davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (ID)

I have two mortgages with Ditech, and have had them for years. In XXXX I scheduled my XXXX payment for both of my accounts. I did not recieve the typical email confirmation, so I called in, and was given the confirmation number. I explained that I had two accounts, and was assurred that the payments were both there. On XX/XX/XXXX, I received an alert from the credit bureau that my credit score had dropped due to a 30 day late notice on Ditech mortgage. I immediately contacted them, made another payment, and began the process of sending information to get the 30 day late removed. Finally, on XX/XX/XXXX, I received a letter from Ditech that they would change the infomation reported to the credit reporting agencies. Just getting that letter took several hours of calls, and going through several people, but I was happy I got it. I was assurred this would be reflected on my credit report in 3-5 business days. As of today, XX/XX/XXXX, it has not happened. I am now working directly with the credit reporting agency in hopes of fixing this situation soon, as I have been turned down for loans due to this problem. But, then it gets better. I paid my payment in XXXX for both loans again. I was traveling for most of the month, and had not reconciled my bank account until yesterday. Now, the payment for the other loan has not cleared for XXXX!!! I went on line to check yesterday, and it was reporting as if it had not been paid. I paid immediately, and this morning started the process all over again for this loan. However, after being on the phone for almost an hour, and talking to someone who did not seem to understand what I was asking, I was sent to a manager and told my account is closed and with another loan company. I need to contact them for customer service. They, of course, can not help me with Ditech, and I was aware that as of XX/XX/XXXX, I was to go through the new company. However, this is a XXXX issue. I know Ditech is undergoing re-organization, ie, bankruptcy, because they sent customers a letter a couple months ago. I understand they may be having troubles that may take a little longer to get fixed. However, I am a long time customer with them and I have never had anything like this happen. Now it has happened twice in a couple months. I am frustrated, and fearful that they are going to repot yet another 30 day late on my account, and I can not do anything about it.
Consumer complaint received 2022-09-16
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$2100.00}
Consumer complaint received 2022-09-07
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One credit card. 
Quick Silver Acct XXXX I have 2 capital one credit cards. For some reason they are not reporting this particular card to XXXX XXXX XXXX. Only reporting to XXXX. 

Its throwing off my scores from each other on accounts open and credit availability.
Consumer complaint received 2019-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CO)

from XXXX through XXXX I was in college not only at XXXX XXXX college but XXXX XXXX which is the apprenticeship I was doing at XXXX XXXX. I never had credit cards with high limits I would not qualify for them nor at any time would I have tried I was in school and didnt work. I have to many medical issues to be working full time. It is a fact I have XXXX XXXX XXXX XXXX XXXX   XXXX XXXX and multiple XXXX XXXX. My records are with XXXX XXXX in Colorado and I was placed on medical leave on XX/XX/XXXX. I filed complaints on here about 2 creditors and when I filed with an attorney general in Colorado I did receive part of my money back but not all. I have several documents showing I was in school including transcripts and certificates. I also have a document stating XXXX XXXX had understood I was in college back in XXXX and had sent me an exemption letter however I did not receive it but it is on record when I filed a complaint with an attorney general in Colorado about another creditor. I was actually sent my money back and I have a copy of this check however XXXX and XXXX ignored the letter that XXXX XXXX had written up in XXXX and continued to come after me.
Consumer complaint received 2019-04-13
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. (CA)

I have a credit card with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-04-13
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. (CA)

I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX   only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a credit card with XXXX CARD. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX CARD and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and XXXX CARD with no successful resolution. XXXX XXXX and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suttell, Hammer & White, P.S (CA)

I have been paying from XX/XX/XXXXeach month towards the settlement amount. Today, I called them to verify how much balance is left towards the settlement amount. They said I broke the settlement by missing the payment inXX/XX/XXXX. I checked with my bank account and verified it was paid. Then I called them to inform this and this time they said it was XX/XX/XXXX payment I missed. Again, I checked with my bank and it was paid. Every month it was paid and never missed a payment. I have the proof from my bank it was cashed each month. They never sent me statements to reflect the balance. I need this to be resolved ASAP.
Consumer complaint received 2019-04-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP (FL)

My husband and I leased aXXXX XXXX XXXX VIN No. XXXX and regularly paid the monthly lease payments for 36 months. When the lease was about to expire we inquired with te XXXX Honda dealer about our options. Wewanted to understand whether it would be more advantageous to turn in the vehicle and pay the fees associated with the extra mileage/damages to the car or trade the vehicle in for a new car on terms adjusted to account for such extra mileage/damages. Ms. XXXX XXXX ( buying advisor at the Honda   dealer in XXXX ) wrote to us on XX/XX/XXXX stating Iwill be honest with you XXXX, I can't promise you any pricing until you come in and get an appraisal done. They have to see your vehicle because that works into the final numbers. On XX/XX/XXXX, Ms. XXXX wrote that That's fine XXXX, we'll do the appraisal and then get the numbers and you can make your decision. Make sure they ask for me when they come in. As a result, we brought the XXXX XXXX in so that it could be appraised and make an informed decision as to the best course of action. Thereafter, the dealer prepared an offer for a walk away at XXXX down + XXXX per month. On XX/XX/XXXX we wrote to Ms. XXXX with the following counteroffer if you can grant us XXXX miles per year instead of XXXX, we will sign your offer XXXX ( walk away at XXXX down + XXXX ). Please confirm or reject. On XX/XX/XXXX, Ms XXXX answered My Manager agreed to the deal, he needs to know what color you were looking for as we have to get one in for you. Our decision to trade in the leased carwas based on the terms presented to me as a walk away after Honda had the opportunity to appraise the XXXX to find out the cost associated with the extra mileage/damages on the car. The agreement was to trade in and walk away from the old XXXX for a newHonda AND pay a higher amount to cover for the damages associated with extra mileage and wear/tear of the trade in. Absent the walk away option we would have never accepted Hondas offer and would have turned in the vehicle without committing to a new lease at a much higher price for additional 2 years. Any attempt to provide a different interpretation of the facts as detailed above is clearly contradicted by the correspondence exchanged with the Honda dealer and contrary to the most basic common sense. 
Honda is now demanding payment of {$6600.00} in connection with the XXXX XXXX  XXXX recover the damages to the old car even though they agreed to a walk away in exchange for a higher lease payment ( almost {$700.00} per month ) on the new XXXX XXXX XXXX car my husband and I leased after turning in the XXXX car. They are attempting to collect twice for the same item.
Consumer complaint received 2023-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (WA)

Resurgent Capital Systems XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX I had tried to get resurgent capital services to give me statements from when the debt was opened to the time the debt was closed. They have not given me the information I requested. They keep calling my family members & harassing them about my location. I have asked them multiple times to stop they will not & they continue to do so. The company needs to provide me with all information regarding my credit report. they will not send me information saying they can collect debts in Washington State. 


XXXX
Consumer complaint received 2019-04-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I have been using Chase Bank 's Bill Pay to pay my XXXX bill since XX/XX/XXXX of 2018. XXXX claims that it has not received my payments since the mentioned date. I contacted Chase by phone and in person several times, but no one is willing to help me. I asked Chase to refund the money to my account so that I could pay XXXX using a different method. Chase said that they can't do that. I went to the bank and showed them correspondence from XXXX stating that they have not received the payments. Chase is still unwilling to pull back the payments and refund it to my amount. No one at chase is willing to take responsibility or help me. I ask that they refund the money since the merchant says they haven't received it.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (GA)

i have contacted the company to advise that i was victim of fraud while i was in XXXX the company has failed to verfiy the accuarte information so i am demanding it be removed.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MAJR Financial Corp (MO)

My husband and I went to apply for a mortgage. Several ( 11 so far ) 150+ day lates showed on our reports for Majr Financial after the account was satisfied and closed. I contacted Majr Financial. They told me they weren't sure why the mortgage company was claiming this showed on the reports and confirmed that the account had been closed and paid in XXXX of 2018 and should be reported as such. They sent me a letter stating that the account was satisfied with the date. ( I will attach said letter ). This is all they did. As the false reporting is affecting our mortgage process, we need the incorrect late payments removed and our scores corrected ASAP
Consumer complaint received 2019-04-02
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: DISCOVER BANK (MA)

On XX/XX/2017 a family member got my information and applied for {$20.00} a personal loans from Discover financial service. On XX/XX/2017 I discover the fraudulent account and contact Discover with my concern with a police report as well, they refused to clean my name and prosecute the fraudulent. I am a XXXX   woman who always manages my debt online and never call any company and for the past 2 1/2 years I never make that money and put myself in anything I can not handle because I am not fluently in speaking for the XXXX part but good at writing or reading. Soon I discovered what happens, contact Discover financial services for clarification the refuse to believe me even I sent the police report and the bad part they put the funds in a bank account I didnt have access before I even know. Like I said I suggest anyone never get anything from Discover, stays away believe me stay away because the give the money away without contacting me first. I am dealing with XXXX because at that time working as a XXXX XXXX making {$320.00} or XXXX with XXXX kids I will ever ever put myself in that situation. I didnt know what to do the keep sending paper in my address, mess up my credit.Discover have to released the phone records make with the fraudulent to see if I am responsible and I am sure they will find the answer if the want to.
Consumer complaint received 2019-09-18
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. (NJ)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ACCOUNTS ATTACHED TO THIS COMPLAINT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS FOR I HAVE HOLD AN EXCELLENT MEMBERSHIP STATUS.
Consumer complaint received 2019-04-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ENOVA INTERNATIONAL, INC. (IL)

On Thursday XX/XX/XXXX I was approved for an {$800.00} loan from cashnet USA. It was due to be deposited XX/XX/XXXX. It is now XX/XX/XXXX and I have not recieved any of the money that I was approved for. I contacted my bank and they show nothing pending on their end. I contacted the company. They say they show it was sent for deposit into my account. I told them it was not recieved and I would like to cancel the entire transaction. They are currently showing that I owe them money. However, I have not recieved anything from the company. My customer ID with cashnet is XXXX
Consumer complaint received 2019-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (OH)

I recently on XX/XX/XXXX noticed a collection ton was added to my credit report for XXXX. 
By a contract callers inc. 
Looks like they bought an old unverified debt that was deleted from my report 2 years ago and now they re aged it to look like it was recent on my report it says XX/XX/XXXX.
Consumer complaint received 2018-03-28
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. (MN)

I am a victim of identity theft. The following accounts and credit hard inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent, not mine and dont belong to me : XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$780.00}, XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$520.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening telephone calls of profane language, XXXX threats, threats of legal action, being arrested and going to jail and prison from XXXX XXXX XXXX representatives for over 1 year for the fraudulent XXXX XXXX XXXX credit card accounts. XXXX XXXX XXXX is in clear violation of The Fair Debt Collection Practices Act ( FDCPA ). The XXXX XXXX XXXX   credit card accounts and credit hard inquiries are all fraudulent, unauthorized and dont belong to me.
Consumer complaint received 2018-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CRA VIOLATION / INACCURATE INFORMATION REGARDING NAME, ADDRESS EMPLOYMENT NOT AUTHORIZED BY ME APPEARED ON MY TRANSUNION CREDIT REPORT.
Consumer complaint received 2019-04-13
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: EQUIFAX, INC. (FL)

My credit reports are showing that I have missed or my payments has been late 5 months consecutive putting me up at 30 60 90 days late which has affected my credit score as well as my potential to get credit I have bank statements proving payments were made and no way have I missed as many payments. I've reached out numerous times in order to get this resolved but only results I've received is report is accurate. I am not positive as to exactly when they report but it's causing hardship on my credit score.
Consumer complaint received 2019-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are showing that I have missed or my payments has been late 5 months consecutive putting me up at 30 60 90 days late which has affected my credit score as well as my potential to get credit I have bank statements proving payments were made and no way have I missed as many payments. I've reached out numerous times in order to get this resolved but only results I've received is report is accurate. I am not positive as to exactly when they report but it's causing hardship on my credit score.
Consumer complaint received 2018-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

I have constantly contacted this company for validation of this debt. 
I never received any documentation from them proving that this is mine. 
Ive never received correspondence from them either. 
Im not even sure how this ended up on my credit report without my knowledge of this in the first place. 

Also I do believe a medical file being sold to a collection agency is in violation of the hippa law.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX