davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Due to Hurricane  XXXX in XX/XX/XXXX, we were granted a 6month deferment thru XX/XX/XXXX with LC. 

However in the interim : ( 1 ) they have reported us negatively to all 3 Credit Bureaus - after saying we wont receive delinquent fees or reporting ; ( 2 ) they have yet to provide us with an itemized payment report per XXXX XXXX, a Supervisor, stated he was going to mail that report ; and ( 3 ) The ENTIRE STAFF is ALWAYS rude, condescending, impatient, & unknowledgeable of the status of our modification. 

We have resumed our monthly payments & cleared 4 of the 6 payments in arrears. But when we call in with questions, we are consistently told that we must speak w/a Rep from the Loss Mitigation Dept. - but good luck w/that! No one can tell us " who '' our Rep is & when we are given a contact name, that contact is constantly reassigned so we are never clear " who '' is our current point of contact. That person NEVERS returns messages either emailed or verbally left w/the Customer Service & Collections Depts. XXXX XXXX in the Underwriting Dept. was supposed to call us regarding the status of our modification it never happened! 

Our monthly payment amount has fluctuated via a written statement & via verbally told by a Rep. The only explanation provided was, " disregard that statement - you will get a new payment amount when the underwriter completes your modification. '' Currently, we are unable to access our account online XXXXdue to this supposed " modification process '' - but guess what LC, WE HAVE BEEN TRYING TO PAY THE 2 ARREARAGE PAYMENTS!!! This process has taken forever, so we dont want nor need your modification with only a {$4.00} reduction in monthly payment!!!

After experiencing Hurricane XXXX & hearing the recording that said LC was here to help - we do not feel valued as their new consumer nor do we receive respect from ANY of their employees ( employee # XXXX on XXXX @ XXXX CST ) when we call in. This includes extremely rude supervisors, such as XXXX XXXX that shouted @ me on XX/XX/XXXX @  XXXX CST. We have even had employees disconnect the call, after we have asked to speak w/a supervisor. 

Again, LC is attempting to collect a debt well, we have been attempting to pay a debt - but since our initial phone call in XX/XX/XXXX after Hurricane XXXX, we have had the worst experience ever with a company who holds the  mortgage on our largest asset. YOUR ORGANIZATION SHOULD TAKE A CHAPTER FROM XXXX & CLOSE FOR AN AFTERNOON TO PROVIDE PROFESSIONAL, COURTEOUS & EDUCATIONAL TRAINING.
Consumer complaint received 2020-07-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc. (IL)

I have been trying to payoff my auto loan in full and the company refuses to take payment or send me my title. They only accept payoff payments by mail, not online or over the phone. I find it unsafe in the pandemic for me to leave my home to go to the post office. However, I did mail the check on XX/XX/XXXX and the company claims they still have not received it despite confirming I had the correct address. I can not keep waiting for my title. I can not register my car so I can park it on the street without the title. Now theyre requesting money orders in addition to the check I already sent which is highly suspicious. All I want to do it pay off my car and get my title. I spent one hour and forty minutes on the phone with them and got nowhere. Just told to wait until they deposit the check Id already sent even though I will now by late on monthly payments.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (OR)

I have a credit card with Discover. I filed a dispute on XX/XX/2022 because I received melted, broken candy and shattered glass due to the company 's ( XXXX XXXX ) poor packaging. I called XXXX XXXX and they said they would have a manager reach out to me. They never reached out until I e-mailed them 3 times. 

I finally opened a request with Discover when they only offered me a partial refund of XXXX dollars. I provided all information Discover requested, including photo documentation of the broken glass to Discover. 

The company nor Discover is willing to help me. I am a loyal customer, using my Discover card without disputes but when I finally have a problem, they don't help? I have never had such a negative experience with a bank before.
Consumer complaint received 2019-11-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I submitted a dispute on a collections account that is over 10 yrs old I dont owe the original creditor and is inaccurate reporting against me. 

Equifax said I used a credit repair company which I did not and refuses to acknowledge my complaint. They have no proof I used any company and I am willing to swear under oath I did not and they have absolved themselves of responsibility to fix the errors Reporting against me. 

My credit has suffered due to this error in reporting and I am concerned at the lack of care on the part of Equifax to fix it.
Consumer complaint received 2021-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

In the past week, Equifax, XXXX, and XXXX have dropped my credit score by more than 70 points. The " changes '' were an account that had bee fraudulently obtained was deleted from my credit report and I took advantage of the COVID relief program and modified my mortgage which resulted in a lower payment and while the costs of the modification were financed in, the loan is 80 % of the current value of the house. So I am unclear how being in a better position with a lower payment can negatively affect a credit score. 

I also fail to understand how the removal of an account that was the result of fraud can lower one 's credit score.
Consumer complaint received 2020-07-27
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (GA)

JP Morgan Chase " JPMC '' offered me a credit card through XXXX XXXX. After receiving the credit card with the promotions JPMC allowed me to make purchases, recieve promotional flight miles and pay my bill. The bill payments were on time and there were no issues with the credit crd purchases nor the payments to the creditor. After paying my initial balance I had a small balance that was paid on time as agreed. Soon thereafter, JPMC closed the account for a reason that they would not give. After multiple calls to JPMC refused to give a reason for cancelling the credit after two bill cycles and 100 % on time payments. Because of this my credit dropped, and JPMC would no longer take minimum payments as agreed in the initial contract. JPMC not only wouldn't give a reason for the cancellation of credit account they also refused to allow me to speak to anyone that would give me clear information about why this account was closed. There was no violation of the terms for the credit card, my credit worthiness had not changed in a negative direction. At this time JPMC is showing a discriminatory practice with taking away the credit that was extended and agreed upon. I believe that the demographics and my pertinent personal identifying information has caused JPMC to cancel the credit agreement. In canceling the agreement I believe the credit file should be deleted from my credit report with no traces of negative impact to my credit history, report or score.
Consumer complaint received 2022-06-16
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. (IL)

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 XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (VA)

On XX/XX/2022 I initiated a transfer from WebsterBank to my XXXXXXXX XXXX for XXXX XXXX and the mines to be deposited on XX/XX/2022. WebsterBank stated I need to verify the account which I did. On XX/XX/2022 I received an email from WebsterBank that my transfer had been stopped due to needing further verification. The amount of the transfer was XXXX. I needed to send in my most recent bank statement from XXXX and my drivers license. I sent in the following information on XX/XX/2022 at XXXX pm. On XX/XX/2022 I called WebsterBank once again to find out the status of the transfer and was told my drivers license was not sufficient. While the agent was on the phone I sent yet another picture of my drivers license in an email. The agent, XXXX, states she has received the information and will forward it to the back office. What exactly is the back office? All I know is that WebsterBamk has my money and will not send to my other savings account. This is unacceptable.
Consumer complaint received 2020-07-27
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. (NY)

Experian is reporting the same debt twice ... Once for XXXX XXXX and once for XXXX XXXX. The debt was sold from XXXX XXXX to XXXX XXXX so XXXX XXXX no longer has collection authority but the debt remains on my report under their name as well as XXXX XXXX. I have settled the debt with XXXX XXXX  and received a release letter. I have disputed this twice with Experian and they will not remove the XXXX XXXX debt.
Consumer complaint received 2020-07-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc. (CA)

2017 my medical Insurance was suppose to cover my whole procedure. XXXX did not let me know that on the day of the procedure, it was not going to cover since my medical Needed to be renewed because it had expired. XXXX still proceeded and charge me without my consent. The company I owe then came after me telling me that I owe when I Wasnt aware about my medical Been expired.
Consumer complaint received 2022-02-17
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist Bank - XXXX, NC XXXX. On XX/XX/XXXX I went to the Truist XXXX to pay off my loan balance with my existing checking account after more than 7 years of timely payments for my XXXX  year loan. The front door was locked soIi went to the drive up window. I shared my drivers license and account information and the staff member went to his terminal. The onsite personnel were unable to complete this request for over XXXX minutes ( XXXX bankers and no other customers ). After waiting patiently, i asked what was taking so long. XXXX XXXX XXXX XXXX said i could have done this online and they didn't need/want my business. The transaction was finally completed and I left frustrated and offended.
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

hi I'm just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over XXXX months, I thought I would get a response from your company after XXXX to XXXX days but it seems like you didn't take it seriously. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. I will await for your response.
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion has failed to properly verify the account in dispute and have sent a stall letter. My dispute letter wasnt sent from a third party I attached my licensed and proof of address. They are prolonging my 30 days investigation by sending them letter instead of properly validating or removing the accounts on my file
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, i was on XXXX XXXX  and i found someone selling XXXX XXXX concert tickets for XXXX $ each. I was able to negotiate it down to XXXX $ each and exchanged numbers with the individual, they called me over the phone from the following number : XXXX and told me theyd send me one ticket via XXXX XXXX, and i could send them XXXX $ and then theyd send me the second ticket via XXXX XXXX and i could send the other half of the money. the individual sent me both tickets and transferred them via XXXX XXXX. i then received a XXXX  request for XXXX XXXX which i immediately paid for. the very following morning, i realized the tickets i was sent were fakes, and the person that sold me the tickets, sold the same tickets to other people. i created another username on XXXX XXXX to contact the potential scammer and to inquire if they still had available tickets for the concert and they agreed they did have, and sent me the same tickets they sent me yesterday which i already confirmed were fakes, i immediately contacted my bank, JP morgan chase to file a charge back and dispute. My dispute number is XXXX but i was informed by the chase rep that it was likely i was not going to get my money back because there is no purchase protection on XXXX. this is very unfair as i did the responsible thing and i contacted my bank institution immediately!!!! I need and want my XXXX $ back!
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The following inquiries dont belong to me and the information is being reporting inaccurate I believe my information might have been in the wrong hands. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX would like these items removed immediately
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

So I recently purchased a 2 cars, one for my wife and one for myself ... .. now according to the fair debt collections practices act / Fair shopping, I am allowed to shop for the best rate and ALL inquiries should count as ONE, this did NOT happen ... .... EACH inquiry counted as an inquiry itself lowering my score 12 different times!!!! this is not supposed to be and I think it should be corrected THIS IS A LAW AND THEY SHOULD BE FORCED TO ABIDE BY IT
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

HSBC Bank sent us credit cards that we did not request. I called them and they said they would cancel the cards. They could not tell me who applied using our name or why they sent us cards. About two weeks later we received a welcome packet in the mail asking us to activate the cards. I called HSBC Bank again, the cards had not been cancelled. Once again, th
ey have promised to cancel the cards. This time I requested an email confirming action on there part. I will call them back if I don't receive the requested email promptly.
Consumer complaint received 2022-08-26
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$270.00} XXXX XXXXBalance XXXX {$5100.00} XXXX  XXXXBalance : {$6200.00} XXXX  XXXXBalance : {$4600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00}
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

I called TD Bank on XX/XX/22. They told me they are going to look into the fraud. They also told me to contact the XXXX to file a a fraud report. Someone opened it looks like XXXX different accounts in my name with TD bank. I received XXXX checking account booklets with checks in them and also XXXX different statements that said the account is in overdraft. Thanks XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (FL)

In dealing with Southeast Toyota Financial, I have encountered repeated inaccuracies in the reporting of my account, leading to unwarranted financial distress and a significant impact on my credit score. Despite numerous attempts to correct these errors, the issues persist, as evidenced by a series of complaints filed with the Consumer Financial Protection Bureau ( CFPB ) : XXXX for misreporting a {$0.00} balance on XXXX regarding the exercise of my right of rescission. XXXX for inaccurately reporting to XXXX that I was " Paying under a partial payment agreement. XXXX highlighting the issue of a check marked " Full and Final Settlement '' being cashed then inexplicably returned. XXXX for incorrect reporting of the last payment date on all XXXX, XXXX, and XXXX. Each complaint underscores a systemic failure to maintain accurate and fair reporting, in direct violation of the Fair Credit Reporting Act ( FCRA ). The most egregious issues involve XXXX and XXXX, where Southeast Toyota Financial has inaccurately reported my account status and balance, respectively, causing undue harm to my creditworthiness and financial stability. The current issue surrounding this complaint has to do with XXXX and XXXX. There are currently XXXX issues wrong with my credit report now. Initially, my credit report with XXXX displayed a concerning omission : it failed to list any closure date for the account in question, effectively leaving it marked as open and inaccurately reflecting my financial obligations. This oversight was later 'corrected ' to show a closure date of XXXX XXXX, 2024. However, this date is erroneous, introducing a new layer of inaccuracy to my credit history that requires immediate attention and rectification. The misrepresentation of my account 's status not only skews the portrayal of my financial activities but also unjustly impacts my creditworthiness. Furthermore, a significant discrepancy has emerged on my XXXX credit report, where the original loan balance has been inexplicably removed. This deletion has led to a drastic reduction in my credit score, plummeting by more than XXXX points. The report now erroneously indicates a balance derived from 'No Info, ' instead of reflecting the true original loan amount. This misreporting of the original balance not only distorts my credit utilization ratio but also undermines the accuracy of my credit profile. Such errors in reporting are not only misleading but also detrimental to my financial health, emphasizing the urgent need for a thorough review and correction of my credit information across all reporting bureaus.