davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I have a AMEX card that came with a points bonus for spending so much money within a time frame. However after two months without getting my bonus points I am fed up.I have called and spoke to reps online to no avail ... I keep getting the same answer that they are having technical issues, which is XXXX. I completed my end of the contract but they are not honoring there part of the contract, this is a classic breach of contract. My most recent contact came today ( XXXX/XXXX/XXXX ). I completed my end of the contract in XXXX and I should have gotten the bonus at the end of XXXX.
Consumer complaint received 2017-09-21
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. (GA)

I have notified XXXX XXXX that they are inaccurately reporting that I was late XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Consumer complaint received 2021-09-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

This is the last and final time I try to remedy this situation, or I would like to take legal action in civil court for defamation of character. creditor is in noncompliance with the FDCPA & FCRA By continuing to report false, inaccurate, unverifiable Items on my credit report creditor has not responded to my last five letters but states a response was sent. through my CFPB complaint they sent copy their response which are clearly inaccurate and incorrect. I have never received any response because creditor has inaccurate billing address on file. If any Investigation took place it is clearly inaccurate, how can you verify invalidate in item that does not match my state identification card. the fair credit reporting act states creditor must be able to provide original copies of contract bear in my wet signature, creditor states copy of contract were sent and that is a lie. Creditor sent all copies in there CFPB response and no such copies appear in the response given. No consumer contract with my wet signature was provided as the creditor stated, nor is billing address balance CORRECT OR CONNECTED TO ME, payment history is incorrect AND IN ACCURATE ON ALL CRA 'S. XXXX HAS A PERFECT PAYMENT HISTORY AND AT THE SAME TIME XXXX IS REPORTING A COLLECTION WHILE XXXX AND ZERO KNOWLEDGE OF THIS ACCOUNT.This creditor also states I made a recent payment of {$6.00}, false and against the law. If any payment was made, then Please provide copies of transaction statement that clearly shows I made a {$6.00} payment. if this negative reporting continues on my report, I am going to take legal suit against Toyota and the cfpb for allowing this to continue. Creditor is reporting incorrect accounts to addresses I DO NOT LIVE AT NOR IS THE ADDRESS ON MY STATE ISSUED ID.
Consumer complaint received 2020-10-26
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: JPMORGAN CHASE & CO. (NJ)

I am and for years have been the holder of a Chase Sapphire Credit Card. Since XX/XX/20 Chase has been charging me for principal I do not owe and interest on those charges. Since that date I have paid only for new charges. I have written Chase 10 times since that date but have been ignored each time although Chase has confirmed receipt of my messages. Chase has refused my request to have a Supervisor review my account. Chase has refused to talk to my designated attorney, my husband. Chase has agreed with me on certain disputed items but has not removed them from my account. Chase has charged me for items they refused to pay. Chase ignores me ; hopefully they will not ignore you. The current amount in dispute is {$3700.00}.
Consumer complaint received 2017-09-21
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. (GA)

I have notified Dept of Educatiion that they are inaccurately reporting that I was late in XXXX 2017. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late  reportings removed from my credit file. 

There are 3 XXXX of XXXX Accounts that are reporting inaccurate late payment.s
Consumer complaint received 2020-11-26
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports per TXXXX XXXX and XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX  add a hard inquiries on my credit reports per XXXX XXXX and XXXX. 
On XXXX XXXX, XXXX, CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports per XXXX  and XXXX.
Consumer complaint received 2018-07-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CO)

My name is XXXX XXXX and I have owned my home for 3 years and am in danger of losing it due to servicer negligence and an avoidable foreclosure. I am a veteran of the XXXX XXXX XXXX and was able to refinance this property with a VA loan. Due to a temporary hardship I fell behind on my mortgage payments and have been working diligently to get back on track with my servicer M & T Bank. I made the lump sum payment I thought would get my account current in XXXX, only to find out I was still behind due to all the fees and other charges they had levied on my account ; also, there was confusion due to another change in loan servicers ( there have been multiple changes in the short time Ive had this loan ). 

I could not pay anything more and decided to try to get my loan modified. I submitted multiple packages for review and after multiple denials I was finally approved for a trial modification. I made the first two trial payments, but then I was alerted that a small lien placed on my property by my homeowners association ( stemming from the same hardship period ) was going to cause M & T Bank to revoke my modification. That happened on XX/XX/XXXX, XXXXand M & T Bank then felt it necessary to set a foreclosure sale date for XX/XX/XXXX!!! I got them to postpone that sale date, but they rescheduled it for XX/XX/XXXX. 

I can make the agreed monthly mortgage payment but M & T Bank is not giving me a chance to get my mortgage back on track by rushing to sell my home so quickly. I am a XXXX XXXX XXXX veteran and am now a hard working employee of the XXXX XXXX XXXXXXXX. I also volunteer often with my churchs XXXX XXXX XXXX. In other words, Ive served my country in the military, I work now in a XXXX XXXX, and I continue to give back to my communityI do not deserve this treatment by M & T Bank. My hardship was temporary and I am back on my feet and able to afford the mortgage payment.
Consumer complaint received 2018-07-22
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. (WA)

Equifax will not removed my fraudulent accounts. This is Defamation of character and willful injury. XXXX and XXXX has remove the accounts after sending them the same information I sent Equifax. This is poor reporting practices.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (OH)

Citi Bank has allowed me to go way over my credit limit (twice) and they expect me to make that monthly payment and include the total amount they let me go over!  This wasn't just one purchase, this was several.I feel that unless they text/call you or you contact them ahead of time, they should not allow their system to let you exceed that limit.I don't feel that this is fair practice!!  Sure it's nice if it's something you absolutely have to have, but contact the consumer first!I am livid over this!! I actually work for a major credit card company and we would never allow someone to go over their limit unless the customer contacts us first.  That limit is there for a reason.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (CA)

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates nor any medical action with their affiliates nor my family. they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with XXXX XXXX. I have provide everything that i was told to do by the CFPB, FTC and the Police department to show this account is fraudulent and that someone is using my information to obtain fraudulent services under my name and information
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  account # XXXX
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I been trying to get Experian to update my address since 2020, XXXX has inaccurate information on my report since 2020, XXXX has inaccurate information on my credit report since 2020. I have paid credit repair company to repair and remove those inaccurate information, I cant get approval for a mortgage until I take care of this. Now going on the third year. This is insane.
Consumer complaint received 2021-09-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I received your correspondence on this alleged accounts stating you verified and updated these accounts XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX Trans XXXX XXXX XXXX  XXXXTrans XXXX  XXXX XXXX XXXX XXXX Trans XXXX XXXX XXXX XXXX Trans XXXX XXXX was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2018-07-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (VA)

I contacted the companys corporate number and the company itself in person when making a payment. The loan steadily increases, I spoke with the customer service person at the corporate office he told me he couldnt gone me the exact amount my late fees are. Its just charges on the account, I asked for a breakdown off how much I have paid they told me they couldnt tell me the amount. Its the worst place to contact and please never get a loan or line of credit from first Virginia bank, payday loans are better.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ascendium Education Group (AZ)

us dept of education and ASCENDIUM EDUCATION is still showing my account as past due/collections/late payments even though all student loans have been deferred due to covid-19.I have disputed these items many times but they still won't correct it and it's really hurting my credit.
Consumer complaint received 2018-04-02
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: Experian Information Solutions Inc. (NC)

My husband and I are attaching a copy of the investigation request we sent to XXXX back in XX/XX/2017. Despite several attempts to follow-up, we have yet to receive the results of our credit updates.
Consumer complaint received 2020-11-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (NY)

On XX/XX/XXXX I called XXXX XXXX XXXX located in XXXX NY to find out how I would handle the lease end during Covid19, my lease was expiring on XX/XX/2020. 
I was advised by the Sales Manager XXXX that I could turn my lease in early with no penalties and that I could smoothly transition into a new lease without owning the last 2 months of payments. The car was delivered and we exchanged cars on XX/XX/2020. 
I received numerous letters from Kia Finance ( will attach in other section ), every time i received a letter stating that i had a balance due because of early lease termination I was advised by XXXX the sales manager that I should ignore them because the dealership cut a check and the account was closed and the vehicle was being picked up by Kia XXXX. One the last letters that I received stated that I owed XXXX XXXX called kia Fianance to dispute this and he was told that this money was owed because the lease was turned in early. XXXX told them Kia Fiance offered an early termination deal with no penalties and that I idid not owe the money. I was later advised by Mr XXXX ( owner of dealership ) that Kia Finance was incorrect with their statement and this money was owed due to a mileage overage, which XXXX also told me I would not be responsible for being over the mileage because i was " family '' and a repeat customer. 
XXXX said not to worry, he would straighten this out, and then i later found out he was no longer employed, the owner Mr XXXX would not help fix things, instead he gave me a credit of XXXX to purchase items from the dealership. I ended up paying the XXXX to Kia Finance in XXXX, I was told I would receive a paid in full receipt that i could submit to the credit agencies within 10 business days, originally i was told that they would email me the receipt, in calling back other times, I was told they could not honor that because of security reasons and working from home to due COVID, I was incorrectly advised and I was assured the receipt was being put in the mail, to date i still do not have it, I have called many times with no satisfaction. I was then contacted by my credit card company XXXX they were notified by XXXX XXXX and XXXX  of this delinquent payment which resulted in my accounts being frozen and ruining my credit. I feel the actions of Kia Finance are fraudulent along with the 3 credit agencies I mentioned above, one of the attachments clearly shows the account being paid off and closed out, and I never made a late payment. I need to have the 2 late payments expunged from my credit reports. I will never do business with the XXXX dealership again, I got a major run around, I am in the process of trying to relocate and obtain a mortgage and I was advised that I can not until this issue is resolved.
Consumer complaint received 2018-07-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (ND)

XXXX XXXX XXXX ( XXXX XXXX XXXX Card ) bought the account I had with XXXX XXXX and garnished my wages. I had been trying to establish a payment t plant with XXXX XXXX but they told me I would have to pay {$300.00} to bring my account current before they would accept a payment plan. I turned to XXXX XXXX XXXX XXXX for help with a Debt Management Program in XX/XX/2017. I added both of these vendors to my debt management program XXXX XXXX in XX/XX/2017 with XXXX payment every month and XXXX XXXX XXXX payments being XXXX a month also starting in XX/XX/2017 and 1 payment of XXXX in XX/XX/2017. 
I had tried to contact them several times to set up payment arrangements, emailed, etc with no response. I received garnishment papers in XX/XX/2017. They garnished my wages for a judgement amount of {$1200.00}. After receiving the garnishment paperwork I stopped making payments through XXXX XXXX to MCM & XXXX XXXX. In the mean time XXXX XXXX accepted {$250.00} in payments from XXXX XXXX and {$400.00} was accepted by MCM from XX/XX/XXXX thru XX/XX/2017 for XXXX XXXX  and XX/XX/XXXX thru XX/XX/2017 for MCM totaling {$650.00} in payments in addition to {$1200.00} ( the amount of the judgement ) judgement number XXXX dated XX/XX/17, ( long after already accepting several of my payments thru XXXX of XXXX ) bringing the amount they received from me {$1800.00} dollars! I would assume that because the judgement amount was for {$1200.00} and between both vendors they collected {$1800.00}, I would receive the over payment amount that was paid. I feel like I was taken advantage of and pushed around by a bully lawyer and credit card company and they knowingly stole money from me. 
XXXX
Consumer complaint received 2018-07-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

XXXX  XXXX 1 ) XXXX Report Account # XXXX Original XX/XX/XXXX Account Status Closed Payment Status ******* Paid, XXXX balance ******** Status Updated XX/XX/XXXX 2 ) Equifax Report, Account # XXXX Original Creditor Date OpenedXX/XX/XXXXAccount Status Closed Payment Status Pays account as agreed Status Updated XX/XX/XXXX Usage Balance {$0.00} Balance Updated XX/XX/XXXX3 ) Transunion shows derogatory and a charge off. 
Account # XXXX Original Creditor Company Sold Account Type Installment account Date OpenedXX/XX/XXXX Account Status Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXXPlease update the credit report with Transunion as this account is in good standing. I paid as agreed and I should not have a derogatory mark on my report. 
XX/XX/XXXX Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-06-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Subject : Care Act - Deceptive Forbearance Mortgage Practices by Carrington Mortgage. 

Carrington Mortgages Services, LLXXXX. are engaging in deceptive forbearance practices. 

Carrington Mortgages Services XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, CA XXXX United States Approximately 2 months ago I called Carrington Mortgage LLC that presently holds my VA Mortgage Loan to ask for assistance with my mortgage loan due to the financial national turn of events caused by COVID Virus. 

They agreed to a forbearance relief, and originally told me over the phone that my mortgage payments would be placed at the end of the loan. 

The original agreement was for only 3 months but they would be there to assist if I required more assistance. 

Again, I agreed. 

Most recently, last weekend after I checked my physical mail and I noticed that I had received a letter from Carrington, they illustrated that I was late on my payments. 

I tried calling them XX/XX/2020, which was the following day but their offices were closed. 

On the XXXX which was that following day, I finally got in touch with them and I was told the truth about this scam. 

On this call to Carrington Mortgage, I was told though I was on a forbearance the payments are accumulative and were to be paid in one full lump sum. 

I have no idea where to turn to, please assist. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VETERAN
Consumer complaint received 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (GA)

I requested a copy of my entire servicing file from Caliber Home Loans as provided for under XXXX XXXX XXXX  since XXXX XXXX, 2018. Caliber has failed to comply with my request to date.
Consumer complaint received 2018-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

In XX/XX/2018, on the XXXX I think, my loan was sold to XXXX from XXXX XXXX. During the transfer my principal balance was inflated, a payment was not posted, late fees were assessed, and my monthly payment has increased. 

I reached out to the new company by phone and email. They claim to have fixed it all. They did finally add the payment and remove the late fees after a month. However, the initial transfer principal balance looks to still be in error and the monthly payment amount is still in error as well. 

Additionally, on the XXXX XXXX side I went to my old account to get more material to strengthen my ground for complaint but less than a month after the sale my records are no longer there for my access despite the account being active. XXXX XXXX did not give any overt warning that my only means of saving this information would be prior to the transfer. If I had not printed copies of my monthly payment I would be in a very poor position.