davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-10
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. (FL)

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- I have disputed this collection more than once from all credit bureaus. I also sent a BBB complaint to the original creditor where they in fact adjusted the breakdown even though it was not correct, the credit bureaus are reporting {$1100.00} more than what is owed to the company per their break down. Even though it should be even less than that. I want this removed from my credit as ALLEGED DEROGATORY REMARKS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS. MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ 1,000+ PER STILL UNPROVEN, UNTRUE INACCURATE, UNTIMELY, INCOMPLETE OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRITING COMPOSITION. The last dispute I submitted I attached a copy of the companies final response showing {$480.00} plus cleaning fee due which in fact is still incorrect as the company overcharged me for 12 months on my lease and they required me to pay a late fee many times when there should have been a credit. Since the Bureus did not valide the debt to it 's intirety as I requested more than once, I want it deleted and removed from my credit report. per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites toreport adequately and a challenge ( or dispute ) is lodged versus any data iformation previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid.If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW.As such, I DEMAND that you CERTIF.ICATE the verification and validity of the following claims or DELETE NOW.
Consumer complaint received 2019-10-03
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. I've been fighting with the bureaus for several months and they keep reporting this errorous information on my credit report.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2017-08-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc. (MD)

I have a XXXX 's XXXX credit account which is delinquent and was recently sold to a third party collection agency - Atlantic Credit. I received a letter in the mail regarding the outstanding balance but I have received no less than 5 calls per day since the beginning of XX/XX/XXXX. Not only do they call from their toll free number, I have received calls from a XXXX number in XXXX, VA as well as from a Restricted line. They do not leave messages from any of these numbers. On XX/XX/XXXX, I accepted a call from the restricted line to inquire who was actually calling. Atlantic Credit informed me they were trying to contact me before they had a local attorney take over the account.Upon speaking with XXXX XXXX and her supervisor, XXXX, I informed them both of my reason for the delinquency as well as expressed an intent to work out a payment arrangement. I also informed them both that I was at work and would not be able to accept calls during business hours and would have to call them from home during non business hours. On the morning of XX/XX/XXXX at XXXX, I received another call from the Restricted number but again they did not leave a message. I am interested in discussing a payment arrangement but I am not interested in receiving multiple calls from multiple numbers nor am I interested in feeling as if I 'm being harassed with threats of legal action or sarcastic comments regarding my intent to pay.
Consumer complaint received 2019-10-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a alert from XXXX XXXX about a purchase made in a different state then I live in, which I stated I did not make. Was asked if I had the credit card on me, stated yes and was told the number was copied and that the card was being closed for protection. I was told I am not responsible and to destroy the physical card and a new one would be sent. 

Several weeks later I received a letter stating the fraud case was not valid and I was responsible for the large amount charge. When asked why they would approve a large amount of a charge after just denying a larger amount I was given no clear answer and that I had to pay the charge. 

I tried to resolve this issue with XXXX XXXX and stated I could not have physically made this purchase has I live on the other side of the country and could prove my physical whereabouts. They refused to assist me and stated sorry but you have to pay the amount anyway. I was not offered any prove that my signature was signed or that my physical card was used. All they stated was that the case was closed and a chip was used, even though the card was in my hand at the time I was called. 

I am unsure how to protect myself from here or to have the charge removed. I have excellent credit and pay all my purchases on time. Do I have an recourse to rectify this situation?
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-03-30
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)

I have previously disputed the late payments reported on my credit report by this company XXXX XXXX with experian and nothing was corrected. 
I took out a small personal loan with XXXX XXXX over the summer. I have their app as this is the only way to use their services. When using the app, you are given the option to create a payment arrangement if you need to change the repayment dates of your balance due. Due to being financially affected by COVID 19 - I live in California and it has been bad here - I went on their app and made a payment arrangement that was approved by them. My loan was current at the time I modified my payment plan. Upon checking my credit report, I found that XXXX XXXX reported late payments on my credit due to a few of my payment dates landing after the 30 day timeframe of an otherwise " on time '' payment. I reached out and spoke with a representative named XXXX who advised that being that I did not specifically sign up for their forbearance plan, which I had no knowledge of as this was not advertised at all anywhere on the app pages. I found out that you have to search the FAQ section in order to locate this info, and was told that they can report late payments to my credit report even if I was current when I created the alternate repayment schedule through their app, because it was passed the 30 days. Per the Cares Act, if ANY accommodation is made in relation to repayment of the loan, ( for example, partial payments, forbearance, modifying, or any other relief ) Under the cares act, when a creditor agrees to a new payment plan with a consumer who was current at the time of the new arrangement, the creditor must continue to report the account as current. My account has since been paid off, and I find it absolutely disgusting that during this time, a loan company would be so determined to add to the ruin of people by not following the law. They claim that I was not current due to the payments being scheduled after the 30 day threshold, which is not accurate. My payment history with this lender needs to be updated to all current payments, and paid in full. The negative payment history needs to be removed immediately per the CARES act, that they keep ignoring. I have provided them with the information from the act, but I was told I was wrong. Report my account as current, and remove the late payments from my payment history. I was affected by covid and used the tools available by the lender to reschedule payments. This is affecting my ability to buy a home for my family.
Consumer complaint received 2019-10-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Today XX/XX/2019, I was given a check from the company I work for. The company banks with Chase bank. I proceeded to cash the check with an amount just under {$6000.00}. I walked into a chase branch and was told the check could not be cashed because it is over {$2500.00}. Because I am not a Chase account holder I should not be required to open an accoint or deposit the check elsewhere in order to obtain the funds represented on the check. I find it predatory that I would be required to do so.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Card opened XXXX XXXX-I was employed. Needed to rebuild my credit so took this card out with annual fee. XX/XX/2013 lost my job ; I had the coverage on card if I became unemployed>whereby it picked up the payments. Secured new job ; was told I could still use card. Fast forward to XXXX-I noticed my card was 'not available ' for use. I called Capital One and was told the account was closed due to lack of home address ... my mail goes to a XXXX XXXX . Ok, so they closed my account without telling me. Then I asked for the yearly fee or a portion to be refunded and was told 'NO '. My recent conversation with them I spoke with XXXX-he told me I only had 40 days from date account was closed to request that refund. Now ( A ) I never knew the account was closed and ( B ) how come not one other agent ever told me this policy? I want a full refund of the {$60.00} annual fee. It's not my fault this company neglected to secure all proprietary information. and if the original bank who wrangled me into this account sold it off to Cap-One - again NOT MY PROBLEM. I want a credit on my account and will never ever use this bank again.
Consumer complaint received 2017-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CMI Group, Inc. (SC)

Company has re-aged a debt and placed it back on my credit reports after being removed multiple times. Re-ageing an account to make it look as if the debt was purchased in that year/month is against the law.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TX)

i disputed this account because it was a fraud account i never had a car or purchased a car with SANTANDER CONSUMER USA they are sending me letter harnessing with phone calls and sending letter i was in college my purse was stolen i have never has account with this company
Consumer complaint received 2022-04-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SD)

Mr. Cooper took over my home loan in XXXX with the first payment due in XXXX. My husband and I do not share bank accounts, therefore ; we each pay half of the monthly payment out of each account. The first time I made our payments, they were applied to principal. In mid XXXX I recieved a late notice, so I made another full payment. I called and they helped to adjust my payment and told me how to make the payment going forward. I followed those steps, and even made a payment early to ensure it would be applied correctly, and again, my payment was only applied to principal. I called again and was told that my account hierarchy could be changed to suspend the payments I was making until the full amount was recieved. Then, the other half of my payment came out, applied to principal, and they sent me a notice that I had funds in suspense and if I didn't make the rest of my monthly payment, they would return the funds that THEY suspended. I called again and was told that they don't even accept partial payments, then when I spoke with an escalations representative, they said the person that was supposed to change my hierarchy, made a mistake. No one at this company knows how the product works and people are going to lose their homes because of it.
Consumer complaint received 2021-07-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc. (OH)

The call came at XXXX XX/XX/2021. Caller ID : Toll Free Call XXXX I was already on another call and when I answered the call, the lady asked to speak to someone I don't know. I told the lady the she has the wrong phone number and to stop calling my phone number looking for the person.
Consumer complaint received 2017-08-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (NJ)

I have tried several attempts to resolve this issue with Santander. Santander seems to be overlooking several aspects of my claim. As of today XX/XX/XXXX I have received the tittle to my XXXX XXXX, however have not received any additional funds that were overpaid. Santander overcharged me thousands of dollars, repossessed my car illegally and continue to overlook the situation. If this is not resolved and the money is not refunded, I will have no choice but to pursue further legal action against Santander for Consumer Fraud. 1. On XX/XX/XXXX- The principal owed on the account was XXXX XXXX. ( see attached letter confirming ) the original payment amount was {$380.00} not {$380.00} per the documentation provided by Santander, again a clear sign of consumer fraud. 2. On XX/XX/XXXX the loan was modified based on a balance that was grossly overstated - the modification stated that the Principal balance was {$18000.00} ( see attached letter ) On XX/XX/XXXX when the account was transferred to Santander from XXXX the principal balance was $ XXXX.Santander overcharged me by {$2800.00}. This is a clear fraud. 3. On XX/XX/XXXX the account was modified to lower the initial APR from 13.89 % to 10.14 %, however Santander claims that this was incorrect. How can this be incorrect if Santander confirmed receipt of the modification agreement. ( See attached letter ) the new amount should have been {$270.00} instead Santander charged me {$380.00} The vehicle was repossessed on XX/XX/XXXX a payment of {$1200.00} was made via cc on the evening of XX/XX/XXXX. The car should never have been repossessed. The difference of this was {$1800.00}. plus the repossession fee of {$460.00} for a total difference of {$2300.00}. It is not my problem if Santander fails to keep accurate records. I was offered a modification on XX/XX/XXXX the modification was received by and accepted by Santander. Santander has clearly committed fraud by overcharging my account almost {$6000.00}. If Santander wishes to overlook this I will file a consumer fraud lawsuit against them, where as they will have to pay triple damages including my attorneys fees and cost. It is to the best interest of Santander to settle this as soon as possible. I will further send this information to the Attorney Generals Office for review. As a settlement I am willing to accept {$5000.00}. I have provided all the necessary documentation to prove the fraud that has been committed by Santander. Thank you -
Consumer complaint received 2019-10-03
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE BEEN UNABLE TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. THERE IS SO MUCH THAT I AM TRYING TO ACCOMPLISH AND I CAN NOT DO SO BECAUSE OF SOMEONE ELSE 'S SELFISH ACT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE DEROGATORY ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2019-10-30
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 (MN)

Hello I changed my payment account on my XXXX card credit card from XXXX ( I closed that ) to XXXX XXXX account. I did it with the online app. I have been a member with Capital One since XXXX, and my account was always on autopay. When adding in a new billing account ( XXXX XXXX  ) in XXXX using the online banking app there was never any prompt or message that my autopay was being discontinued. To my knowledge my new billing account ( XXXX XXXX ) would be auto drafted at the next billing cycle. This, however, did not occur. I was unaware that I was transitioned into manual pay, and furthermore unaware that my account became delinquent! I received an email on XX/XX/XXXX from Capital One that my account was 30 Days late. I immediately made a payment in the amount of {$350.00}, which is considerably more than the amount due. Today I received a new email from XXXX XXXX that my credit score decreased nearly 100 points due to a report made from Capital One that my account was 30 Days delinquent. I called Capital One this morning to resolve this issue. They told me the new account was not on autopay, it was my responsibility to make sure it was on autopay per the Terms and Conditions I agreed to in XXXX when I opened the account. Again, I was not aware when adding a new billing account that it dis-enrolled me from autopay, nor was I notified it would do so. I have been an account holder with Capital One since XXXX and have never had one late payment, nor any other late payments from any other financial institution. My credit report, until this blemish has been impeccable! I will absolutely make sure a late payment is not made on my account in the future, however I Kindly ask that Capital One retract or/and dispute the 30 Day Late report to credit bureaus. Further, I recommend making it clear on the app that clients need to update their autopay preferences when adding a new billing account to their account. Had the app instructed me to update my autopay preferences none of this would have been an issue!
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have experian remove these negative marks remove as well, the other XXXX bureaus have already removed except experian, i have tries to upload these letters to experian but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from experian thank you
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX XXXX XXXX sent a past due balance ( which I was unaware of ) to the credit bureaus as a charge-off. I was told this account was paid off. XXXXXXXX XXXX XXXX XXXX ( whom I currently lease another car with ) was not calling the correct phone number to ask for this payment. I have tried changing this number several times and by their errors, was not changed. My credit score dropped over XXXX points on a balance I was not aware of. I spoke with several representatives and supervisors who refused to acknowledge their errors. As soon as I was told ( after sent as a charge-off ), I paid the balance. I asked for them to remove the charge-off and for their " no remove '' policy and report it accurately but they refused to. Very shady and unethical practices. They should be investigated as they have several similar complaints. 

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