davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-06
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. (OH)

On XX/XX/2019 XXXX XXXX XXXX placed an account of {$600.00} on my credit report from XXXX XXXX Ohio. This was not accurate. This caused my credit score to decrease by 20 points. I contacted the creditor and they removed this false account from my credit report but my score did not increase by the 20 points I lost it only went up by 1 point. This is unacceptable!! This error was not my fault. My score has suffered 19 points because of an error. How is this legal? Who else is this happening to? Why is it okay for your credit score to be effected by another companys error ... I feel my credit report should have went back up the 20 points I lost. TransUnion stated thats not how it works ... Why??? How are consumers supposed to work towards getting their credit in order if a company can just report a false account and then resolve the issue but your score is still affected??? This should not be happening ...
Consumer complaint received 2018-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (WY)

XXXX XXXX XXXX took over XXXX XXXX Loans in XX/XX/2017. Since then I have been unable to access my account. I have received no correspondence since the take over regarding my account. For over a year I have tried to log-in to my account with no success. I have also tried calling customer service. Each time I receive a message or am told that the action is unavailable and to try again later, or that my account can not be found ( See attached images ). Because of this I am unable to check my account or pay my bill. It seems like many other people are having this problem as well. I can only imagine the mess this is causing, as I have been unable to pay my student loan in over a year and have received no billing information. Something is clearly wrong here.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my consumer reports and noticed that I have three late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they would be as I was never late. Thanks
Consumer complaint received 2019-05-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

Talked to SLS today, had an attorney XXXX XXXX XXXX, helpling me but is a scam, didnt know what they submitted, then get a letter about short sale, XX/XX/XXXX then sent to them on XX/XX/XXXX no response. Talk to rep, said sale XX/XX/XXXX,  refaxed modification and removed  XXXX XXXX XXXX, but said no time?!?!? If need to short sale how can i list in 2 weeks!!! Know not an excuse but didnt sign anything with the law group, doing it on my own now.
Consumer complaint received 2019-05-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX I pulled all of my credit reports ( XXXX XXXX  and Experian ). 

On my credit reports I found each of them had three collection accounts from a XXXX XXXX XXXX. 

I reached out to XXXX XXXX XXXX and asked for an explanation and asked for verification. During this process I also advised XXXX XXXX   XXXX to send me some sort of verification of the debt ( s ). Date of transaction, what type of transaction or service, where the service was  performed and by who. I asked for this information to be sent to me within five business days. 

XXXX never sent me anything. Nothing at all. 

So naturally I disputed these collections with each credit bureau. I did this on XX/XX/XXXX with all reporting bureaus. 

XXXX AND XXXX both deleted the collection accounts as they were unverifiable. 

Experian, however, stated the dispute is valid and that the data furnished sent them proof. Funny, the other bureaus deleted it and yet someone how Experian validated it. 

When I called into Experian to ask for proof of validation they sent me to a supervisor named XXXX XXXX. XXXX returned my call on XX/XX/XXXX at XXXX XXXX   CDT. 

During this call I asked again for proof from the data furnisher to Experian that somehow proved and validated his debt. 

To say XXXX was apathetic would be an understatement. What XXXX advised me was, on a recorded call, to contact XXXX XXXX XXXX and request it. 

You know, thats hard to do when Ive already did that in the first place and they were unable to provide one single document. Additionally, Experian is the one who apparently said its validated and yet wont provide the proof. 

Experian, going on my experience with these things, never validated anything. They sent some form letter which required no actual proof ( maybe they didnt even do that ). 

I asked for XXXX XXXX supervisor at which point he told me this doesnt count for someone above me to look at.. then he promptly hung up the phone. 

XXXX DIRECT number is : XXXX ( XXXX ) XXXX I know my rights and I know Experian has violated them. 

This is unacceptable. These bureaus, especially Experian are notorious for believing they are above the law and that they can trample on anyone with no recourse. 

They should pay fines for every single day my credit is effected. Im currently trying to lock down a mortgage and this is hurting me! Direct from the lenders mouth. 

This needs to be taken care of at once.
Consumer complaint received 2018-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: KEYCORP (MA)

The phone number provided on my statements from Key Bank are not accurate. I have to call every month to make my payments, and the number provided of XXXX is not a valid phone to reach them. When I call that number it says that this number is no longer in service and I am provided another number to call. I call that number, I have to provide my information and then I am transferred to another party where I am again asked the same information. I have provided them images of the incorrect statements and the number still remains to be incorrect on the monthly statements. This makes it extremely difficult to pay my loans in a timely fashion if the information being provided by the company to make payments is inaccurate.
Consumer complaint received 2018-09-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My husband and I have a joint money market account with Capital One ( for years ) with a balance just under {$20000.00}. It was paying us .30 % interest rate. I was surfing the Internet for a higher rate, and noticed Capital One is offering 1.85 % on money market accounts. I phoned them to find out why they were advertising this high rate and paying us a much lower rate on the same type of account. They gave me a very vague response about how one was 'national ' and one was 'retail ', but nothing on their online advertisement or on my own account indicated any distinction between national or retail. I spoke to three different people who kept transferring me around and providing vague responses to my pointed questions ( I am an attorney ) and one of them said I could open a new account for the higher rate and fund it with the current  account. However, their system kept claiming there was a security issue, and the representative said she texted me a code to use to 'get around the security issue '. However, she refused to resolve this issue, as did the next representative, cutting me off instead. I phoned back several times, same problem and no resolution. Basically, I caught them red-handed and called them on it, and they had no honest response. I think the government should examine this issue as I believe it is consumer fraud. I often have companies phone me to offer me a better rate on my current account, such as credit card companies upgrading me to a better plan, or phone companies offering a better service, so why is Capital One advertising 1.85 % on money market accounts but not paying their customers this rate? There was nothing in their ad about only for new customers either, it was 'this is what we pay '. Please investigate.
Consumer complaint received 2018-09-10
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: FIRST NATIONAL BANK OF OMAHA (CA)

I have lodged disputes with XXXX XXXX, First National Bank of Omaha, and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OR)

XXXX stopped my automatic payment for some reason. I noticed in XXXX that XXXX had not been paid. So I mad a double payment ( XXXX XXXX ) plus {$400.00}. For a total of XXXX I checked on XX/XX/XXXX and the website showed I was delinquent for XXXX. I called and was told by XXXX the funds were in suspense and it would take about 4 days to allocate the funds. On XX/XX/XXXX, it still showed I was delinquent for XXXX. I called and an XXXX said it would take a few days. I emailed XX/XX/XXXX and recapped what had happen and that I was going to call my attorney if it was corrected by XX/XX/XXXX. My attorney instructed me to file with you. Attached is the email that I sent my attorney for his records.
Consumer complaint received 2018-09-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (FL)

I went to the dealership, XXXX XXXX, terms of the loan were for XXXX for 5 years at approx 10 % interest with one bank, for a XXXX XXXX XXXX XXXX, payments of around {$260.00} a month. I believe it was XXXX ( I have the terms in hard copy somewhere, just need to dig them up, which is why they are not attached now ), with the dealer paying off the remaining balance we owed with Santander Consumer USA on our XXXX XXXX XXXX XXXX XXXX. Santander kept calling me for approx 2 weeks after the deal was closed. I called the dealership to ask why the old bank had not been paid off, they said I needed to come in and talk in person. When I went in, I was told TWO WEEKS AFTER THE DEAL WAS DONE that XXXX had denied my credit application, and that I was being placed with Santander, at an interest rate of 19.5 %, pushing my payments form {$260.00} to {$310.00}, a {$45.00} difference. At the time I was working and healthy, which was back in XX/XX/2013, but now I am sick, in and out of work on disability, and have had the vehicle repossessed once already after coming back to work from XXXX XXXX XXXX. A {$45.00} bump in the payment each month is catastrophic, plus Santander keeps saying there is nothing they can do for me.
Consumer complaint received 2022-07-10
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)

I sent this letter XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This XXXX Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. Transunion is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 
XXXX XXXX  XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5000.00} {$5000.00} {$5000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$5000.00} Credit Limit : {$5000.00} {$5000.00} {$0.00} Past Due : {$5000.00} {$5000.00} {$5000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Line of credit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TN)

Good Afternoon, I first learned about the debit on my credit report as I was under the assumption this was my ex wifes debit. After learning that we are both responsible I contacted the company at Hunter Warfield to find a settlement. I asked for my account number & pin number and was told I didn't have one the first time called back 2nd time and had to speak to the gentleman several times in order to be provided it. Then after I told them how much we had to settle he proceeded with a counter offer and I asked him to please provide the settlement in writing so that I know that it is a legit and I would be protected before providing my card number. He refused to provide me the offer in writting and then said if I don't pay right now I will owe the whole amount. He has not stopped calling me even though I continue to tell them I want to pay I want to accept the settlement offer but, I need to have something in writing that by pay this settlement amount I will be paid in full. They still refuse.
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

American Express is taking advantage of its customers. 

They sent an email that if I dont pay XXXX $ they would lower my credit limit. I am not over the limit and I pay at least the minimum on my bill on time every month. 

The problem is some people dont have XXXX $ lying around and further more this particular account is a regular account and not one of those that they monitor without the spending limit. 

They just did this exact thing to my business account. 

They lowered the credit limit below my actual account balance making me responsible for {$3500.00} ( this is a separate account ). There has to be a violation of consumers rights by doing so.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

XXXX XXXX tried taking payment from an account number not submitted. Sent us to our bank twice stating it was my banks fault, then said I miss typed the information. This is the second loan with this company. Both loans have never been late, and paid before and after this happened in XXXX of XXXX from the same account. Tried paying the payment 3 times in XX/XX/year> all returned because it was someone elses account they tried taking the funds from at another bank. They refused to fix it when On XX/XX/XXXX the payment from same account always used on both accounts went through. Their own recording said they had posting issues please bear with us. They refuse to fix the 30 day late on credit report.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

Company : XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Tx XXXX Phone ; XXXX XXXX Debt collector company reach me attempt to collect a debt to First Cash File number XXXX I make a payment arrangement with them and I paid them XXXX. XXXX to charge off XXXX. I try to reach them back i never get the communication, they do not sent me the receipt the same day until I contact them and I leave a voice mail because they never answer the phone. I suppose to paid XXXX on the XXXX but I do not paid because when I try to reach this company nobody answer. I try to many time to reach them back I never get a respond. I get bad vibes, I look online I don't find this company online look by the phone and people talk about this is a scam. They call me back today XXXX because they can not process the amount of XXXX. I explain everything to XXXX that is the name of the person that call me. She gave me the website but I never find that website ; XXXX. We have a little discussion but I do not want to continue with this so I hang up. That's why im making this complain. To see if this company can check if this is true or is a scam. Also help other with my experience.
Consumer complaint received 2018-09-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Northwood Asset Management Group (IN)

The original creditor, XXXX XXXX XXXX charged off the debt and sold it to XXXX XXXX XXXX. Who then hired a third party, Northwood Asset Management Group to collect the debt. Mr. XXXX of Northwood Asset Management Group threatened me with criminal fraud charges if I did not pay either the full amount today or make arrangements today. They did get my debit card # information with the arrangements. But then, I started questioning whether they can do that to get their money. Thats not legal, after speaking with a consumer protection attorney in my state. I feel this debt collector broke federal law and wish for them to be pursued for their actions. Also, when I told them I could only afford $ XXXX/month, they refused that amount and forced me to pay them $ XXXX/month to keep from being criminally prosecuted. Which is illegal, also.
Consumer complaint received 2018-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Despite numerous certified letters sent to the credit bureaus and debt collector referenced below, I can't seem to get any resolution on this debt they say I owe of XXXX. I requested proper debt verification via certified letters on XX/XX/2018 and XX/XX/2018 and the only thing I have received is a statement of balances but nothing baring my signature. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper verification is shown. The FDCPA is clear in section 807-8 and the FCRA in section 623-b as to how debt collectors are to verify debt with consumers. XXXX XXXX is not following the law by not providing proper verification to consumers in which they wish to collect from. I request that this negative item be removed from my credit reports due to XXXX XXXX not providing me with proper verification.
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC Mastercard On XX/XX/2018, I made an electronic payment {$1800.00} to HSBC and On XX/XX/2018, the payment cleared my bank. This brought my balance to XXXX. 

On XX/XX/2018, I tried using my credit card and a charge of {$87.00} ( XXXX XXXX ) was denied. 

When I contacted them, they explained that the payment I made was being held for 2 weeks. 

This was very poor customer service, appears to be unfair and a illegal business practice. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (MA)

I purchased a XXXX that I had as a lease. 
I used JP Morgan Chase to finance the purchase with a first payment date of XX/XX/19. 
I paid {$800.00} by phone on the XXXX of XXXX for the XXXX payment. 
In XXXX I paid {$800.00} by phone on the XXXX for the XXXX payment. 
When I went into make the XX/XX/XXXX payment it showed a balance due of {$1600.00}. 
I had not received any emails or phone calls that any issues existed. 
When I called them about the {$1600.00} due - they discovered that the customer service rep had written down the wrong account number therefore the payment was reversed XXXX XXXX 

In the process Chase has reported me late on my auto loan which has caused my credit score to drop XXXX points!!! I am in the process of qualifying for a new home purchase. This could not have happened at a worse time.