davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (NV)

I went to an atm to pull money from my chime credit builder account the atm malfunctioned during the process and said my transaction would be cancelled. However it wasnt the money was pulled from my account even though the atm said it would be cancelled. Ive reached out to both my bank and atm provider and neither are seeming to help. I dont have money to just give away
Consumer complaint received 2017-08-22
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. (CA)

For the last month I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact.
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (CA)

My van was towed XXXX times first time was XXXX/XXXX/XXXX by XXXX 's tow a charge of XXXX however i was parked in violation of XXXX rule. My ignorance was no excuse therefore i never complained or appeal the tow. However my vehicle was towed again on XXXX/XXXX/XXXX by XXXX tow again in the amount of XXXX and again on XXXX/XXXX/XXXX in the amount of XXXX however these XXXX tows was done illegally so i appeal to the XXXX XXXX court and was given a court date XXXX/XXXX/XXXX and the court deem the tow and any other fees be refunded. I called and disputed the charges with Discover on that day XXXX/XXXX/XXXX and a temp credit was awarded. Since then i have had nothing but a bad experience with the credit card company. It appears to me Discover is more concerned with keeping a merchant relationship as appose to taken care of the card holder. Its now early XXXX and i have a lot of corrospondence with Discover going back and forth and not giving my credit back to my acct or following a court order which is public record XXXX.
Consumer complaint received 2022-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OR)

In XX/XX/XXXX our mortgage payments increased by {$28.00} per month due to start in XXXX. We pay our mortgage on the 3rd Wednesday of every month prior to the due month ( ie payment XX/XX/XXXX is for XXXX mortgage ). Our auto pay bill payment did not adjust until the XXXX payment for XXXX mortgage, causing our XXXX payment to be short the {$28.00}. On the XXXX payment it shows the new payment amount due in XXXX. We were not aware of the underpayment and received no notification from the mortgage company ( XXXX sub serviced by XXXX XXXX ). It wasnt until late XXXX that I noticed that there was additional charges on our statements and my husband called to ask why. He was told we missed a payment and were paying in the rears. I called them again XX/XX/XXXX. I was then told that in XXXX the payment that was shorted {$28.00} was put into principal and the payment meant for XXXX was used instead causing us a late charge of around {$50.00} each month since. Now it shows our payment is late every month and in order to bring everything back forward we now have to pay an extra mortgage payment of {$1300.00} ( the adjusted mortgage ) and total extra charges added of {$200.00}. The most the mortgage has offered us is that they would remove up to 2 late payments of {$50.00}. This was all for being short one time of {$28.00} and not being notified so that we could pay that. I was on the phone with them for XXXX hour XXXX minutes, 5 people, 2 supervisors, and the 2nd supervisor hung up on me after telling me that I could not wait for anyone else to help and that someone would call me within XXXX  hours. I have not received another call as of today.
Consumer complaint received 2021-09-08
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: I.C. System, Inc. (AL)

XXXX has been harassing me since XXXX. They have gone through 6 different debt collection agencies, ( even using 2 different companies at the same time in XXXX  ), to put derogatory remarks on my credit report, when I did not use their services. I have even had to file a police report, showing that I didn't use their services. They deleted themselves from my report, and later filed again, using a different agency. They also flag my credit every 3-5 days. Even after reaching out to prove that I haven't used their services, and being told that they would leave me alone, they still continue to harass me. I have attached data below.
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VIRTUOSO SOURCING GROUP, LLC. (CA)

I filed for bankruptcy in XX/XX/XXXX and had it discharged in XX/XX/XXXX. The debt trying to be collected was from XX/XX/XXXX and included in my bankruptcy. I have mailed a certified letter to the company with proof and even disputed with XXXX and nothing is being removed. I am asking for help to remove this item. 

Company reporting it is : VIRTUOSO SOURCING GROUP Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Report Number XXXX Account Number XXXX
Consumer complaint received 2020-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

The follow accounts has caused me financial ruin. 
Capital One Bank {$690.00} XX/XX/2018 XXXX {$2500.00} XX/XX/2018 XXXX XXXX {$0.00} XX/XX/2018 XXXX {$0.00} XX/XX/2018 XXXX XXXX XXXX {$0.00} XX/XX/2018
Consumer complaint received 2020-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (PA)

I purchased a XXXX XXXX XXXX XXXX King size, XXXX XXXX BASE and TOTAL PROTECTION MATTRESS BED on XX/XX/XXXX at a XXXX XXXX store located in XXXX XXXX XXXX  XXXX XXXX in XXXX, PA. Total purchase value was {$8700.00}. 

XXXX XXXX, the salesperson at the XXXX XXXX store was helpful and knowledgeable. I had already decided to purchase a XXXX XXXX XXXX and planned to pay in full. Once I decided on the model, XXXX aggressively promoted a Deferred Interest Promotion ; no interest charges if the promotional purchase balance was paid in full by the Promotional Expiration Date of XX/XX/XXXX. 

I have been in XXXX and XXXX my entire career ( +35 years ). I appreciated XXXX persistence and was sure he earns some level of commission on a sale and/or promotional sales campaigns. I decided to help him out and finance a nominal amount of {$1300.00} ; I made a down payment of {$7400.00}. I know these type of financing promotions target low to mid-income customers to entice them to purchase. 

I then setup an automatic payment to pay the minimum amount of {$37.00} over 3 years and not worry about it. I pay all of my monthly recurring bills through automatic payment from my bank or through the Payees website. I started seeing late payment fees and interest charges because the draft was not occurring on or before the exact due date, which was happening around a weekend where the payment does not hit on weekend day. Timing. I spoke to representatives at Synchrony Bank who were clearly trained to stick to a script. They were not understanding or helpful at all, not necessarily their fault. The customer had become Synchrony Bank, XXXX XXXX XXXX third-party financing arm. 

Long story short, I came to realize that my credit score was dramatically lowered when co-signing on a car loan for my son. XXXX XXXX score dropped to XXXX ( Fair ) which I was shocked by. The auto dealer quoted me a finance rate of over 18 % due to my credit! I paid for the car in full. 

In hindsight, I wish I never agreed to sign up for their Promotional Purchase. I have always had a very good credit rating. When I read the fine print on Synchronys statement, it reads : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date of XX/XX/XXXX. 

I paid {$710.00} on XX/XX/XXXX which was the remaining applicable balance on the financed amount ( without late charges and interest charges ). I thought I honored the fine print but Synchrony continued to assess charges on my account. I then paid the balance in full including {$610.00} in interest and late charges. 

I am not asking to have the interest and late charges waived. I am respectfully asking that XXXX XXXX and Synchrony Bank please remove any derogatory information from my credit report caused by this situation. 

Thank you, XXXX XXXX
Consumer complaint received 2018-03-23
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. (IL)

I placed a security freeze on my account with all 3 bureaus last year. XXXX and XXXX had no issues placing and removing as the process is very much streamlined. 
I had to call Experian to add freeze, I was told that I would be sent a pin via mail when I asked over the phone they said they can't give me that and I have to wait for it. Never received it. 
Now I need to remove the freeze to allow a lender to pull my credit because I'm applying for a mortgage. I can't get through to a human through Experian 's phone system or web. I tried every customer service number I can find and even called a local number that I found on the web for a XXXX office. No matter what option I choose I always get sent to the automated system that asks me to mail confidential documents to a PO box . 
This is really abuse of priviledge, what authority do these people have to collect my information, charge me for not giving out my information and now they won't allow me to access that information when I need to access it. I will never ever deal with Experian to use any of their services again as I learned my lesson,
Consumer complaint received 2020-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (LA)

The follow accounts has caused me financial ruin. 
XXXX XXXX XXXX {$690.00} XX/XX/2018 XXXX {$2500.00} XX/XX/2018 XXXX XXXX {$0.00} XX/XX/2018 XXXX  {$0.00} XX/XX/2018 XXXX XXXX XXXX   {$0.00} XX/XX/2018
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A {XXXX} deposit was made on XXXX to a Bank of America branch in XXXX XXXX, CA to a checking account. The deposit was made via check. From this amount {XXXX} was withdrawn on XXXX at a Bank of America in XXXX, CA in the form of cash. Before the money was withdrawn I requested the teller to make sure the check which was deposited had cleared so the money could be used. The bank teller confirmed of the check having cleared. The {XXXX} was deposited in another bank. An hour after, I proceeded to make another withdrawal at Bank of America and my accounts were zeroed, because there was a stop payment placed on the {XXXX} check. I advised the other institution that Bank of America put a stop payment on the check, therefore, I demanded the {XXXX} to be returned to me. Bank of America over-drafted my account which is owned by my dad and I. Therefore, Bank of America is liable for releasing money on a customer 's good standing. For decades Bank of America has been advised to never release any money on any check if it has not cleared. Therefore, Bank of America is responsible to safe keep our deposits. Good standing of a customer will not stand on any withdrawal if a check has not cleared. The request has been made for many years and it has been ignored. There 's an overdraft of {XXXX} on one account, which Bank of America released on our good standing with the bank. That will not stand. I feel that none of my accounts are safe with Bank of America if that is their policy, and I was never advised of that. This is misleading to customers, when the good standing practice is used by the bank and money ends up in the account of somebody else.
Consumer complaint received 2017-10-05
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. (AZ)

No specific representatives name and email for Experian. Only through the website. Notarized letters sent via certified mail is the seventh attempt to resolve inaccurate information concerning : Experian Report # XXXX, dated XXXX ; report # XXXX dated XXXX report # XXXX, dated XXXX ; report # XXXX dated XXXX ; report # XXXX dated XXXX
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Mortgage was transferred to GreenTree servicing XX/XX/XXXX. We have had nothing but problems. 
1. Applied for loan modification under XXXX. They told us our mortgage/payments HAD TO BE CURRENT, and eventually only qualified us for a XXXX yr term. 
2. Called my employer ( School that I teach at ) and harassed me and disclosed our financial state with the school secretary numerous times. I was called/harassed at home numerous times even though we told them we filed Chapter XXXX. 
4. When I called to make payments, was told I had to use Speedpay and there was a {$12.00} fee. 
5. Often time, even now, I make my payments online and it takes them 2+ weeks to post them to our account. Often times, we are changed a late fee as a result. 
6. MOST IMPORTANT : We have NO CLUE what our balance is and what is going to principal or interest. We do n't get statements- they tell us we will not get statements since we filed Chapter XXXX although we did n't file it on our home/mortgage. 
7. WE ARE BEING CHARGED $ XXXX AS BANKRUPTCY FEE FROM GREENTREE. When I call and inquire ( numerous times ) they claim " We will look into and get back to you. '' THEY NEVER HAVE IN 2 YEARS. 
8. We had an overage in our impound account- Like {$4000.00}. When we asked to have that refunded to us, we were told numerous times " A check is on it 's way to you. '' We never got a refund. We were then told the overage was added back to our principal ( even though they will not give us a statement/ account summary of our balance so we could verify this. '' 3 months later, they sent us a bill because our impound account was short $ {$.00} 
9. We do n't know who our mortgage servicer is now- We have n't received a letter or statement in 3 months. We " heard '' on the news Greentree does n't exist and do n't know who to pay or call. 

We feel soo robbed, and ripped off. We are still being charged $ XXXX monthly for " bankruptcy fee. '' PLEASE HELP US!!!
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (NJ)

I made a XXXX transaction, paying someone, and XXXX informed me of a 3 % transaction fee for using my credit card on XX/XX/2020. I do not dispute that charge for a total of {$250.00}. 
However - unknown to me - Citi Cards considers XXXX transactions to be a Cash Advance. In addition they charge interest on Cash Advances " that are not paid immediately '' even when the consumer does not know they existed. 
As I just learned today, XX/XX/XXXX, on XX/XX/XXXX Citi posted a Cash Advance fee of {$12.00} as a percent of the XXXX transaction, and IN ADDITION, interest at a usorious rate of {$0.00} also posted on XX/XX/XXXX because ( per my phone call with their rep ) I had " not immediately paid the cash advance ''. 
I note further, that my Citi credit card bill was paid up in full prior to the current month. 
I called Citi today and they said " that is a known issue with XXXX ''. However Citi refuses to remove these charges. 
Furthermore, I have a concern that they will report my " getting a cash advance '' ( no cash was ever involved ) and that this has adverse implications for my credit score.
Consumer complaint received 2017-12-27
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. (VA)

Disputed items with XXXX, Transunion, and XXXX, all three came back as verified. XXXX XXXX XXXX had a write off bad debt. I have called XXXX XXXX about this and asked for the contract signed by myself till this day 4 months later have not heard from them. Sent all three reporting agencies asking for a Method of Verification. Since they verified these accounts during the dispute they should have all the information in there records. The credit reporting agencies had 15 days to send me the information it has gone well past this. I have never done business with XXXX XXXX XXXX so I know these are not my accounts. But XXXX is the only company that has had found them inaccurate and removed them from my report. So how is XXXX and Transunion still reporting these accounts.They never sent me the information that by law they are suppose to within 15 days. The Method of Verification was received by them XXXX XXXX XXXX by both XXXX and Transunion. These are not my accounts and for them to report these accounts on my report is violating the law. XXXX XXXX can not show a signed contract by me. These Items should be removed immediately if they really investigated the dispute like XXXX has done the would see these are not mine. They should be removed on the fact they have gone over the time constraints by law. I want to see how XXXX and Transunion verified these accounts and they need to be removed.
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 — Public record information inaccurate
Company: EQUIFAX, INC. (HI)

I first contacted Equifax on XX/XX/XXXX about my account showing a bankruptcy with the verifying contact being the U.S. Bankruptcy Court of XXXX. I then wrote to the Courts to verify this information and they sent me a letter saying that " WE DO NOT REPORT TO THE CREDIT BUREAUS ABOUT ANY INFORMATION FOR CONSUMERS ''. Equifax responded by saying they now confirmed the information with a 3rd party company names XXXX. 

I wrote to that company on XX/XX/XXXX and received a letter from them saying it was reported incorrectly and will be removing it from their records.

on XX/XX/XXXX I then wrote back to the XXXX people with information from the courts and not reporting that information to them as well as the NEW Information I Received from XXXX about taking the bankruptcy off of their records. 

For good measure, I then wrote to Equifax once more with all INFORMATION FROM THE BANKRUPTCY COURTS AS WELL AS THE XXXX XXXX ON XX/XX/XXXX. to which I am having as a response once again from Equifax saying they VERIFIED THE INFORMATION TO BE CORRECT FROM XXXX I ASK YOU HOW CAN THAT BE AS THERE IS NO SUCH INFORMATION FROM XXXX XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Volvo Car Financial Services U.S., LLC (NY)

Dear Sir/Madam, I am writing to file a complaint against Volvo Financial Services . My husband XXXX XXXX and I, XXXX XXXX XXXX, have had an outstanding credit score of over 740 for several years. In XXXX, we purchased a Volvo XXXX car and have never missed a payment. However, in XX/XX/XXXX, our payment was returned for an unknown reason, as our bank account with XXXX XXXX had sufficient funds. We tried to resolve the issue through the Volvo Financial website and by phone, but we were unsuccessful. It appears that the missed payment occurred due to a technical issue with Volvo Financial Services. We had enough funds accross all our bank accounts on the due date. On XX/XX/XXXX, the XXXX and XXXX payments were debited. Unfortunately, our credit score has gone down by over 100 points, which has destroyed our chances of getting the house loan we applied for this XXXX. This is despite earning a good monthly salary, having a reasonable rent, a low monthly payment for our Volvo car, and XXXX credit card debt. We demand that Volvo Financial Services take responsibility and immediate action to resolve our credit score so that we can move forward with our house loan. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ... XXXX )
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have disputed an account for XXXX XXXX on my credit report several times for several reasons with Experian and they keep updating the information as valid. The issue is XXXX has settled a lawsuit with the attorney general due to their predatory lending and other bad business practices from consumers who purchased car loans with them from XXXX. I am a victim of their predatory lending and other bad business practices. XXXX XXXX XXXX
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

Experian provides a misleading free trial report which turns into an automatic billing cycle. The worst part is after months of subsequently being charged $ XXXX/month, I am unable to cancel. They provide no capability to cancel online and require that you phone. After choosing the cancellation option via phone, you are put into a 2+ hour queue ( presumably, in hopes that you will give up and not cancel ). There is no call-back option or anything to assist if you are disconnected. After spending hours on hold and not being able to speak to a rep to cancel this service, I concluded my only option was to file this complaint.
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Derogatory InformationLearn more ... Print your report ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX   XXXX - BUREAU ACCOUNT DESIGNATOR DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE Equifax Individual XX/XX/XXXX - - - XX/XX/XXXX PAYS AS AGREED - COMMENTS ACCOUNT CLOSED BY CREDIT GRANTOR, BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY About is listed in my Derogatory Information on Credit report. Not sure why this listed. Paid the account. Needs to come off.