davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I 'm constantly being harassed and sought after over a debt that is not mine! I have disputed many of times and have been sent everything but a contract and proof of identification stating that the debt is mine!! This debt is not mine and I will like it removed from all credit bureaus!
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I went to make disputes on my credit report and Experian is refusing me access asking me to download postal mail in a form to have a postally mailed credit report sent to me so I can mail it back to them and dispute. They are making it difficult to be able to make disputes on my electronically received credit report I just got XXXX XXXX efforts and not removing errors that have been removed from other credit reporting companies. Effectively keeping my A+ credit looking very damaged at this own XXXX reporting company and its costing me a lot of money and time in many ways
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC (MI)

The Maury Cobb Attorney firm is responsible for collecting a cell phone debt that I have with XXXX. When I left XXXX, I was told by the XXXX representative that as long as I paid {$30.00} per month, my account would not go into collections. This did not turn out to be the case. A representative from the Maury Cobb Attorney 's office has been calling myself ( XXXX ) and my wife ( XXXX ) a minimum of once but usually two times every day despite having setup a the same payment plan of {$30.00} per month with them.
I had the conversation with two different representatives regarding my payment plan over a two week period. I asked the second one if they were planning to continue calling me even though we set up a payment plan. Their response was yes. At this point, I informed the individual that I did not intend to answer any additional phone calls from the law firm as I am paying my bill as agreed. They stopped calling for a couple of days, but then have started back to calling at least once per day. Calling both myself and my wife daily at least once but usually twice seems like it would categorized as harassment. I hope that you can help me out with this matter. Here are some of the phone numbers that call me daily : XXXX, XXXX,
Consumer complaint received 2017-10-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY (TX)

my vehicle was repossessed by TD auto finance. I was behind granted due to some financial issues. I had tried previously to speak with reps about a deferment and said I could n't have one nor do a repayment plan. after they picked up my car I asked if I could just pay what was past due and hold off on the late charges. one rep stated that I could n't so I asked to speak with the manager she gave me a supervisor. he said no as well. I called the next day to try again. I spoke with a girl name XXXX and she did try but said no one was there for me to speak with. I called back and got the same rep back from the previous day she said no and would n't allow me to speak with a manager. I asked for the manager name and she told me they do n't give out that information. she hung up on me. then I spoke with another guy named XXXX I asked to speak with a supervisor again. he said that I had already spoke with one and the answer is no. I asked him why was up raising his voice. he stated to me that I was lying on people and he said he was going to hang up so he did. I was treated very unfair by them. then after I had to beg people for the money to pick it up I had to pay addiontional fee on top of the money I had already paid td auto finance to get it back. after I paid td I had to call hide and seek recovery not know I had to make an appointment with them to get my car. they did n't want to release it. they wanted me to wait an additional day on top of what I had paid to be charged more money. I adv the lady I spoke with that I had no other way to come back to XXXX, texas if I did n't have a car. they finally gave it to me. I did n't appreciate how td auto finance handled their end. just because a person is down on their luck does n't give you the right to be rude. also they would n't provide me with any docs showing what I paid
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (FL)

On XX/XX/XXXX, I paid off my car loan ( XX/XX/XXXX {$410000.00} ). After that, the automatic debit charged XXXX more payments on the car ( XXXX, and XX/XX/XXXX each {$20000.00} ). When I found out, I took it off automatic debit so they wouldn't charge me any more installments. Since XX/XX/XXXX, I have been trying to get this money back and have not been successful.
Consumer complaint received 2024-02-19
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TN)

I applied for a no interest credit card and was turned down. I got my credit report and I have a lot of good credit on it. One thing my life time Insurance co was supposed to have paid was on it, it that was 2011. The company is taking care of it. But I have cards from Citi that do not have abalace. I ca n't believe they turned me down.
Consumer complaint received 2017-08-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sarma (FL)

today i received from my credit monitoring an email that stated i have agreed to a new inquiries on my credit report when in fact i have no notice at all. on all three credit company 's.
New Inquiries Inquiries that were generated when you authorized a company to request a copy of your credit report.
XXXX XXXX XXXX XX/XX/2017 Date Reported : XX/XX/2017 Business Name : SARMA - MORTGAGE DEPARTMENT XX/XX/2017 Date Reported : Business Name : SARMANCS XX/XX/2017 Date Reported : XX/XX/2017  Business Name : SARMA NCS
Consumer complaint received 2016-08-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

i went to bank of America and was not treated with dig nity and respect. I did n't get anything resolved, and as I was talking to the representive and when another rep presentive came up and stated that her XXXX app ointment was there and it was though I did n't matter. 
As a consumer customer or client of bank of America I did n't matter. I was put off as though her appointmen t was more then I was and at that point I left bank of America without my issue resolved or answered. 
plus money was token out of my account and that I was being charged for over draft protection and XXXX hen I was told that my over draft protection would be free and that my monthly withdraw out of my checking account into my savings of which had been changed from out of my savings, into my checking. when that was n't my agreement of my contract.
Consumer complaint received 2017-10-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (GA)

Phone number XXXX has called my phone repeatedly and asked for a specific person. 
They will not identify who they are, their company name, what the call is in reference to ; they only state, " this is an important business matter ''. 
I called the number back and the recording says " XXXX XXXX, XXXX ''. 
I spoke to an operator and asked for the address of the company, the name of the company, the phone number, names of supervisors, etc. 
The gentleman that answered refused to tell me anything unless I gave him my phone number. 

I believe this is an identity theft scam. The name they have is one that was changed decades ago and only someone that does not really know the circumstances of the name change would continue to use that name.
Consumer complaint received 2022-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (VA)

We pay into an escrow account for taxes and insurance. Our lender and their tax escrow company constantly pay our real estate taxes late incurring penalty. We get notified by the County the taxes were not paid via a late notice saying our taxes will be sold for for nonpayment. The lender servicing our loan Regions Mortgage will not take any calls. Only e-mail which they do not respond to or submissions via their public facing servicing portal. For the last 2 years we have had to constantly submit past due notices to them via their portal. They only pay the taxes after we contact them to pay it and submit the late notice to them via their portal proving they never paid it. What we recently learned is that Regions XXXX XXXX XXXX provider XXXX  is not paying the taxes on time. We pay our mortgage on time, they have teh money in the escrow account, they need to pay our taxes on time. Both Regions and XXXX are in violation of teh escrow agreement we had to sign. Constantly paying late and then paying the applicable late fees is not an acceptable practice. It is just a matter of time before something goes wrong and our taxes get sold at a tax sale.
Consumer complaint received 2017-10-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC (OK)

I have been receiving phone calls from this number multiple times. When I pick up, they do n't say anything and hang up. I called back today and asked them why they keep calling. The gentleman kept saying they do n't have any information on the account, so I asked him to put me on their do not call list. He said he would be more than happy to do that, but they do n't have any information on the account. It all felt a little scammy to me, so I hung up without giving any information to this person about myself beyond the number they were attempting to reach.
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (OR)

When I log into the Chase Sapphire Visa website, the total " Pending Charges '' amount displayed is inaccurate. If you add up the itemized pending charges, they total more than the " Pending Charges '' amount displayed by Chase. For example, on XX/XX/XXXX, the web site displayed my total " Pending Charges '' as {$730.00} but the itemized charges listed below that number actually total {$1700.00}. Please see attached screen shot. I contacted Chase about this issue at XXXX on XX/XX/XXXX at XXXX.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2021, I landed at XXXX XXXX XXXX XXXX in XXXX XXXX. I attempted to withdraw cash from the ATM at XXXX bank at that airport using my debit card from Bank of America. 

The ATM did not dispense the cash, and I ended up exchanging some dollars at a cash exchange business nearby at the same airport. 

When I came back to the United States after vacation and reviewed my bank statement, I noticed XXXX had charged me {$320.00} plus {$5.00} ATM fee. I immediately started a transaction dispute with Bank of America about the fraudulent charge on my statement. 

Bank of America investigated and declined my dispute, citing I used my card to withdraw money. 

This is not fair.
Consumer complaint received 2022-09-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

XX/XX/2021 partial payment was made to NewRez they put a 30 day late notice on my credit report even though they accepted my partial payment. It was not late just not full amount paid and the full amount was made right at the 30 day mark. Please remove the 30 day late payment off credit report. NewRez policy is not fair and they should not have accepted a partial payment and then get me for 30 day late. Their statements are also confusing and amounts changed a few times, late fees applied where not warranted. My bank statement shows payment
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (HI)

I have recently disputed my dismissed XXXX from EX and they 've deleted it! But it 's still being reported by these XXXX XXXX XXXX XXXX XXXX ... Attached to this is proof that this was deleted as of XXXX XXXX XXXX. Please follow suit and delete this for accurate reporting. It must be deleted in order to show my true credit history.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (IL)

I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX. This creditor/credit collection agency is fraudulently reporting this collection to my credit report since I have never signed any contract or been in any agreement with the company. I also have reason to believe that this company may not be licensed to do business in the state of Illinois. This information should be removed from my credit report immediately.
Consumer complaint received 2015-03-31
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (AZ)

I received a Synchrony Bank Credit Card in XXXX, and signed up to pay online from my checking account at another bank. I do this with all of my credit cards, and have been doing it for at least five years -- without any problem. 
I thought I made an online payment on XXXX XXXX ( due date was XXXX XXXX ), and received an acknowledgement email, which I did n't look at too closely. When I got an email today that said I had not paid yet, I looked at the acknowledgement email, and saw that it had *scheduled my payment for the due date. * I would never do this purposely, and when I went online to see the scheduled transaction, I saw that it defaults automatically to the due date, not the date posted ( or the next day ). To make sure that this was not something I had done, I cancelled the payment and then clicked the " Make a Payment '' again. The page I am attaching is a picture of the Payment Page on the webpage that shows the default payment date ( the due date ) and the note the bank includes about what happens when payments are made on the due date. 
I believe that this is a deceptive practice, and that the bank should not be allowed to keep this practice. Many thanks for allowing me to report it.
Consumer complaint received 2017-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

Specialized loan servicing lost our XX/XX/XXXX payment. Since then, they have perpetually been falsely reporting our account as 30 days late. Each month 's payment has been applied to the previous month, while the current month was marked late. We reported this to you and it was investigated. As a result of the investigation, Specialized Loan Servicing sent us a letter acknowledging that they misapplied our XXXX payment, but they are still reporting us as 30 days late to the credit agencies. 

Attached is proof of on-time payment for every month since Specialized Loan Servicing acquired our account ( XX/XX/XXXX-XX/XX/XXXX ). Also attached is the referenced letter from Specialized Loan servicing acknowledging that they had mis-allocated our XXXX payment. In this letter they continue to falsely claim that we are behind on our payments, even though we had already made our XXXX payment as of the date of the letter.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (OH)

On XXXX, XXXX I received my XXXX XXXX to my Money Lion XXXX XXXX  account in the amount of {$520.00}. On XX/XX/XXXX, I lost my phone and then shortly after was XXXX .These funds were debited on XX/XX/XXXX and I was currently XXXX at the time this unauthorized transaction to an unknown XXXX XXXX occurred. When I got out on XX/XX/XXXX, I opened my mail and had a letter from the IRS stating that my funds were deposited to that account. I get on my XXXX XXXX online banking and see they were there but were gone. I instantly filled out the written dispute form and submitted it to Money Lion at XXXX on XX/XX/21. So after 10 days goes by and Im due for my provisional credit on XX/XX/21, I called into Money Lion and during the call/calls I was lied to and hung up on by a XXXX, I was told that they are still waiting on a update from the dispute department and they would escalate my issue. I receive an email on XXXX from a customer advocacy XXXX at Money Lion stating that they are actually closing my account and Im no longer eligible for one. So they violated XXXX XXXX and didnt provide me the credit they are federally required to do if they couldnt complete their investigation. And on top of that because I proved a XXXX  wrong saying that a provisional credit isnt mandatory, when it is in the circumstances. They closed my account and now Im out of my money. I want my money returned. Any time someone disputes anything with them its a headache receiving your money back.
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (CA)

I was in an XXXX heading home after a night out in XXXX XXXX in the early morning of XX/XX/XXXX. I have a phone / wallet with all my of ids and cards inside the wallet. I left my phone / wallet in the XXXX and it was stolen. The next morning, I looked at the account and someone tried to charge a ridiculous amount to my Chime credit card. Upon further review I see that someone spent money at the XXXX hotel and on gas that was not me the morning of XX/XX/XXXX. 

I reached out to Chime to complain and filed a dispute : Account Ending In : XXXX Claim ID : XXXX Date Error Reported : XX/XX/2021 Claim Total : {$190.00} They came to the following conclusion : Investigation Results We reviewed your claim and have determined that there was no error that occurred based on the following : -With manual funding prior and after the disputed timeframe. 
-With valid transaction from merchant GUEST HOUSE in between the disputed transactions -The valid transaction from merchant Guest house was 10 minutes away from the location of disputed merchant XXXX XXXX Dining. ( Within your vicinity ) -We have determined that theres no fraud alert captured by the system during the disputed transaction The investigation made no sense to me because if someone stole my physical card, of course they would conduct transactions that would be close to each other.
Consumer complaint received 2022-09-08
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: GOLDMAN SACHS BANK USA (FL)

I got an email saying that i got an inquiry from Golman sachs for new credit but i did not apply for new credit nor did I authorize this. I called trying to get it remove they said they do not see anything
Consumer complaint received 2017-10-20
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. (ME)

I contacted XXXX Transunion to dispute errors on my credit report some of them are extremely damaging negative information that is falsely reporting as derogatory or negative and was paid as agreed, transferred, and closed, never late and are too old to report anyway. I am showing 46 payments ever late because of it and it should be at least 10 or less maybe 0. There are several erroneous duplicate accounts showing before actual loan date was established as actual loan there was only 1 loan and the loan was paid as agreed transferred and closed is from XXXX and needs to be deleted. The actual consolidated loan from XXXX XXXX XXXX XXXX XXXX after XXXX XXXX XXXX is a {$50.00} a month payment for 10 months showing paid as agreed, transferred and closed as of XXXX XXXX. I am trying to correct payments ever late and length of credit from 12 years to 16 yrs. since the actual span of credit is 16 yrs. not 12. This should be reporting since they have record of my paid as agreed katahdin loan from XXXX but it still reports only 12 due to error. This is negatively affecting my credit score and needs to be adjusted immediately. When calling their customer service I am not able to successfully correct or dispute payments ever late or length of credit. I have also written a mailed dispute form requesting these changes and the removal of the accounts that are fraudulent too old to report are showing negative when paid as agreed and are erroneously duplicated with dates before the actual loan date came into affect. I sent a dispute to transunion at least 5 months ago and have not received a response or any changes to my information.When attempting to call their trueidentity transunion lines I end up with interception, unwanted listeners and am unsuccessful at filing the dispute or making changes over the phone.
Consumer complaint received 2021-02-19
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. (CA)

On my Experian credit report, it shows XXXX as the merchant with no telephone number. I reported it fraud to XXXX  and XXXX  which they removed it promptly, but Experian won't. I have no idea who XXXX  is nor do I have any means to contact them. Bottom line, it is a fraudulent account and I demand it to be removed. 

On my Experian credit report, it shows XXXX XXXX that is in a charge off status. I reported it as fraudulent to all three credit bureaus which XXXX  and XXXX  removed it, but Experian did not. I have no idea who's account this is and I demand it to be removed.