davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

Spoke to customer service with my mortgage servicer XX/XX/2021, I was told my request for mortgage assistance was still being processed but they had not postponed the property foreclosure sale date for my property. I was informed by customer service Carrington Mortgage, sale date would be postponed while the mortgage assistance request was being processed. I'm being given misleading information by Carrington.
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My problem is BOA said they sent me the {$300.00} check twice since XXXX but I didnt receive it till XXXX. 
My credit card is a deposit credit card. 
XXXX I lowered my credit from {$1500.00} to {$1200.00}, so BOA should return {$300.00} to me. They told me it would be returned to my check account. 
Until XXXX, I didnt receive the refund so I called BOA. And I confirmed that it would be returned to my check account. 
Until XXXX, I still didnt receive the money so I called Boa again. This time they told me they sent a check to my address XXXX address A ). But I no longer live at that place so I updated my new address XXXX address B ) and asked them to send it again. This is their first faultthey told me they would return money to my check account but actually they sent me a check without informing me. 
Until XXXX, I still didnt receive the money so I called Boa again. They said they knew nothing about where was the check. The only thing they can do is to resend the check. I agreed. 
Until XXXX, I still didnt receive the money so I called Boa again. They told me they sent the check on XXXX but they could not provide any tracking number so I didnt know if they really sent the check. I asked them to send me the check using anything that can track but they refused. They refused to provide further help. The only thing they were willing to do was to resend the check. I agreed. 
Until XXXX, I still didnt receive the {$300.00}. 
Its been nearly a year since I asked for returning my {$300.00} collateral. 
Actually, they provide delivery service to other customers. But BOA refused to send ups or XXXX to me even I waited for nearly a year. Since they could not provide the tracking number, I doubted they never sent the check to my address B. 
The address has no problem. I could receive other letters and checks.
Consumer complaint received 2024-03-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MD)

My family received two American Express prepaid gift cards as holiday gits from an employer, one for {$200.00} and one for {$100.00}. They appear to be impossible to use online. I have tried them at XXXX and XXXX, to pay utility bills, and for various other purchases. I can't add them to my XXXX or XXXX wallets. Online research -- which has taken hours -- shows that there is perhaps one online store that accepts them, and that the alternative is to try in-person purchases of other vendors ' gift cards. 

The Amex gift card website says they are " widely accepted '' with an " add to mobile wallet '' graphic but has no instructions on how to do either, or names of companies that accept the card.
Consumer complaint received 2022-09-16
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. (PA)

respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment I keep immaculate records of payment history a crossed all my bills and accounts, and there should be no late payments showing here. 
Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 
I take this very seriously and I would appreciate it if you remove the late payment marks off this
Consumer complaint received 2021-05-03
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: EQUIFAX, INC. (NC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-01-29
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: Mid-Atlantic Finance Co., Inc. (OH)

Mid Atlantic Financial is reporting to my credit. They have be asked several times to furnish via FTC and myself to provide documentation they have not complied with this lawful order. The company is in violation of Unfair deceptive debt collection practices for failure to comply with the FTC notice to furnish and continuing to report to all three credit bureaus and will not supply the documents requested. Per FTC regulations they have 30days to supply documentation they refuse. Company was notified of identity theft XXXX/2020. This is not a duplicate complaint this company continues to report resulting in valid use of the CFPB processes.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

Purchase made from Ashley Furniture ; particular furniture was to be back ordered XXXX months. To date ( approx 1 year ) furniture has not been received and an amount of XXXX had been held on my account. Calling Synchrony Bank has not helped and they have told me it will take 90 days to dispute and that they have no history of this transaction.
Consumer complaint received 2024-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CO)

For the past XXXX months, I have paid my student loans and received confirmation of payment. Each time, AidVantage has " reversed '' the payment. Now I am XXXX months delinquent and they will not accept payment. My bank account and routing number are correct with Advantage and successful payments have gone through using those same credentials in 2023. As a result, I am incurring unnecessary interest. I have submitted claims to advantage customer service and I do not receive a response. I have called but the wait time is over XXXX hours each time and they do not call back. I believe this is a ploy on behalf o the company to obtain more money from interest.
Consumer complaint received 2019-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

My biggest problem is the predatory nature of Santander Bank. I was told many months ago that my bill was current when it wasn't. This combined with the insanely high interest rate means that I have been paying a ton on interest. 

I owe {$10000.00} on the car, and it's maybe worth $ XXXX- {$1500.00} at best. I would like to explore any available options so that I can be done with this vehicle. 

Santander customer service agents have not been very helpful at all to me when going through this situation. I would recommend that nobody take a loan out with this bank for any reason.
Consumer complaint received 2019-08-02
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. (UT)

Remove CHAPTER XXXX BANKRUPTCY : BANKRUPTCY XXXX. The court itself do not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I have recently been informed that there is a negative information reported by XXXX, Experian XXXX XXXX  in the file they maintain under my social security number. 
I challenge the accuracy and compliance of this listing. I have requested that the reporting company verify the accuracy of the information disputed, but failed.. I request that you take further action. Either send me evidentiary documentation supporting your verification or delete the accounts from my credit report within thirty days XXXX XXXX XXXX reported as 30-60 days late, XXXX XXXX XXXX  ( transferred/sold account ), XXXX - reported charge off, XXXX XXXX - reported closed/late account, XXXX reported as open an account/transferred
Consumer complaint received 2021-11-10
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: SYNCHRONY FINANCIAL (CA)

I am XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the several previous written requests, the inaccurate account, SYNCB/CARE CREDIT, still remains on my credit report in violation of Federal Law. They neglected to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-01-29
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. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2022-02-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have disputed XXXX ( XXXX ) accounts with Equifax and XXXX for over XXXX ( XXXX ) months. 

XXXX. Equifax : XXXX XXXX XXXX XXXX for {$100.00} XXXX Credit XXXX XXXX XXXX account number XXXX These accounts are being furnished inaccurately and do not belong to me or my credit report. My disputes are being ignored.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MI)

I have requested multiple times to receive old savings bank statement from Chase Bank. As per Chase Bank website, the request was placed, and stated they will be sent. However, they were not sent, even beyond the stated time frame. The same request was requested multiple times online by secure messaging, and by phone call to their customer service. The response is essentially the same, that they will be sent. However, they were never sent. The original request was made on XX/XX/21. I believe that Chase Bank is either irresponsible, incompetent, or just lying.
Consumer complaint received 2022-02-18
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. (CA)

Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX  ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX BANK ( Finance ) XXXX XXXX XXXXXXXX NA ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX ( Bank XXXX XXXX
Consumer complaint received 2021-11-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TN)

XX/XX/2019 Midland Credit Management took me to court but we worked out an arrangement and now they trying to add more money because I was paying the {$100.00} a month. Now they are taking me back to court again and put it back on my credit report like I was not paying them. They have been calling me none stop.
Consumer complaint received 2021-11-10
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: Experian Information Solutions Inc. (FL)

On XX/XX/2021 The XXXX XXXX XXXX XXXX report to Experian a False and inaccurate address in wich I never leave and the other problem was that the XXXX XXXX XXXX never sent me a notification of such collection From XXXX XXXX  of a collection of XXXX XXXX XXXX
Consumer complaint received 2021-02-04
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. (GA)

I have reached out to XXXXXXXX XXXX  to correct their reporting data to show my account was not past due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My account was approved to be in forebearance under the CARES ACT and XXXXXXXX XXXX  advised me that the payments will not be reported to the credit bureau as late payments while under this program. XXXXXXXX XXXX in turn did report my account as 90 days and 120 days late to the credit bureaus for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I disputed the items directly to the credit bureaus and as of XX/XX/XXXX XXXXXXXX XXXX continues to report as late payments for this timeframe. I reached out the XXXX XXXX around XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX ( Supervisor ) advised they would correct the inaccurate reporting. XXXX ( Supervisor ) call me around XX/XX/XXXX or XX/XX/XXXX to advise she would correct the reporting by sending the correct information to the credit bureaus. She even emailed me a letter from XXXXXXXX XXXX stating the information was inaccurate and should be removed from my credit report. I have a copy of the letter. My chief concern is that even after XXXXXXXX XXXX  assured me they would rectify the inaccurate reporting, the credit bureaus still to this day are receiving information back from XXXX XXXX that my account is 90 days and 120 days past due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXXXXXX XXXX  must immediately correct their system and update the credit bureaus. Due to this inaccurate reporting, I was denied for a mortgage. I am beyond frustrated with XXXX XXXX and wish that they correct their errors.
Consumer complaint received 2021-02-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NC)

I had a account with Simple.com bank and opened a protected goal account with them. I closed the account in XX/XX/XXXX. 

I received a interested earned 1099-INT statement for them in XX/XX/XXXX. To confirm the interest amount, I wanted to check my statements.When I went online there was no statements for this account. 

There is no direct call number on their website. I send email to support mail box and there is no reply for 7 days. 

I called BBVA bank from whom I got the 1099-INT statement. They transferred me to Simple call center and then after 1 hr waiting they send me some statement which was XXXX and not complete. 

As per that statement interest payment is not tallying and also balances are not tallying.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (KS)

As of XX/XX/2024, Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal, and non-verbal per 15 U.S.C 6802. Also, I've included 16 CFR 313.7
Consumer complaint received 2023-03-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

I have been paying the loan as scheduled never having a late payment. I have call serval times to try to refinance the loan and every time I call they response with I am not eligible. 
I have also asked for other types of help and they just didnt have anything to offer me.
Consumer complaint received 2018-06-05
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. (VA)

On XX/XX/31, my card was declined at the grocery store. I called Chase and they told me they closed my account due to another account closure. They were very vague and wouldn't give me a direct reason. They also said that I can never open the account ever again and that the decision was final. This is the only credit card I have had with Chase for 4 years and 5 months. No other accounts with them. I always pay my balance in full on time for the 4 years and 5 months.
Consumer complaint received 2023-03-02
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: Dovenmuehle Mortgage, Inc. (CO)

They have given me 14 lates on my credit report. We were informed they can not report late while in loss mitigation and XXXX, XXXX, XXXX, XXXX, and XXXX payments were never late and having proof we sent on time and they are still reporting us late. I have been fighting this for the past 6 months and the mortgage company will not correct these incorrect reporting. 
I have proof of everything as well.
Consumer complaint received 2021-02-04
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: EQUIFAX, INC. (TX)

I went to court and hired an attorney to settle the debt. I have copies of the mediation and settlement agreement and Equifax is still reporting it on my credit. I have attached copies of the settlement documents as proof in my file. Equifax is abusing its credit bureau priviliges against consumers in an effort to get money out of them and still not doing their part in holding up to their agreement. Equifax needs to block them in e-oscar so they will not be able to hurt the public and continue to manipulate consumers.
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (IL)

Subject : Complaint against XXXX XXXX of XXXX XXXX and Acura Financial Services Regarding my Lease Agreement for a XXXX XXXX XXXX SH-AWD w/Technology Package on XXXX XXXX Summary : XXXX XXXX of XXXX XXXX and Acura Financial Services violated the Truth in Lending Act when they withheld disclosure of additional charges pertaining to my lease of the XXXX XXXX XXXX. The additional charge of approximately XXXX was added to the Rent Charge. This undisclosed charge increased my monthly payment form approximately XXXX to XXXX ; and it significantly reduced the 14 % discount that we negotiated. I did not receive written disclosure of this additional cost before signing the Lease Agreement, and there was no verbal disclosure to me by the following employees of XXXX XXXX who assisted me with the purchase process : Mr. XXXX XXXX ( Internet Sales Specialist ) whom I received an email from promoting their end of the month sales special with up to 15 % off New RDXs ; Mr. XXXX XXXX ( Sales Manager ) who negotiated the details and terms of the lease ; or Ms. XXXX XXXX ( Finance Manager ) who reviewed the terms and the completion of the Lease Agreement with me. I was denied the ability to accurately evaluate the true value of the negotiated discount price for the vehicle because the details of the undisclosed cost ( rebate ) within the Rent Charge was not disclosed to me. The details of my Lease Agreement with XXXX XXXX are attached, which includes my detailed statement and Exhibits 1-10.
Consumer complaint received 2022-04-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX, EXPERIAN and XXXX XXXX XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!