davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
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. (MO)

I have an account that is showing charged off written off that is continuing to report with a balance as well as it being included in my utilization causing my UTI to be high on an account that I no longer have. Also each month this account reports as CO=charge off. Under the account history the XXXX is reporting monthly, however the amount is incorrect. The account is showing on my credit report twice with two different balances. There is an incorrect high balance amount. It's also showing past due when that is incorrect. On the Credit Report there is missing information. The terms and monthly payment is not on the credit report.
Consumer complaint received 2018-03-26
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. (NY)

XXXX XXXX, XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-01-08
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. (FL)

This account was disputed with " Experian and XXXX XXXX XXXX XXXX XXXX '', a letter requesting its validation with a 30 days compliance reply requested by mail and send via certify letter on XXXX/XXXX/XXXX with No answer I further remind that, as in XXXX XXXX XXXX Experian Corp., No. XXXX ( XXXX XXXX XXXX, XXXX ), may be liable for your willful non-compliance. XXXX XXXX Bank Acct # XXXX 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Experian still have this account in my credit report after failing to comply with a 30 notice to comply with the law.Fair Credit Reporting Act
Consumer complaint received 2017-11-08
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: National Credit Systems,Inc. (GA)

I filed a dispute with XXXX about account number XXXX reported by the National credit system, inc.in a amount of XXXX. I told XXXX that I dont owe any money to the company reporting this Item and I want this to be out of my credit report because it is negatively impacting my score and my credit. I attached all the proof that I do n't owe any money to XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

I purchased my car at XXXX XXXX XXXX in XXXX, AZ. in XX/XX/XXXX 2012. The salesman, who I knew, actually picked me up at my home in XXXX and drove me to the lot cause he knew I was looking for a car. He was an associate of mine. I was n't working but had over {$1500.00} in cash to put down on a car. The car they sold me was a XXXX XXXX XXXX, the most basic model. 5 speed, no auto windows and no speakers in the back. Somehow I was finagled into signing and getting approved, with no job, mind you. My payments were set a XXXX XXXX/month. I should n't have agreed, but I needed a car and was encourage by the salesman that it would n't be that difficult to pay it off. I made payments until I could n't afford to anymore. I was n't full-time employed and rent and food were more important, so my car payments ended up in default. Santander is the owner of the loan. They worked with me to half my payments for a bit, but that only worked for a few months. When I finally got a full time job, I made the payments before the billing cycle was overdue. I 've been very consistent the last year and a half in paying this off, however, when I called Santander about my balance, it had barely budged. Currently I owe {$15000.00} on the vehicle. When I pulled my credit report, I noticed that the majority of my payments never went towards the principal ( as you 'll see by the attached form ). I ca n't express how much this saddens me. I 've made extremely high payments for a vehicle that is now worth less than {$3000.00}. And no one at Santander ever reached out to help me knock this bill down. I ca n't refinance either. I 've paid more than what the car is worth at sticker and now I still owe {$15000.00}.
Consumer complaint received 2019-03-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (AK)

I received a notice from a credit monitoring agency that Allied Collection Services had posted a debt on XX/XX/XXXX. I did not receive any notifications. Finally, in XX/XX/XXXX, I called Allied Collection Services to find out why they had neglected to send me any information. They told me that they had sent it out in XXXX ( false ). I told them to send it again. They told me it would take 2-3 weeks to get a package together to send to me. I asked why they needed 2-3 weeks when they've had the debt for over three months. They denied they had the debt in XXXX ; this time they said they just got the debt in XXXX ( false, and 2 1/2 months is still plenty of time to send a letter ). They told me they would send it out to me. It has been over a month and a half since I called, and they have not sent anything.
Consumer complaint received 2017-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

Chase does not offer any form of two-step verification for its regular checking and savings accounts. This leaves my money exposed to identity theft and fraud. A simple texted code to my phone is what my other banks and accounts are doing. One gave me an actual " token '' for my key ring with a code that changes every 60 seconds. I will be leaving Chase bank.
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (TX)

I signed up for XXXX XXXX XXXX through an authorized dealer. The services never worked correctly and some equipment never worked at all. XXXX let me out of the contract. This was between XXXX and XX/XX/2022. This week, Hillcrest Davidson collection agency posted a debt of {$1700.00} to my XXXX credit report. I did my due diligence to cooperate by calling XXXX and XXXX XXXX to optain what the collection agency wanted. I got a zero balance statement and a billing history report, but Hillcrest Davidson sent me a screenshot of a supposed statement. No services were rendered and XXXX had terminated the contract due to it not working in our area. XXXX XXXX, sold my information falsely reporting a charge that XXXX does not have, but they state that it is coming directly from XXXX. The bottomline is that they sold my information and have misrepresented a balance that is fradulant. I need this to be removed immediately, please, because it is fraud and I am in a time constraint to purchase a house. This is extortion because after I proven that XXXX let me out of the charges for lack of service from them, XXXX XXXX has sold my name is false information about the balance and the time of service. Please help me.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: STERLING JEWELERS, INC. (ME)

I contacted company on or about XX/XX/2017, and explained I would be having difficulty making payments, as I was going through a life-altering medical event. Company agreed to suspend the account until I was able to make payments. Account was instead closed and placed into collections. Other companies I contacted, agreed to place their accounts into a " hardship status '' due to my medical situation.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

I am filing a formal complaint against Synchrony Bank, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. This bank has been charging me illegal late fees every month since I opened the account. Every month I have paid my minimum balance due of {$42.00} early, and Synchrony Bank charges me for late fees. Then, adds the late fee charge to my minimum balance due. I have contacted them by phone and email on several occasions asking for a refund of the late fees. This abusive illegal practice needs to stop. I have enclosed copies of all the statements for my account which includes all dates and amounts of late fees charged from their website. Clearly exposing the accounting errors on their part!
Consumer complaint received 2017-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG HOLDINGS INC (NY)

I went into a   XXXX   XXXX   store located on  XXXX   XXXX  in  XXXX  ny. I asked the clerk for a     XXXX   XXXX   XXXX   for my cell phone but he did not have it. I turned around and walked out of the store. The clerk then chased me down into  the street  to ask me if I wanted to see if I was eligible for a free  XXXX . Being in need of a working telephone I walked back to the store with the clerk. After  XXXX  minutes of running my name in his system the clerk says hey you are eligible for an  XXXX . The only thing is that you have to pay  XXXX  dollars a month for it. I said honestly that 's a little expensive sir I do n't know if I can afford that. The gentleman continued persisting I get the  phone  & mentioning perks of having a  XXXX  with the   XXXX   XXXX   service. After a couple minutes of persuasion & reassuring me I finally agreed to get the phone. The gentleman then folded sum paperwork ackwardly & ask me to sign at the bottom for the    phone.   I had no clue that I was signing a contract agreement between me and a phone leasing for the  XXXX . The clerk lied about the agreement on the phone & did n't even mention that I was leasing a phone. He claimed I was paying  XXXX  dollars a month which was  XXXX  for the service and  XXXX  dollars off the price of the phone which is initially only  XXXX  dollars on the receipt. I payed up front  XXXX  dollars for the phone not to mention  XXXX  payments or more of  XXXX  dollars every  XXXX  weeks was removed from my account unauthorized. I went back to the clerk and pleaded with him to please take the phone back but the gentleman would not. He did n't want to service me anymore after I made the purchase which was not even a  XXXX  of the initial payment transaction. I spoke with the store owner about the ordeal and he apologized and agreed to take back the phone. We had schedule a day to meet at another store location of   XXXX   XXXX   on  XXXX   XXXX  but was unsuccessful due to lost of contact. I called the owner numerous times and left numerous messages to return my call but was unsuccessful.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I should not have to pay money to freeze my credit due to XXXX XXXX egregious error. Because of XXXX XXXX fault, I 'm now on the hook for the money to freeze my credit with the reporting agencies.
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXXXXXX XXXX
Consumer complaint received 2017-07-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I obtained ten separate student loans from XXXX to XXXX to attend XXXX XXXX XXXX XXXX  XXXX. XXXX was the original servicer of these loans. I was unable to obtain gainful employment in my field of study, so I had these loans in forbearance or deferment status until XXXX. That is when all of the loans became delinquent for a period of ten months and were transferred to the Department of Education. In XXXX, I applied for XXXX and XXXX XXXX XXXX through XXXX and satisfied all of the requirements for the three year monitoring period. In XXXX, I received a discharge letter from XXXX. All ten of my loans are being reported twice on my credit report by XXXX. XXXX corrected the status of four of these accounts to " current, paid as agreed '' after I disputed a false late pay on my XXXX report during XXXX XXXX. I prevailed in getting the false late pays removed. I filed an additional dispute with all bureaus to correct the status of the remaining six loans from currently 120 days late to " current ''. That dispute was unsuccessful. I contacted the Federal Student Loan Ombudsman Group for assistance. The first investigation was unsuccessful. I filed a subsequent case with the Ombudsman Group, via email and this case was concluded in a very timely manner. I was assured by the Ombudsman that XXXX would correct the reporting of these accounts, however this has yielded more issues. XXXX responded with correspondence to me stating that after a careful review of my account, they submitted a request to all national credit bureaus to update the trade lines for my loans to show a XXXX balance. I called XXXX to clarify the information in the letter, and the representative stated that the delinquencies would be corrected. XXXX reported all ten of my loans on my credit file with all three bureaus a second time, these loans are reported in good standing. However, the loans are listed twice by XXXX now, with the status not being corrected on the first set of loans reported. Also, all ten of the loans are listed on my report by the Department of Education in a paid, written off collection status. These loans reported by the Department of Education were in good standing up until the point where " inappropriate '' corrections were made. In short, I have ten separate loans that are being reported three times with all three bureaus. Each loan is being reported as a derogatory account twice, once by XXXX and once by the Department of Education. This amounts to twenty derogatory accounts on EACH of the three bureaus. I have consulted with an attorney in this matter, I was advised that since the loans are discharged they should be completely stricken from my credit file. I have attached the letter of discharge from XXXX.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

Experian report number : XXXX, per the credit report the following accounts were supposed to be deleted in XXXX 2016. Per checking on the Experian website on XXXX/XXXX/16, the following accounts are still appearing : XXXX XXXX {$990.00} XXXX- {$14000.00} XXXX- {$17000.00} XXXX- {$26000.00} XXXX- {$25000.00} XXXX- {$4600.00}
Consumer complaint received 2021-09-09
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: ENCORE CAPITAL GROUP INC. (CA)

I want to report Midland Funding for inaccurately reporting information to the major credit agencies and violated laws and my rights. Aside the emotional distress it has caused from constant harassment by them since 2019, I want to let them know this behavior is not acceptable for the {$590.00} that they keep asking for and does not pertain to me in any which way. Furthermore, I know my rights and will not be accepting anymore of this behavior.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CULLEN/FROST BANKERS, INC. (TX)

On XX/XX/2022 my debit card was stolen phone the airport my wallet my luggage. I have called in at least twice since then to dispute the fraudulent transactions that were placed on my debit card. Frost has refused to provide documentation or any prove that they have disputed the transactions correctly. The first time I disputed the represented Said they disputed but I had to call in a second time only to find out there was no dispute on record. After I disputed the fraudulent transactions in XX/XX/XXXX they said that it would take 90 to 100 days to process. Frost refused to provide a provisional credit for the fraudulent transaction. I have lost quite a bit of money in my account and its not fair that nothing is being done as of right now. I had provided proof for the claim I also have documentation from the airport stating that my luggage was stolen. I am very upset because I feel like Frost isnt trying to do anything about it as of right now and I would like this corrected. The provisional credit is needed due to the amount of time that I have to wait and the money that I have lost.
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I had XXXX unauthorized transactions from my Bank of America checking account from XXXX. One was {$1100.00} and the other was {$550.00}. I filed a fraud case with Bank of America and they came back and said research was done and that they found that I was in fault based on their research. I was told that the transaction was done from a " device that is consistent with previous valid account activity '' - I am 100 % sure I did NOT authorize or conduct these transactions and now I feel like I am out {$1700.00} for something that is fraudulent and not my doing. I am a XXXX XXXX XXXX that works part time and I am about to start college. I can submit anything you need to help me solve this and get my account back to {$0.00} as I didn't have this money in my account to begin with. Thank you.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ARVEST BANK GROUP, INC. (OK)

As of XX/XX/XXXX my account with Arvest was overdrawn $ XXXX including {$130.00} in over draft fees. On XX/XX/XXXX a check from the XXXX XXXX XXXX XXXX XXXX was deposited in the amount of {$1500.00}. The date the check was deposited the the account was brought to $ XXXX. On Saturday XX/XX/XXXX the {$200.00} credit from the deposit was reversed and the check was placed on a one week hold. Arvest has deposited several checks ( over {$1000.00} ) from the XXXX without placing a hold on the account prior to XX/XX/XXXX.XX/XX/XXXX a payment was scheduled to come out of our account with Arvest to pay for our water bill. Since Arvest has placed a hold on our deposit. Our water is now turned off and we must pay an additional {$20.00} to have the water turned back on.
Consumer complaint received 2017-04-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MI)

I was trying to short sell my home. I called and asked about the process. The employees kept saying the lost paperwork, someone passed away so they had to start over again ( SEVERAL TIMES ). I was told I could NOT do a short sale I had to do a deed in lieu, however, I contacted my attorney and she told me that was n't true. She stated everyone has a right to first try to short sale my house. I went to meet a potential buyer and I was n't even late on my payment and the door knobs were already broken, so I couldl n't even get into the house. There was some property management company sign on my window. I was dealing with a realtor and he got so angry with  one of the  workers they were cursing at each other and she hung up in his face. Finally I had a buyer for the short sell and they told me well you only h ave 2 weeks  before your time runs out to do a short sale so we ca n't do this and told my realtor sorry we would n't be able to close in enough time so, the house went into foreclosure. I can have both realtors contact whomever needs to be spoken to. I also file a complaint on the website when this happened, but heard nothing back from anyone
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (NC)

This company accessed my credit file with XXXX XXXX on XX/XX/2016, placing an inquiry on my file. I have attempted to dispute this item with the Credit Reporting Agency and with the company, requesting documentation to support their permissible purpose in accessing my file. They have failed to provide such documentation. Accordingly, pursuant to the FCRA, this inquiry should be removed from my file.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

U
nder the new law effective XXXX XXXX, 2017 any public record data must include Name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports with XXXX, Transunion, and XXXX.
The Bankruptcy identification number is : XXXX US Bankruptcy Court XXXX, Georgia XXXX