CT)

In 2021 XXXX XXXX XXXX  was notified with a complaint against XXXX XXXX XXXX concerning these charges. 3 days after a customer service manager from XXXX XXXX XXXX contacted me to understand my complaint submitted to XXXX. I explained the reason of the determination of the contract service since I could not use the phone and neither the service and I was tired calling and calling for help. I returned the phone and I was told that my service is terminated and I would not have anymore charges or any contract with XXXX XXXX XXXX. and here we are after 2 years. Everything should be on file, including the dispute made throughout XXXX
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AK)

The servicer has 90-minute hold times. Unfortunately, I have to work for a living and can not spend 90 minutes on hold during the servicer 's business hours. Nor can I recieve a call back as the area of the building I work in does not have cell phone service. Nor can I stand by my employer 's phone/landline for 90 minutes when I am supposed to be working. 

This servicer can not provide timely customer service. I am getting XXXX from all the attempts I've made to contact them. 

I am going to have to take time off of work to spend that long on hold. I feel I am entitled some reimbursement/compensation for all the failed attempts to contact them, as well as having to use PTO to make contact.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I requested debt validation from XXXX about an account that is reporting inaccurate information on my credit report. XXXX XXXX ACCT ; XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXXXXXX XXXX XXXX
Consumer complaint received 2019-09-17
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. (MA)

I have sent documents to experian twice proving that the account open in my name was fraudulent but they refuse to delete it from my record. I sent a copy of the company stating that they found the account in my name was fraudulent also sent them a copy of the court document showing that the case was dismissed because of it. I sent the same documents to XXXX  and they deleted that account from my record without further questioning. I also am having the same problem with XXXX as I sent them the same info as well. Both XXXX and Experian is impossible to reach by phone to talk to a live rep to address the problem.
Consumer complaint received 2019-01-25
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: Navient Solutions, LLC. (IN)

To Whom It May Concern : This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy and/or completeness of information you have posted to my credit file.

I am sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623.

On separate occasions, I have disputed with all credit bureaus ( XXXX, XXXX, and XXXX  included ) pertaining student loans for the date of last activity, payment history, status and the disputes returned verified. After some further investigation on my part, I am also concerned that this account is reporting to XXXX, XXXX, and XXXX is inaccurate and incomplete.

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( July 1, 2009 ), 16 CFR 660.4, this Notice of Direct dispute includes the following : -Payments history is inaccurate and incomplete Please not documents 1 and 2 as well as the loan numbers correlating to the accounts below