davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I recently challenged the validity of XXXX XXXX, XXXX account thats being reported on my recent credit report. Upon challenging this, XXXX  and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Experian that they verified this same account. Its my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information Experian used to verify this account in writing. If such documents can not be produced, Experian needs to delete account from my credit report immediately
Consumer complaint received 2020-11-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trojan Professional Services, Inc. (CA)

My daughter who was XXXX years old had XXXX  appointment with XXXX XXXX XXXX in XXXX XXXX, Ca. 
Upon her visit we gave them our insurance. I told front office NOT to perform XXXX  and to make sure that if there any extra to charges to clear them with me. While waiting I received phone call and had to step outside. In the meantime, without my authorization they have performed XXXX XXXX which is toxic to the human body and to the teenagers and they have done an unauthorized XXXX. 
I refused to pay for something which was not authorized and instead they referred this account to the collection agency
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello, I am writing to you again about the error bank did. I made a payment XX/XX/2020 for the exact amount that I received on my paper mortgage bill, {$2600.00}. Later the bank claimed that I paid the wrong amount, but as I've shown before in my previous complaint, I paid the exact amount that was on my bill. Today, I received a paper from the bank that lists that payment and shows XX/XX/XXXX a " bad check reversal '', when I never had a bad check. I paid by phone through my bank of America account, there was never ANY checks made, it was a balance transfer from my account to the mortgage. My account has enough money to pay for the amount requested on the physical paper mortgage statement. Now the bank has decided to label it as a " bad check reversal '' when there was NEVER any check payment being made. This is clearly an attempt to defraud me and refuse to admit that the Bank made a mistake when sending me the bill by mail. If they changed the amount due between the time they sent me the bill and the time I called to pay the bill, they should have notified me when I was making the payment. I have no way of viewing my balance online because the account is not available due to a bankruptcy. I fully believe, the bank is doing everything that they can, to sabotage my account, my credit and my reputation as revenge for having been in a bankruptcy. The bank is clearly trying to make it harder for me to make my payments so that I would miss a payment and they could take me out of my home.

My original requests, concerns and complaints, were NOT answered, so I believe that shows that the bank is not acting in good faith. They are planning to do everything they can to seize my house.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (TX)

I had an account with XXXX XXXX XXXX XXXX in which there were several reasons as to why the debt was not valid and should not be appearing on my credit report. I submitted the complaint to XXXX and successfully had the account removed. 
However, In XXXX of this a collection agent, National Credit Adjuster, who had apparently purchased this account posted an unpaid collection on my credit report with experian. I have made numerous attempts with XXXX to dispute this item on my credit report and have had no success. 
If the original underlying account was found not to be reportable then the subsequent collection of that same account should not be reportable as well.
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One decided to freeze my funds because of spending pattern. I was told the investigation could take up to 90 days. After the 90 days I decided to call and Capital One still has nkt rendered a decision. We are in a the middle of a pandemic and Capital One is holding on to my funds unlawfully and beyond the 90 day scope i was initially told
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NJ)

in XXXX of 2019 i made a vehicle lease payment of XXXX dallors i was XXXX dallors short of making the correct payment and GM financial reported a late payment to my credit report which i want removed becuase i made a payment the information is incorrect
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My wife XXXX XXXX XXXX and I entered a settlement agreement with XXXX XXXX to pay a settlement of {$1500.00} for deletion. We made a payment in XX/XX/2020 of {$500.00} and completed the payment with a payment of {$1000.00} on XX/XX/2020 and received the deletion letter and payment receipt. The credit bureau has removed it from my wife 's credit profile but it still remains on my credit profile although it has exceeded the 30 day limit now approaching 60 days with no deletion. This is clearly a violation of my FCRA and FDCPA rights with their refusal to remove this derogatory joint debt. We have contacted the credit bureau multiple times and no action has been taken.
Consumer complaint received 2020-10-27
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. (CA)

Company violated their Covid-19 agreement to reset the XXXX and XX/XX/2020 to {$0.00} balance due. Every effort was made to resolve amicably prior to this point I was repeatedly past around from department to department msot of which more rude and unprofessional than the last They then tried to tell me I filed bankruptcy and when I said I would know that never happened I just want service with my account I was repeatedly hung up on. 

They repeatedly violated other customers personal information by sharing sensitive and personal information directly from their executive office to me when attempting to communicate using a shared XXXX. Then they also stated that never happened and proceeded to do it again so I kept all 3 emails. 

I was a customer for 8 years never late there are massive amounts of communications call logs and disputes since and the account was paid off so this was clearly an issue that was absolutely not my doing nor my fault it this is an absolute error not only credit wise but service wise. This needs to be immediately fixed on credit bureaus as not late or no data I have spent so much time energy and effort thus far it is disappointing
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX I disputed online. 
XX/XX/XXXX I disputed accounts online. 
XX/XX/XXXX I disputed accounts online. 
XX/XX/XXXX I disputed accounts online. 
XX/XX/XXXX I sent out a letter to each bureau. 
XX/XX/XXXX I mailed out a letter to each bureau. 
XX/XX/XXXX I mailed out a letter to each bureau. 
I have multiple fraudulent inquiries on my account as well as accounts.
Consumer complaint received 2022-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

Contacted Kia XX/XX/2021 when I had XXXX. They put me in a COVID payment arrangement which I kept, and still reported me 30 days late. I've contacted them multiple times which they make me dispute thru the credit agencies. So ive disputed this multiple times with it still coming back as valid.
Consumer complaint received 2020-10-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NV)

I requested a loan modification since I was furloughed from my employer of 17 years, in XXXX XXXXI remained furloughed up until XX/XX/2020. I was recalled to on-call status and have worked 1 day a week since. I anticipate this to become a hardship to pay my mortgage. Fortunately I had a small saving to save me. That savings is dwindling and I have been trying to be proactive by addressing the matter with my mortgage company. since I have not been late yet or defaulted the mortgage, and supposedly home has a hight LTV, they denied my modification. 

My major problem I have with the company is the BPO they charged me {$85.00} to do. After reviewing my copy of the BPO it was apparent it was completed totally wrong. In addition to SLS determining I do not have a qualified hardship, they also concluded I have too high of an LTV to qualify as their list of reasons I was denied. Their BPO they charged me {$85.00} for is wrong by over {$40000.00}. No exaggeration, they used completely inaccurate data. The comparable homes they used to valuate my 1-Story home, they used 2 STORY homes which are significantly different when it comes to valuating. 

I feel that its almost a scam to welcome customers and especially desperate customers nowadays due to COVID, willing to spend the {$85.00} to try and see if they can get assistance with their mortgage. Little does anybody know they are deliberately undervaluing homes. 

I want them held accountable. I want them to re-evaluate the property thoroughly. It's not about the {$85.00}, its the principle. Or Even if its just a BPO there are plenty of model matches to my home IN my community they could have obtained their data. Had they done their BPO correctly they would have found my LTV to be at least 75 %. They would not be able to use excuse I had too high of a LTV.

I have escalated this complaint about the BPO company to the State of Nevada Department of Business Real Estate Appraisal Division.

I also submitted an appeal to the SLS for their Denail of my Loan Modification.

I have copies of BPO upon your request. 

Thank you, XXXX XXXX
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

Civil Liability A debt collector who fails to comply with any provision of the FDCPA is liable for Any actual damages sustained as a result of that failure Punitive damages as allowed by the court : In an individual action, up to {$1000.00} Inaclassaction, upto $ XXXX plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or XXXX percent of the debt collectors net worth, whichever is less Costs and a reasonable attorneys fee in any such action In determining punitive damages, the court must consider the nature, frequency, and persistency of the violations and the extent to which they were intentional. In a class action, the court must also consider the resources of the debt collector and the number of persons adversely affected Play some in a severe hardship XXXX XXXX XXXX and Experian are refusing to remove or update the incorrect information that they have in file I need someone to help me I was unable to get My home refinance do you say incorrect information on my credit report I keep calling them and they state they going to remove it and he never did I have send XXXX letters No response
Consumer complaint received 2021-01-25
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: JPMORGAN CHASE & CO. (CA)

Transaction from XXXX XXXX were made on our credit card without permission in XX/XX/2020. Since then I've submitted appeals to the fraud case every month to get Chase to realize we never granted permission to this company. 

In a detailed letter we shared the FBI agent 's contact info to confirm this with them.
Consumer complaint received 2020-10-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (UT)

I filled a I filled a Dispute in regard to the inaccurate items on my credit report its been will over 35 Days. I am distressed i haven't requested any information on the investigation.
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

Communicating with Chime, going on 3 weeks now. 
I have saved up money overtime within my XXXX account. I thought about having a Chime banking account. I heard great things about the Chime online banking services. I decided to have my money to be housed there, therefore I opened both a checking and savings account with Chime bank online. All of my money was out of my XXXX account and into what I thought was a legitimate financial institution, went into both checking and savings accounts, subsequently and combined to a total of {$21000.00}. Chime, without notifying me or providing any documentation by mail, has closed both of my checking and savings accounts. Since XX/XX/2020 I have not been refunded of my money. The Chime bank never gave me a better understanding as to why my accounts with all of my money in it should be closed. I complied with all of the rules of this bank. I provided all of my identification, proof of address, and a written explanation on the origin and intended purpose of my money via email to them. It's been well over 2 weeks that I haven't gotten a response or seen a delivery of my check in the mail. According to their deposit agreement, I and the bank can close my accounts for any reasons. Also, the bank has within 14 days to issue back to me my balance if it's over {$1.00}. I haven't seen a dime of my money. I have to take care of my family with this money. I want my money back. I can not ever get a hold of someone at this bank by calling their XXXX number nor a legitimate explanation as to what's going on with my money and the whereabouts of my money whenever I have spoken to the bank representative. I just want my money back. I feel as though they've violated me beyond my civil rights. All of my communication has pretty much been communicated through emailing them at this email address XXXX. And whenever I've called, I'm not getting nowhere to a resolution about my money being refunded. I have waited out the following 14 business days because after an account closure the bank supposedly will refund the money in the accounts. I spoke with Chime Bank floor Manager XXXX, XX/XX/2020. All relevant information requested was provided to them. And XXXX acknowledged receipt of those documents. According to her, the accounts are closed and the system won't generate a refund. XXXX stated there's no refund. This Chime bank fraudulently took my money.
Consumer complaint received 2021-02-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

XXXX XXXXXXXX XXXX erroneously recorded a {$52000.00} XXXX XXXX loan and property lien for a prior 90-day delinquency that was cured by 3 months of increased ( liquidating ) payments. As current loan servicer for XXXX  XXXX XXXX, Carrington Mortgage has agreed to investigate the complaint however, they require all communication with them be via fax - only.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX has and is reporting inaccurate information on reports from XXXX, transunion, and XXXX. They are reporting inaccurate dates of last payment, inaccurate amounts of charge off, and inaccurate payment history. According to FCRA 623aB, a company if they choose to report to the bureaus must provide accurate information or they must remove the account because of inaccuracies. This company is in violation of the law. Attached are the highlights of the inaccuracies reported from XXXX XXXX  XXXX XXXX to the 3 bureaus.
Consumer complaint received 2017-09-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

CIT bank had over {$300000.00} for almost 3 months then locked me out and now I am waiting for them to send my money back. No answers, impossible to get a reply when I will be receiving the funds. Please help.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Both XXXX as well as XXXX XXXX have violated my rights within the Fair Credit Reporting Act. They resubmitted debt on my credit report without any additional information provided. As protected under the FCRA section 611 I demand that this information be deleted from my report immediately. 

XXXX XXXX XXXX XXXX XXXX I feel that since the beginning of the pandemic, the FTC has not taken corrective action against creditors to protect consumer rights. Please protect my rights by deleting the following information from my report.
Consumer complaint received 2020-10-26
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. (NV)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (AL)

Southeast Toyota Finance was asked to verify a debt owed within 30 days and they failed to do so. This means, the account should be deleted from my report. 

Southeast Toyota Finance has sold this account to a debt collector whom I pay {$50.00} a month currently. 

They do not own this account but is reporting on my credit.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

This is my 4rth complaint filed and to date EQUIFAX has not fixed the problem. 

The problem : Equifax is not reporting my revolving ( credit card ) accounts on my credit profile history. I have 2 credit card accounts through XXXX XXXX. 
1. XXXX  XXXX Visa ending in XXXX 2. XXXX  XXXX Mastercard ending in XXXX XXXX XXXX communicated to EQUIFAX to report these accounts. I've attached this letter that XXXX XXXX wrote me notifying me of this. And yet to-date EQUIFAX still is not reporting onto my credit profile history these revolving accounts -- -attached is a screenshot of " myEquifax '' account showing 0 Revolving Accounts. 

Equifax is the ONLY credit bureau that is NOT reporting my 2 revolving accounts above.
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aldous & Associates, PLLC (NC)

ALDOUS & ASSOCIATES, P.L.L.C. are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. ALDOUS & ASSOCIATES, P.L.L.C. are using obscene and profane language as well as defaming my character with this alleged debt. I am enforcing my rights, for the damages caused by ALDOUS & ASSOCIATES, P.L.L.C. pursuant to 15 USC 1692k civil liability.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NY)

My ALLY Bank lease was terminated two months early to enter into a new Lease agreement. The Car Dealer Requested a payoff quote from ALLY Bank, this quote was supplied by ALLY Bank and was paid off by the dealer. A few months later I received a call from ALLY Bank that I owe {$110.00} dollars, which I refused to pay because the lease was terminated and ALLY Bank provided the Car Dealer with the Payoff amount. On principle I was never late within the 37 months of the lease. This erroneous info was sent to a collection agency. After six different dispute resolution attempts with the credit reporting agencies all failed, this item is on my credit report as a Charge Off and is negatively impacting my Credit Report at an in opportune time. I owe nothing to Ally Bank or any other entity with respect to this Auto Lease. I would like this negative item removed from my Credit History.
Consumer complaint received 2017-09-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bliksum, LLC (CA)

I was 7 days past due on a loan payment with XXXX. I had already informed them it would be late due to unforeseen health problems and lost pay from missing work due to my health and my family 's health. They were calling me excessively at work and on my cell phone number from numerous area codes and left a huge amount of voicemails all week. Then on XXXX/XXXX/XXXX, I received an email from my company email from another employee of the company I work for, whom I do not know, do not work in the same office with or have ever even met saying that " XXXX at XXXX XXXX called and she would like for you to give her a call at ( XXXX ) XXXX, their open until XXXX. I was completely embarrassed and outraged that they did this, I do not even know her! I faxed them, sent them online letter as well as mailed a cease letter informing them that I am not allowed calls at my place of work and especially they are NOT allowed to contact a third party co-worker with my personal loan information, which saying they 're from XXXX XXXX is pretty obvious I owe a debt!