davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: California Business Bureau, Inc. (CA)

I paid this medical account in full with the original creditor ( XXXX Medical Center XXXX ) and I was assured that the collections entry were going to be removed completely from all credit bureaus. The collection agency is refusing to remove the entry after a full payment was made to the original creditor and the collection agency is reporting the account as a paid collection instead of removing the account as I was told and agreed to. The main purpose to remove the account from my credit report is to lessen the impact on my credit score and be clear of any collections. I was assured that after making a " full payment '' the account was going to be completely removed and now that they received my money are refusing to remove the account from my credit report and instead just updated the account to reflect as a paid collection, this is a violation of our agreement.
Consumer complaint received 2016-04-02
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX, Bank of America errouneously debited our checking account prior to the due date, and cause our accounts to overdraft, and they ended up charging us off for a MISSED PAYMENT. BOA messed up. BOA REFUNDED overdraft fees that incurred in our personal checking. BOA was supposed to refund payment. BOA only refunded payment AFTER the payment DUE DATE of XXXX/XXXX/XXXX. BOA then continued to take AUTOMATIC DEBIT withdrawls on the last day of the month until the account was paid in full. However, they also charged us off due to the missed XXXX XXXX payment, which BOA refunded AFTER the due date. We complained CRA 's. Bank of America " verifies '' info and CRA says they cant update without permission from credit grantor. We complained to the XXXX in XX/XX/XXXX, at which point Bank of America responded on XXXX/XXXX/XXXX saying the info was correct. They had many facts misrepresented, and the author of the letter, XXXX XXXX, HAS NEVER RETURNED A SINGLE PHONE CALL although she states we can contact her to discuss any issues AND XXXX XXXX says " BOA does not manage my credit report '' and that they cant fix it. XXXX XXXX also says we were " pleased with the outcome ''! I have attached the phone records showing our conversations, and I have attached the bank records showing that the refunded was provided to us AFTER the XXXX/XXXX/XXXX due date, which means they posted in XXXX XXXX. Bank of America has completely ignored the 50+ attempts since XX/XX/XXXX that we have made to get this resolved. XXXX XXXX says we can contact her yet she has never returned a single phone call ( she states to call her in the letter ). WE NEED HELP and WE EXPECT someone to review the REAL FACTS of this issue. Once reviewed, we expect Bank of America to contact all CRA 's and to have them update our account to 100 % paid as agree and on-time. THE CHARGE-OFF should be removed. This is the final notice prior to legal action being filed. Thank you for your help. ALL FACTS ARE ATTACHED INCLUDING the " Master Dispute '' which contains over XXXX of documented evidence proving BOA 's failures to rectify this situation.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working for better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 to 90 days late to the credit bureaus ( XXXX XXXX and XXXX  ) between XX/XX/2015 and XX/XX/2015 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.
Consumer complaint received 2017-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (CA)

On XXXX XXXX, 2017, I signed in to my Great Lakes account to make a payment for the month of XXXX. Because it was after XXXX XXXX, my account had fallen " past due. '' I made a payment for the full amount owed for that month ( which was just under {$500.00} ) and my account still remained " past due. '' It did not have any information supporting that a payment was made and was being processed. Instead, it said " please make a payment for your past due account. '' I decided to wait until the following day to see if my account status changed. The next day, the website still said " your account is past due, please make a payment. '' I checked with my bank and no charge was initiated or pending, so I believed the first payment had not gone through. The website should have stated " payment processing, '' or " payment received, '' or anything to indicate that, while the account may still be in a past due status, a payment for XXXX was no longer owed as this one was being processed. Instead, it was misleading and asking for an XXXX payment. As such, I made a second payment of almost {$500.00} for XXXX, only to realize days later that both payments went through. Great Lakes stated that I would need to wait a week for the payment to fully process and then could request a refund, which would take about 45 days. I believe their website is intentionally set up that way to mislead people into making additional payments when they are not necessary. I feel cheated out of an additional {$500.00} that I had not budgeted for this month. Great Lakes made no acknowledgment of the unreliableness of their website and I do not believe they will make any changes to make their payment collection more simple and less misleading for those who are trying to pay back their loans. I logged back in today, two days later, and my account still says I owe a payment for XXXX.
Consumer complaint received 2022-08-09
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. (CA)

XXXX, XXXX and Equifax all are reporting and unfair discriminatory credit scores very low... there are no collections and no late payments ... my credit score continues to decrease instead of increase and I am also be denied credit
Consumer complaint received 2017-05-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Potential Predatory Lending Practices :   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX  NC  XXXX  On  XXXX / XXXX /   2017  I went to   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX  NC  XXXX  ( phone :  XXXX  ) to purchase a new  XXXX   XXXX . After hours spent finding the car I wanted, we began discussing financing.     According to  XXXX , my Equifax credit score on  XXXX / XXXX / 17  was  XXXX , resulting in me being quoted at an 8 % rate. After telling them that was ridiculous, I told them I would seek financing elsewhere.     On  XXXX / XXXX / 17 , I went to my bank,  XXXX   XXXX   XXXX  to see if I could access a better rate  via one of  their loans. According to  XXXX   XXXX   XXXX , the very next day, my Equifax rate was  XXXX !! This resulted in me getting a 2.94 % loan. Needless to say, I took this loan and went to a different  XXXX  dealership to make my purchase.     FURTHERMORE :  XXXX   XXXX   XXXX   XXXX  emailed my credit score to my mother, without my permission! Additionally, her email is some weird address  XXXX  XXXX  XXXX . Why would they send my credit score to some random address!?!?     The credit report they sent me looks fishy, as if it has been edited. Please take a look into this as their practices seem sketchy.     I felt like because I was a young, first-time car buyer they were taking advantage of me.
Consumer complaint received 2024-03-11
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MA)

I had the XXXX XXXX company like 4 years ago I left after the 2 years end I paid that company in full they probably made a mistake and now they are coming with that ridiculous amount of money for a phone bill that was XXXX a month to start besides that its being more than 2-4 years about that and now they hired a company called Jefferson to collect and they already send it to my credit report and has been damage because of this I have plans to buy a house and now I have a negative inquire on my credit report this situation its bringing my life and plans down please help me to eliminate this people to ruined my life thanks
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/XXXX my account was fraudulently used an atm withdrawal was done XXXX miles from where i live, i contacted chime i was told to call back when the transaction posted over XXXX to file the dispute on XX/XX/XXXX, i submitted copies of police report that same night chime sends email stating that there was no mistake and they closed the dispute how can this be they didnt even bother contacting the location were it happened, if they check the camaras they will see it wasnt me, hoping chime does the correct thing reimbursing my account.
Consumer complaint received 2023-04-14
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. (VA)

On XX/XX/2023. I disputed inaccurate items on my credit report. On XXXX XXXX, and XXXXExperian sent a notification accusing me of using a credit repair organization to submit my letters, and in fact advised they were not going to investigate my claims, which is a violation of the FCRA. It has been well over 30 days, with no action done, which is another violation. I have attached the letters I have already sent to all 3 credit bureaus. These stall letters they are sending are not responses to the inaccurate information on my credit report.
Consumer complaint received 2018-03-19
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. (TX)

Trans Union irresponsibly used their system to fabricate my credit inquiry history.

Section 6 11 of the fair credit reporting act states you must receive a notification within five days of inquiry reinsertion. I was a victim of a inquiry issue by TRANS UNION. I've notified Trans Union of the error with no effort to have the issue resolved. There is a list of credit inquiries that I believe to be mistaken for someone else 's credit report and none of my current creditors are listed in the inquiry section of my credit report. Listing SIXTEEN credit inquiries on file. Four of which were XXXX XXXX! Two from XXXX. Two are listed as XXXX! XXXX XXXXl. XXXX XXXX. XXXX XXXX XXXX. Two XXXX XXXX XXXX, I researched them and they will finance you a vehicle..at EIGHTEEN PERCENT Why would anyone that?! I called TRANS UNION and demanded they fix my credit report, THEY SAID THERE IS NOTHING THEY CAN DO.
Consumer complaint received 2015-07-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The reason for my complaint is I was in the process of getting a loan modification. With Bank of America. In the process I was denied my loan modification the original rep i spoke with felt there was something wrong and advised me to speak to the appeal dept. which I did once the appeal dept reviewed my file I was approved I signed all documents sent back to BOA spoke with a new case manager advised me that BOA is withdrawing the approval because I had a partial claim in 2014. But I feel that i should not have to pay for BOA mistake and they should keep there agreement with my new modification.
Consumer complaint received 2019-02-26
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 (OH)

I paid {$140.00} minimum monthly payment on XX/XX/XXXX and {$270.00} on XX/XX/XXXX. 
-- -- -- -- -- -- -- -- -- - My minimum payment is {$140.00}. 
I requested the extra payment of {$270.00} be applied to the promotion that has a balance of {$510.00}. 
PLEASE APPLY BOTH PAYMENTS TO MY ACCOUNT TODAY. 
-- -- -- -- -- -- -- -- -- -- After both payments are applied, then the promotion with a balance of {$510.00} should have {$44.00} from the monthly payment & {$270.00} from the extra payment. 
-- -- -- -- -- -- -- -- -- -- - The new balance should be {$190.00} for the promotion that ends XX/XX/2019. The credit card company says I have to wait 2 months for these payment to be applied. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- I need this applied to my account now as I should not have to wait 2 months for payments to be applied. That is insane and I do not believe past payments were applied correctly during the wait. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Whenever I wait 2 months the payments are never applied correctly and then I get a late payment notice reported to credit bureau. 
-- -- -- -- -- -- -- -- - This card company does not like the promotions to be paid off early.
Consumer complaint received 2017-01-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (TX)

I was a victim of identity theft and noticed a collection from DIVERSIFIED I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against DIVERSIFIED in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Consumer complaint received 2016-05-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

There are communication between myself and bank but they put as all my fault, I am veteran working away from home most of my times, so I told USAA to take out {$250.00} bi weekly for my car payment, well after XXXX payments they stop and I did n't realized they stop, after 60 days they repo my vehicles and told me I fail to make my car payments, my car payment was {$350.00} a month buy but I been paid them {$500.00}, after I relized they repo my car I called them and ask them why they not notified me they reply that I did not answer my phone! Well they lie to me becauce I did not received any call from them or letter mail? I ask them what number did they call? They said that they do n't have number anymore and other thing is they told me my XXXX bank account is closed, well again they lie, my account with XXXX still active. I ask my bank did USAA try to take any money out? They say NO ... .so I talks to USAA they now say that they only take out XXXX payments, I have to sign some kind of documents for them to take money for car payments??? They been taking {$250.00} out fine? Why they stop and blame on me not make my car payments??? Now I told them it a communication issue between myself and them, they not buying it ... And now they say too late to get my car back! It on auction???? Please help me on this issue! Thanks ...
Consumer complaint received 2022-02-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/XXXX, I filed a dispute for the inaccuracy of this account and submitted it to XXXX and the company itself, but no one has responded. On XX/XX/XXXX, I filed a Validation of Debt to XXXX but still no response coming from them and refused to remove the inaccuracy from my credit report. The account was last updated in the sum of {$8800.00} on XX/XX/XXXX, which is incorrect.
Consumer complaint received 2016-08-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

Ocwen has approved us for a HAMP trial payment plan. After speaking with my relationship manager, I had some concerns regarding the documents I received. 
1 ). Will the holder of the note still be the securitized trust, Option One Mortgage Loan Trust 2006XXXX with the loan modification? 
2 ). If OOMLT 2006XXXX is the current note holder, why is the new unpaid principal balance with the loan modification higher than the balance in the trust? Unpaid principal balance in the trust is {$520000.00}, but the new unpaid principal balance in the loan modification is {$580000.00}. 
3 ). According to the HAMP website, we could earn up to {$10000.00} in principal reduction for making our mortgage payments in full and on time. But the incentive information provided by Ocwen states we can earn {$5000.00} in principal reductions for making our mortgage payments in full and on time. Why are we not eligible to receive the full {$10000.00} in principal reduction for making our mortgage payments in full and on time? 
4 ). Would like to understand why there was not a principal forbearance? 
5 ). Would like to understand why ca n't our loan terms be extended?
Consumer complaint received 2015-09-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a letter from XXXX Credit Card account which is served by XXXX XXXX on XXXX XXXX, 2015. After the investigation of the account the claim has been resolved in my favor. They said they were going to have charges removed and I would not be held responsible for the debt. But as of XXXX/XXXX/2015 it is still on my credit report.I did talk to Transunion after I submitted paperwork from the creditor but they have not removed it from my credit history.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

I was paid for products I sell and I deposited the check and apparently I was given a check that was not valid. Now I'm being persecuted by the bank and I am being held responsible to pay it back when I didn't write the check nor did I withdraw any funds. Please contact TD bank in XXXX XXXX nj regarding bad check. Td bank took it upon themselves to withdraw the money from other accounts of mine. They owe me close to {$5000.00} plus our money are insured. XXXX XXXX XXXX
Consumer complaint received 2017-02-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Capital Enterprises, Inc. (CA)

I have repeatedly requested that American Capital Enterprises provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2017-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MI)

LVNV Funding LLC has tried to collect a debt and I sent out a letter asking them for proof of the debt because the amount they were requesting was higher than the debt. I told them not to contact me via phone and I did not receive any information about the debt they were trying to collect or proof on the amount. I have this on my credit report and I did not get proof as to what the debt being collect or amount was for so I do not know if this is my debt or not. Company did not send me any information therefore I do not believe it should be on my credit report.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.
Consumer complaint received 2024-03-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

At first, I've got the bill charge from XXXX XXXX. I told them them it wasn't mine, they said they will dispute the bill and close the account. 

Today, I realize my credit score went down and it was from JEFFERSON CAPITAL SYSTEM, It was a corrector company, I called they said it was from XXXX XXXX  that claim the charge. The charge was {$5900.00} they told me to call XXXX to dispute. 

I called XXXX again, they said they can't do anything since the account was already closed and the representative advised to claim the dispute here.
Consumer complaint received 2020-10-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.