davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MO)

Ace cash express has called me repeatedly from a blocked number. They are stating that I have a pending lawsuit that I need to pay. They have threatened to charge me an extra {$1000.00} in court fees, sue for breach of contract and to file a federal complaint because my bank account had non sufficient funds to pay the loan back. I have been barraged by calls from them for weeks.
Consumer complaint received 2020-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

I will retire in XXXX, but Navient ; due to their charging me INTEREST ON CAPITALIZED INTEREST, will cause my student loan payoff at end of XXXX ( 7 years later )!! THIS CAN NOT BE LEGAL! I have seen there is a Civil CLASS ACTION Suit Against Navient. I WANT to be part of this Lawsuit!
Consumer complaint received 2020-05-26
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: EQUIFAX, INC. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2021-04-01
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: Santander Consumer USA Holdings Inc. (GA)

Payments on Account # XXXX were made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for more than the minimum amount due each month and more than enough to satisfy any fees on the account. I was in contact with Chrysler capital through phone and chat confirming that my account was in good condition and that the issue was on their side. I also requested that an investigation be opened to find out why my account was accelerated for the full note in XXXX which was more than the agreed upon monthly minimum payment. Representatives confirmed with me that there was an issue and that the issue would be resolved and that I am current on my loan. XX/XX/XXXX was the final payment for the loan and in XX/XX/XXXX, my credit record was hit for two late payments in XX/XX/XXXX and XX/XX/XXXX. I have since disputed this multiple time with all three credit agencies. Secondly, anyone can pull my credit record now and clearly see the payment history on this account and it will show payments ( more than minimum ) received in the same months that are reporting late, how is that even possible? I made every single payment on this account including interest and fees on time from XX/XX/XXXX to XX/XX/XXXX, and I was never 30 days or more late ever. Chrysler Capital manipulated the amounts by accelerating the account for the full loan payment without prior communication and representatives fail to document disputes and / or disputes were erased and never investigated.
Consumer complaint received 2018-02-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have a capital one account, I have received a deposit for selling my car over 5 months ago and bank hold my funds said, if there is no charge back they will close my account and send my money, I still didnt receive my check neither they closed my account. I talked to them and they told me in 3 months we will send it but nobody sends anything everytime I call they ignore it
Consumer complaint received 2023-02-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have disputed multiple negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McNeil & Meyers Asset Management Group, LLC (CA)

I noticed the collection agency reporting negatively on my credit report. I reached out to them to verify the debt and once it was verified I was offered a settlement offer to remove all of the three bail bond accounts from my credit report. I informed the collection agency that I would have to forward the settlement offer to my attorneys to see if they can assist me financially with the debt because I am in litigation with the client of the bail bonds accounts. Unfortunately, my attorneys could not assist me with this debt. So, I reached out with an update to the collection agency and was offered a lower settlement offer to remove all three of the accounts from my credit report. However, there are two other cosigners on the bail bonds accounts who were not sought after and the settlement offer was not divided amongst three people. I feel that it is an unfair amount of money that the collection agency is expecting me to pay without seeking any payments from the other cosigners who will benefit off of me paying the settlement offer myself. I informed the collection agency that I am a single mother on welfare, a fixed income, unemployed, and just had an additional child, and that I was ordered not to work by my doctor. The settlement offer has a deadline to be paid by XX/XX/2021 and I can not afford to pay that due to my situation and the unfairness of the other cosigners not being held responsible to pay their portion of the debt as well.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (IL)

Was recently issued a new Credit Card by Synchrony Bank that replaced my expiring card. My account was current, never late and I was a long term customer The experation date was XX/XX/25. I tried to use the card twice and the purchases were declined. One purchase was for a car battery. I was left in the lurch. I called Synchrony and they indicated that the account was closed due to inactivity. 

I received no written, telephonic and electronic notice that my account was endanger of being closed due to inactivity.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

There is incorrect information on my reports with XXXX and Equifax pertaining to status dates of four accounts that were included in a Bankruptcy last year, XXXX XXXX. The accounts in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for Chapter 13 bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The accounts with the incorrect information are two separate XXXX XXXX accounts, and XXXX XXXX finance, and XXXX XXXX XXXX XXXX. Ive reached to all 3 companies with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my Chapter 13, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX.
Consumer complaint received 2021-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (WA)

In XXXX or XXXX, a debt that had fallen off my credit report in XXXX was put back on my report. This was a debt from XXXX, so I disputed it and asked the company to send me the information on the original debt as well as when they acquired the debt and explain how and why it was on my credit report in XXXX because as far as I knew I had no account with them or XXXX XXXX XXXX currently & I had received no kind of correspondences prior to XXXX of XXXX. When I received the letter from them it contained what looked like a bill from XXXX XXXX XXXX stating that I owed {$140.00}, dated XXXX of XXXX. I was confused since I currently have no account with XXXX XXXX XXXX and was given NONE of the information asked for. When I called I was told that they had acquired the debt in XXXX, again I received nothing from them, and they restarted the debt then. When I told her it was illegal for them to restart a debt from XXXX just because they purchased it in XXXX of XXXX, I was hung up on. I live in Washington State and I don't think that this is a fair or legal practice.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX is reporting a debt I do not owe for XXXX XXXX. XXXX XXXX was included in my Bankruptcy # XXXX. I have contact XXXX XXXX many times to have them fix this issue. This is in clear violation of the Bankruptcy Law Act,  and this account needs to be removed off of my credit.
Consumer complaint received 2023-02-08
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. (NY)

The credit reporting from this company is riddled with changing inaccuracies. In XXXX, XXXX  it reported me as being XXXX  days late with my XXXX payment. Then in XXXX, XXXX  it correctly removed the XXXX  day late on my XXXX payment but replaced it with a XXXX  day late on my XXXX payment. The in XXXX, XXXX  it correctly removed the XXXX  day late on my XXXX payment but both incorrectly put a XXXX  day late for my XXXX payment AND showed me as owing {$180000.00} -- my original loan amount was {$20000.00} and I owed about {$18000.00} The bottom line, this companies reporting is haywire. I have tried to speak with them to address these numerous, changing inconsistencies but they have been almost as erratic with their customer service. 

For the record, I am paying down a {$20000.00} loan and I have never been XXXX  days late with a payment.
Consumer complaint received 2022-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (NC)

On XX/XX/XXXX We discussed with a lady about helping us get a house. We continued to communicate and be in contact with the lady. On XX/XX/XXXX we sent the lady the {$1000.00} which was her fee for getting us the house through XXXX XXXX XXXX XXXX. On XX/XX/XXXX we were in contact. The last stated she would let us know once approved. I reached out on XX/XX/XXXX the last stated she should know something today and stated she would reach out to me. XX/XX/XXXX Asked the lady for an update and that I didn't hear from her the day before. She stated she forgot. She stated that she would get me approved. XX/XX/XXXX Lady stated she would call me, never received a call. XX/XX/XXXX reached out for an update. She promised she would call me never did. XX/XX/XXXX I requested me.momey back from her and she denied it. Reached out to cash app they requested I reach out to her. Then I reached out to Chime on XX/XX/XXXX regarding the incident. XX/XX/XXXX they gave me a claim number and stated someone would get back with me. They stated for me to explain what happened and attach documentation supporting my claim. XX/XX/XXXX they reached back out and stated they were denying me claim.
Consumer complaint received 2021-07-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2021, I reached out with a demand to comply letter to TransUnion to express my frustrations that it has been well over 30 days ( 60 days at the time of the letter ). It's been over 90 plus days until this day that I haven't heard nor seen any information regarding the fraudulent inquiries on my credit report. I'm now asking you to hold them responsible and liable, according to Section 611 ( a ). Thank you.
Consumer complaint received 2021-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I placed an order from a website for an electronic, robot operated litter box. I never received shipping confirmation or tracking information and when I went back to the website it had completely vanished. I opened a dispute with PayPal since the payment was made via their services. PayPal then " closed '' my dispute because the " seller provided tracking information '' Upon reviewing the tracking information I found that a ) the package was supposedly delivered at a time when I was home. There was no knock, no postal delivery person and no package. The tracking information also said that the item was shipped via " parcel select lightweight '' which only covers very lightweight mail and packages. This litterbox would weigh in excess of 25 lbs and there is absolutely no way that it could be shipped via this method.
Consumer complaint received 2021-08-14
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: AMERISAVE MORTGAGE CORPORATION (CA)

On XX/XX/XXXX XXXX XXXX XXXX Loan Originator NMLS ID # XXXX With AmeriSave Mortgage Corporation NMLS ID # XXXX pulled mine and my husbands credit without consent. We only found out once we got your credit score disclosure in the mail. We applied for a loan somewhere else and he started calling multiple times so I talked to him. I never gave him our so local security numbers. I do not know how he had them.
Consumer complaint received 2017-12-27
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: ALLY FINANCIAL INC. (CA)

I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CT)

A few months ago I received a strange call regarding my credit and placed a credit freeze on all 3 credit bureaus. 

My wife and I are currently looking to buy a house and are applying for a mortgage. When I went to remove the freeze I had no problem with XXXX or XXXX but Experian said my request could only be processed by sending them a physical request in the mail. As I mentioned previously, I am in the process of purchasing a house so this was time sensitive and I overnighted the request with the proper documentation on XX/XX/2020. 

I have confirmation that the delivery was completed a week ago, on XX/XX/2020. I have received no correspondence in return from them. I have tried to contact them multiple times between now and then and have found it impossible to get a human on the phone. I have gotten stuck going in circles with their automated services giving me the same run around as online. Calling their corporate customer line I was able to talk to an operator. When I explained my issue the operator said she was going to connect me to " special services '' then hung up on me.
Consumer complaint received 2016-09-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CORELOGIC INC (CA)

XX/XX/XXXX I found out that the second portion of my property tax had not been paid. My lender XXXX XXXX XXXX has been using a third-party called CoreLogic. This third-party is responsible for the payment of the property tax. Since XX/XX/XXXX I have notified XXXX XXXX that there was a problem. I was continually told that the property tax was paid just to find out through my refi lender and through the county that the money was not received. A couple months ago I called XXXX XXXX again XXXX have XXXX way conversation with County about the amount of property tax that was due. After a thorough conversation of the amount that was owed CoreLogic did not pay XXXX XXXX in XXXX which added on another late fee. XXXX XXXX told me that CoreLogic had said they contacted County and the property tax was paid an up-to-date. I was finally able to reach an agent with CoreLogic and let her know what was happening. She told me to send her the message from County that there was still money due. The whole while XXXX XXXX is telling me that CoreLogic is saying that they do n't know anything and that I needed to pay the remainder amount of {$250.00} because it was not part of the property tax. Between XXXX XXXX and CoreLogic it has been over 6 months that I have not been able to refi my home and my phone has been up for grabs for the bank to put a lien on it. CoreLogic has been irresponsible in its dealings and has not make sure that the money being sent to county is the proper amount. They have kept me going around and around in a circle calling and having be on the phone for many hours trying to figure out what the problem is. I have a recording of my conversation with a XXXX XXXX agent who said that CoreLogic was saying the property tax was paid in full. I was told that I would have to send them a bill showing that the {$250.00} was from property tax which they knew it was from. I am demanding financial compensation from CoreLogic for the ridiculous hassle and worry they have caused me for over 6 months going back and forth trying to get this situation resolved and the whole time I could n't refinance which cost me money. They are a huge part of the problem along with XXXX XXXX who I am also seeking compensation from. If this is not settled I will be taking CoreLogic to small claims court and bringing along my recordings. I am asking for a {$2000.00} settlement.
Consumer complaint received 2022-03-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CA)

I initiated 2 transactions via TransferWise Ltd XXXX  Transaction 1 : XX/XX/120 USD Transaction # # XXXX Transaction 2 : XXXX Monday XXXX USD Transaction # XXXX Recipient : XXXX XXXX Recipient Country : XXXX
Consumer complaint received 2021-02-10
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. (FL)

I recently pulled my credit report from XXXX XXXX  and I saw a few hard credit inquiries that on my credit report without my knowledge. On XX/XX/XXXX, I contacted the credit bureaus and they stated that I need an FTC report to back my findings. I did not authorize any of these credit inquires. This is done by Fraud.
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

On the XXXX of XX/XX/2020 I received an email from citibank stating my account is been closed and I will be receiving a check of the funds in my account sent to the address on file. According to the bank policy it's going to take sixty days for the procedure. Its past sixty days, I dont have a check and whenever I call to check on the status, nobody seems to have any answers for me. I filed a complain a couple of months ago through consumer financial protection bureau before they sent me an email telling me why my account was been closed. After sixty days they telling me my account which is supposed to be closed, went from been under review to an investigation. I feel am been treated like this because am a minority business owner and am been put through all of this because of my race. I have not received any letter from Citi bank on any update and whenever I call they not willing to talk to me because my account is under investigation. They imploring all this delay tactics for what reason I dont know. They never gave me anything in writing through the mail and didnt receive a phone call to address anything. Am been treated like a criminal by this institution.
Consumer complaint received 2020-10-23
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: FORD MOTOR CREDIT CO. (GA)

I was checking my credit reports and ford motor company  of XXXX reported that I was late on payment. I have never been late so I disputed all credit bureaus. I called fmc of XXXX and they corrected the mistake and sent to all bureaus but one has not been corrected and that one is XXXX. Ive filed this dispute 6 times and I keep getting the same results. XXXX  says that fmc of XXXX says the report is accurate and fmc of XXXX says they sent over the information to XXXX to correct it but never gets corrected.
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (PA)

My mortgage provider has not paid my insurance from escrow. this happened all last year, payments/ refunds. I have since gotten a new insurance and keep saying they have mailed a check, we have called given the an over night address and it still has not been paid. YET, my escrow is in the negative and my mortgage payment has increased almost {$400.00} since they started servicing my loan. This company is an LLC and i have read so many more problems people are having with them