davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 2019-02-03
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. (NY)

I have no records of doing business with the companies I found on my credit report. I have filed a FTC ID theft report for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. please delete/remove these account they are not mine. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX NEW YORK XXXX.Please remove any other address.
Consumer complaint received 2019-02-03
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)

I have no records of doing business with the companies I found on my credit report. I have filed a FTC ID theft report for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. please delete/remove these account they are not mine. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX NEW YORK XXXX.Please remove any other address.
Consumer complaint received 2019-02-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

XXXX XXXX needs to be shut down. They are not above the law. They do not refund money when unauthorized purchases are made on social security credit card. I purchase a XXXX car wash and somehow under the transmission they took out all of my funds of XXXX. Now this is only a car wash not a place to pump gas. It was so obvious there was an error but XXXX XXXX denied my claim. You really need to investigate this I now think they have an automatic denial letter generated for false charges to the consumer 's and they forget they are regulated the federal laws like a bank. I believe this is an incredible crime on their part and I would like my money back.
Consumer complaint received 2023-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (GA)

No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2019-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX I realized that I became a victim of identity theft from someone using my debit card info to apply and setup XXXX accts for their personal gain .I noticed the transactions and contacted my bank reissued me a new card and it started happening again disputed the items again in XXXX and was now told these charges are valid. XXXX a large amount of money came out my acct from bank of America stating all charges were valid and temporary credit was taken back I opened dispute several times to be told the same thing over and over from bank contacted XXXX XXXX said it doesn't issue refunds contact your bank .I call my bank they tell me to contact merchant but I'm out of almost XXXX  between my 2 accts .and I open investigation again with a police report, and I called XXXX and XXXX couldn't give me full name but issued me partial names of 10 accts under 1 card since XXXX Bank of America has issued me 9 different cards due to fraud but say all charges are valid and I also received a letter from XXXX   stating I'm in their data breach but low and behold I still cant get my money back thays been lost over a 11 month span and I alerted them on several disputes and bank of America linked them all together and will not give me my money back .this has put me and my family in a financial crisis with all the fees and loss of XXXX is substantial to anyone to lose especially when it's your mortgage payments. Also I've asked bank several times to provide me proof that charges were valid and the bank stated they dont have any written proof from merchants but analyzed and said it's off their knowledge. I am requesting written contractual agreements with my signature on them.to validate their claim of authorized charges .which Cant be produced because I never authorized any charges. I still request bank provide me written documentation with my original signature on receipts or contract to validate and prove that charges were authorized by me. I request validation of all charges with written documentation with my original signature on the document for validation .please provide
Consumer complaint received 2019-02-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

XXXX XXXX placed a collection of X amount on my Credit Report without any notice of my rights to dispute. The information provided claims that I opened an account with " XXXX XXXX XXXX '' on XX/XX/2017. This doesn't add up because at the time of my XXXX I was going for my XXXX  clearly before my daughter was born inXX/XX/2017. After XXXX XXXX, I never got check-ups. I tried resolving this issue with the number listed and I was put on hold for several minutes before they hung up on me. No callbacks or response ever since.
Consumer complaint received 2019-02-04
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)

Credit Reporting companies are reporting that I have 30 days late of a payment that I made to Setf. 
I never made 30 days late of a payment the other person that is making the payment made the payment 14 days late remove and update my credit report.
Consumer complaint received 2017-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

On XX/XX/17 I went to XXXX XXXX XXXX in XXXX, NY to purchase a used XXXX XXXX XXXX car which I saw advertising in the XXXX XXXX Website for sale at {$4900.00}. The salesman told me that the car was being cleaned and it was not in the lot and if I was interested in the car, he would start the paperwork and I could come another day to finalize the purchase. I posted a downpayment of {$2500.00} for the car and we agreed that the dealership will be taking my old car for a price of {$300.00}, bringing my downpayment for the car at {$2800.00} He proceeded to take my information for financing the car. I was told that I was approved for the car loan and I will be paying {$230.00} a month for 36 months. On tuesday ( XX/XX/17 ), I went to pick up the car and I asked for the paperwork to be signed and I was told the same information as provided that Saturday ( XX/XX/17 ), and that the application was filled out on line and that I will be getting a phone call from the Financial Company to verify the purchase of the car. Later that day, I received a call from Credit Acceptance to verify that I have purchased the vehicle at the same time I asked for a copy of the paperwork and I was told by Credit Acceptance that the Dealership was responsible for providing copy of the contract. I called the Dealer again and I was told that a copy will be mailed same day. 2 weeks later and after opening a claim with Credit Acceptance Customer Service Area, I received a copy of contract in the mail and found the following : 1- The Car Sale Price in the contract was inflated by {$3000.00}. Car was advertised for {$4900.00} and that was the agreed at the time of the sale. <P/>2- The last page of the contract shows my signature which is not my signature. I am certain that the signature was copied from the trade of my car form. I traded my old car at the time I picked up the XXXX XXXX. <P/>
3. The contract life of the loan is showing 57 payments at {$230.00} instead of 36 months as agreed by both parties.
<P/>I went to dealership to show the discrepancy in the car sale and I was told that there is a dealership fee and an extra fee from Credit Acceptance for the loan. That information was never told neither is showing in the contract. <P/>I submitted another claim to Credit Acceptance Corp. on XX/XX/17.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (HI)

Im XXXX years old. I graduated from XXXX  in XX/XX/XXXX and University of XXXX XXXX in XX/XX/XXXX. I have a XXXX  in XXXX and XXXX in XXXX XXXX. I XXXX XXXX XXXX XXXX for 4 years and XXXX XXXX XXXX XXXX for 1 year. I then switched careers to the XXXX XXXX where I have been working as a XXXX  and XXXX  for the XXXX XXXX XXXX for 11 years. I have applied for loan forgiveness multiple times only to be denied. First, it was my loan was the wrong kind and I should consolidate. So, I consolidated. Then I had the wrong repayment plan. Its always something. I have been in public service for over 20 years total since before I went to college. I have paid off all my loans. I have literally been making payments for 18 years. I pay over 100 dollars a month. I have never missed a payment. I still have XXXX dollars to pay off. I am seeking loan forgiveness and I am just getting the run around. I should have been forgiving for my time as a XXXX  and again now as a XXXX. I need help with this. I have paid enough. There are some class action suits that I am looking to be part of. My loan used to be Sallie Mae and it is now Navient.
Consumer complaint received 2017-07-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

I reached out to Loan Care for a refinance or assistance because i was 1 month behind and having trouble catching up. I asked what my options were to help resolve this. Loan Care put me into a loan modification program. We paid our mortgage 3 months in a row to see if we were worthy of the program. We were told not to make another mortgage payment until they completed the modification. I received paperwork that the loan modification was complete and notarized it and returned it to Loan Care. My wife called the next day to give Loan Care the tracking number and inform them that the paperwork was on the way. She asked when we would resume payments and was told that until the modification is finalized we would not know when or how much our mortgage payment would be, so we have to wait. I called Loan Care at least 3 more times the following months only to be told the  same thing. I call again in XX/XX/XXXX only to be told now that we are 2 months behind. We signed the paperwork on the XX/XX/XXXX and did not hear anything regarding the payment until our XX/XX/XXXX statement came on the XX/XX/XXXX that showed the updated payments from the amendment and now that we were behind 2 months going on 3. Loan Care refuses to take responsibility for their mistake and instead blames us for not knowing that we were to resume payments immediately after the modification even though every associate we spoke with during that time told us to wait. Now because we are showing as delinquent, we ca n't go elsewhere to refinance and all of a sudden Loan Care is out of options to help. They are only willing to take multiple payments from us so we can catch up and refuse to update the credit report even though it was their fault that we are behind.
Consumer complaint received 2019-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

Hello. In XXXX I purchased a foreclosed home, I then put about $ XXXX {$60000.00} into repairing and getting it. By the beginning of XXXX the home was completely remodeled, so I reached out to my mortgage company caliber home loans and requested that they remove my PMI and or stop dispersing it to the company that was charging me. On multiple occasions I spoke to representatives at caliber home loans who told me I did not meet the threshold to have it removed, so I then requested information to speak directly with the PMI servicer and they told me I would have to deal with them directly meaning caliber home loans. I requested every time I spoke to them to make a note because I knew my home was valued above the threshold to have the PMI removed but they refused to send me the forms to start the process they said on multiple occasions that it was In the mail, they never arrived. Meanwhile I became a XXXX patient while all this was going on and continue to argue with them about the value of my home and the PMI being unnecessary. As of a couple months ago I went on the website completely frustrated and found a pdf form having just spoke to a representative that told me it was not possible I decided to fill the form out on my own and send in the payment to start the process because I knew I was correct. This past month the broker came out to my house to do the home evaluation and told me my home was valued well above the PMI threshold and that there was no reason that I should have been paying for a PMI insurance for the past two years almost 3 years. I decided to call caliber home loans and explain to them that it is very frustrating that because of the incompetence of their representatives I paid money that I could have been putting towards medical cost towards a service I did not and do not need. They took no responsibility and said that the PMI is now removed and I should be happy with that. Would you be happy if someone stole {$4200.00} from you for a service you never needed? They have taken no responsibility and just told me that they sold my loan to a new company to get away from the problem this is unacceptable I would appreciate assistance on this situation as they continue to disburse money to a company they received a kickback on at my benefit.
Consumer complaint received 2022-09-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (GA)

Good day, once again, XXXX the company that you had pay XXXX XXXX in fines, and redress to customers in XXXX, continues to erroneously code payments incorrectly. I was making my next to last monthly payment of XXXX for XXXX to include my principal, and escrow payment. I was scheduled to make my last payment in XXXX after they had sent out my tax payment to XXXX XXXX taxes of XXXX dollars. I purposely delayed paying off my home because of the thousands of complaints filed against this company of fraud, and tying up deeds, and escrow refunds. I had agreed with XXXX on Friday, XX/XX/XXXX, to make a regular payment, then payoff my home in XXXX. Mr. Cooper sent it all to my principal, paying off my loan, and offering no information on escrow, pay off, or anything else. I am a single mother who lost her job, in XXXX, and have been struggling for years. I do not have the XXXX dollars lying around to pay my own taxes while they pay me back my escrow at their leisure. Please help me. I need my payment recoded, or them to pay the taxes early as I know that they have already received the statement. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. Loan number XXXX. I can be reached at XXXX, or XXXX. Thank you for your time. Please do not close this complaint again, they did not help me
Consumer complaint received 2019-02-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Filed bankruptcy with XXXX XXXX in XX/XX/2012 but they never reaffirmed. I continued to pay then loan was sold to XXXX XXXX .... loan is current but still not being reported to any credit bureaus.
Consumer complaint received 2019-02-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX started this whole ordeal, prior to them taking me off of XXXX XXXX deal with older people getting phone service cheaper. When I saw my TU report that XXXX XXXX, had gotten this, back in XX/XX/2018, I disputed the charges with this agency, but have not been able to dispute this with this collection agency, XXXX I've never got any mail notification, from them since they had gotten it from XXXX since I've gotten this information off my credit report thru TU, back on XX/XX/2018. XXXX is the culprit of this whole ordeal. I told them I wanted a landline phone, with caller ID only, they wouldn't accommodate me. They decided to turn me off completely from their services. So much for Technology.. all XXXX  wants if money!
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (LA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACt XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 STATES THE RIGHT OF PRIVACY.

15 U.S.C SECTION 2 ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2018-04-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2018 I closed my checking and savings account and moved all my funds to another bank. A few days later a check I had written was presented to the bank for payment of {$9.00}. Rather than refusing the check, the bank reopened my account and paid the {$9.00}. The bank then charged me $ XXXX+ a {$35.00} insufficient funds charge on my closed account and assessed me a {$30.00} per week charge for every week subsequently. Of course I knew nothing about this until I received a notice from my former bank on XX/XX/XXXX demanding payment of {$130.00}. I have tried to resolve the issue thru contact with customer service. They offered to waive one fee and told me to speak with the branch manager, a XXXX XXXX. This was to no avail. Attempts to contact the regional manager were thwarted by the banks refusal to provide his phone number or proper email address. Attempts to contact senior officials in higher offices were also hampered by promise of " I will check into that and get back to you '' I paid the bank the {$9.00} they were owed but have refused to pay the assessed fees for their stupidity.
Consumer complaint received 2018-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I applied for the XXXX XXXX XXXX XXXX XXXX Card by Chase on XX/XX/XXXX, and was approved with a {$22000.00} credit limit. On XX/XX/XXXX, before I even had a chance to use the card, Chase closed the account. I received a letter in the mail stating, " After careful consideration, we closed your credit card account on XX/XX/XXXX, because our affiliate is ending its banking relationship with you. '' I called the phone number on the letter ( XXXX ) on XX/XX/XXXX, and the representative told me that all she can see is that another of my Chase accounts was closed. However, I do not have any other Chase accounts, except for a mortgage, which Chase bought in XX/XX/XXXX ( and is still active ). The representative said there is nothing more she can do, and that I am welcome to mail a letter or send a fax to their executive office. 

I suspect this account closure may be due to fraudulent activity. On XX/XX/XXXX, someone had fraudulently applied for a Chase credit card in my name. I reported this to Chase at the time, and the Chase representative informed me that the account was closed.
Consumer complaint received 2022-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NJ)

I had a line of credit with care credit through Synchrony bank. That line if credit was paid off in full and the account was closed. 

Approximately one year later, Synchrony bank sent me an email for a past due amount. I called them and explained that my account was paid off in full and closed. Synchrony bank informed me that they will take care of the problem and close my account. 

About a month ago I started receiving more emails from them for a a past due account. I emailed them stating that was not my account. Even though I received a response, I still kept getting calls. I called them back again and explained the situation, and was told for a third time that the problem will be taken care of. 

Now they put a delinquent account notice on my credit report.