davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I received a auto loan from Credit Acceptance in XX/XX/XXXX. In XX/XX/XXXX or XX/XX/XXXX Credit Acceptance sent for my car to be repossessed. I was forced to pay over {$300.00} to get my car back. Upon investigation of their claim of a past due amount, Credit Acceptance admitted that the REPOSSESSION was an error, and my account would be credited for the repossession/ storage fees. I paid the loan off in XX/XX/XXXX. The lender claimed I still owed money in XX/XX/XXXX, so I requested a detailed statement of account payments. The information provided was not clear and only confused matters. So I added all payment amounts posted by Credit Acceptance and it showed I was all paid up but they still refuse to release my title to car. 
In XX/XX/XXXX, Credit Acceptance sent a repossession company to my house to extort me for a payment or they was going have them take the car. They also reported to the major credit reporting agencies false information, claiming account is closed even though there is a clear dispute with regards to amounts left on record as owed. Credit Acceptance still have not released the title to my car and they continue to have negative remarks on my credit reports preventing me from getting future loans and better rates or services.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (RI)

I placed an online order with Home Depot in the amount of {$110.00} ( the total purchase was {$160.00}, I used a {$50.00} gift card to reduce the amount to {$110.00} ) to be shipped to the local HD store. When I got the confirmation email, it showed that the item was being shipped to the wrong store ( one far away from where I live ). I called immediately to fix it and I was told the only thing I can do is cancel and then redo the order, which I did. A week later I picked up my item. 

My problem is they never refunded the order I cancelled. I called their credit department and they confirmed the charge was still there. I was told I need to speak with the website people to resolve it. The website people told me I need to go into the store to resolve it. When I went into the store, the people told me I need to call customer service. Then I was told the issue has been resolved and the charge should come off my account within the next 3-4 days. That was over 2 weeks ago. 

I have since spent over 4 hours on the phone with HD Online, HD Credit and HD customer service workers that are unable or unwilling to refund the fraudulent charge. Most recently I was told I can open a complaint and that it would be reviewed in 6 weeks. That is unacceptable to me. 

The original purchase was made on XX/XX/2022. The order was cancelled on XX/XX/2022. As of XX/XX/2022 the charge remains on my card and despite over 6 hours of time invested into this I have made 0 progress with anyone at Home Depot in regards to a refund.
Consumer complaint received 2019-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MD)

Sequium Asset Solutions , LLC on behalf of XXXX XXXX XXXX ( XXXX XXXX  XXXX, XXXX XXXX. {$3000.00}. Notice Of Judgement Collection. I contacted an Attorney and Submitting A Letter Of No Responsibility for Debt due to Identity Theft Or Fraud ( XXXX XXXX XXXX XXXX. - Acct. # xxxxxxxxxxXXXX ).
Consumer complaint received 2018-05-31
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NC)

On or around XX/XX/XXXX I received an email stating that I would get a FREE APPRAISAL, NO DEPOSIT AND A {$500.00} REBATE once I closed the loan. At the closing I noticed that I was charged {$400.00} for an appraisal but I closed anyway knowing of the letter that implied a rebate of {$500.00} and a rebate of {$400.00} for the free appraisal. When contacting the company they said that they were not going to refund me the {$400.00} but would send me a check for {$500.00}, which they did. 

The appraiser requested the house be painted. So I sent an estimate in of {$1900.00}. 
They held as a " hold back '' at closing {$3000.00} to be released once the house was painted and approved by an appraiser. This was done and a request for the funds to be released was denied and only {$1900.00} was released. No reason was given except this was their policy. However, I have a letter stating that ALL funds will be released once the painting is completed.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NY)

In XX/XX/1996 we got a mortgage for {$75000.00} for a new home. It has been 22 years with an average monthly payment of $ XXXX+- and the mortgage has been sold from company to company 5 different times. We are now in a financial crisis and asked for a payoff statement. This statement is more than the outstanding principal and is still over {$70000.00}. We've been paying over 20 years and did have some difficult times but home can more than 90 % of the loan still be due. I'm sorry that we were young and maybe a bit nave 22 years ago but we have definitely been toyed with by these mortgage companies. How can we resolve this? ( 22 years with avg. {$400.00} payment is $ XXXX how can they do this to us?
Consumer complaint received 2017-07-29
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: Conn's, Inc. (TX)

These accounts below are not mines and I have disputed this before. I have also provided a FTC fraud report in the past.
XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving NegativeXX/XX/XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Revolving Negative XX/XX/XXXX These two accounts are the same and should not be posted twice to my report.
XXXX XXXX XXXX  XXXX XXXX - - Installment NegativeXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - - Installment Negative XX/XX/XXXX This account below is more than 10 years old. XXXX XXXX XXXX XXXX XXXX XXXX - - Installment NegativeXX/XX/XXXX
Consumer complaint received 2020-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have a checking account with Huntington Bank. It's been more than once the bank updated my contact information without my knowledge, and then they do that my password is being updated so that I will not be able to access my a coint at crucial times. I need an criminall investigation on thos. Also CFB is not taking my complaints seriously as they never contacted me about any of my complaints in the past and that's the whole reason the problem is recurring.
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

I received a check from a sugar daddy for XXXX dollars around that amount. And the check wasnt fraudulent cause it cleared and my chase bank made the funds available. Not even a week or 2 went by and XXXX was missing from my account through their quick pay service which I didnt approve or have knowledge of until I had logged onto my mobile banking app for chase which means my account was compromised I called them as soon as it had been brought to my attention put a claim in and waited a few days to check on my claim XX/XX/2019 I called and they told me my account was restricted and they were cutting ties with me but Id receive my temporary credit XX/XX/XXXX which I was okay with. XX/XX/2019 I receive another notification from my online banking which Im not allowed into stating my account was overdrawn for {$1400.00} which shouldnt be possible if my account was restricted meaning my account is still being compromised till this day and now Im being told my {$350.00} wont be given to me and my account will overdrawn and - {$1400.00} which is unethical I want my account back to its {$00.00} standing and my XXXX refunded to me. Also cant attach documents cause they wont let me in mobile account which is still being compromised
Consumer complaint received 2018-03-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IN)

On XX/XX/XXXX I faxed the property tax statement to Amerihome as requested loan XXXX, I was told they will adjust the escrow for the XX/XX/XXXX payment and I would get a call in 3 days about the change. I did not get a call. However I never get the accurate information from XXXX  since they took over the mortgage, it has been a poor relationship.

On XX/XX/XXXX I get my updated mortgage statement, and the escrow was increased. not decreased as expected they have {$2400.00} for property tax when the tax statement is {$970.00} for the XX/XX/XXXX year. I called and they showed no record of the statement, until I gave them a date when the fax was sent, and received. Then they located the information, again I was told they will do the correction and give me a call in 3 days. I told them I will not expect a call because I was told that in the past and it does not happen, I can not get any correct information in any matter with this company since XX/XX/XXXX of last year. There service and trust is very poor and disgusting.
Consumer complaint received 2024-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CrossCountry Mortgage LLC (FL)

On XX/XX/XXXX, I received an email from Cross Country Mortgage LLC XXXX XXXX department that I completed trial modification and am approved and in a permanent workout plan. I signed and returned approved forbearance agreement on XX/XX/XXXX. The loan was current upon entering forbearance term. Forbearance term is from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, they reported to credit agencies I was current, CP forbearance. On XX/XX/XXXX, they reported me 30 days delinquent and that the loan was transferred. I was not delinquent in the month of XX/XX/XXXX. From XX/XX/XXXX to today, Ive sent countless emails and have spent hours trying to get this resolved. On XX/XX/XXXX, I spoke to a representative named XXXX ( XXXX ) who stated that on XX/XX/XXXX they reported me 30 days delinquent and that the loan was transferred, when it shouldve been reported current, transferred and CP forbearance. XXXX told me to hand write a dispute, take a photo of it and send back with credit reporting snapshots. XXXX confirmed that the reporting on XX/XX/XXXX is inaccurate and needs to be updated to current, forbearance and transferred. Despite all my attempts including sending in this dispute, plus all documentation showing forbearance agreement and email stating I completed trial modification and that Im in an approved and permanent workout plan, I received a letter on XX/XX/XXXX stating that Im in default. Additionally, I requested they send me documentation stating Id be reported to the credit agencies prior to executing forbearance agreement and they have both verbally stated and written in email they did not send me notice of credit reporting and do apologize for the inconvenience but that there is nothing they can do and they stand by their credit reporting and letters of default.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MS)

Synchrony/Amazon  Credit Card XXXX XXXX On XX/XX/2021 I received a refund from Amazon.com website for a Heat Press I returned to them, But BEFORE the refund from the website I paid my Amazon Store Card to a ZERO balance on XX/XX/2021. On XX/XX/2021 Amazon Store Card sent me a refund check in the amount of {$420.00} then as of XXXX AFTER issuing me a refund check they said my balance I owe was {$420.00} which is FALSE I have documentation to back this up. I do NOT owe anything as this was a refund from Amazon website. I want this resolved, I have called Synchrony/Amazon credit card company at least 10 times regarding this since XX/XX/2021 with NO LUCK or RESOLVE. 

Because of what Synchrony Bank/Amazon has erroneously done/charged to my CLOSED account it has lowered my credit score by XXXX pts, I was at almost XXXX  pts. and now because of this I'm at XXXX pts.
Consumer complaint received 2019-10-29
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: EQUIFAX, INC. (MD)

I have paid off all debts I have no negative history I have zero credit inquiries and have had a credit card from XXXX : XXXX  XXXX XXXX - XXXX : XXXX XXXX XXXX XXXX   / XXXX XXXX . XXXX XXXX. You only show the XXXX card on my history. Every month I pay all my bills on time plus car loan that you have on file, but no increase in points, and another car loan paid off in good standing and that did not move my score not even by one point,?? Why is this??? I have three As a B and C instead of Cort factor and if you look that up you will see 800s point score.

Exceptional= Financial debt 0 % Exceptional= credit usage 0 % Exceptional= payment history 0 % negative Excellent = age of credit 3.. years, even though its actually over 10 years Good = Mix file that are open 2 Exceptional = credit inquiries 0 % Im supposed to have XXXX not XXXX Age of credit, is suspect with Equifax because Equifax has on file XXXX credit card in XXXX. but do not showing up in age of credit? I asked Equifax to look into this and they gave me this case number XXXX can you guys fallow up on this case for me.
Consumer complaint received 2024-03-16
Product: Credit 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: GOLDMAN SACHS BANK USA (FL)

I live in XXXX and am XXXX, but I own a house in Florida ( worth about XXXX XXXX ) and have bank accounts with XXXX XXXX Bank and debit cards. I have been in the XXXX for over 15 years and have also had a company there since 2016. I have a tax number but no social security number. I also have a XXXX driver 's license and a XXXX XXXX. Now I wanted to apply for a credit card at Apple, but they say that this is not sufficient due to a lack of credit history and their check! 

Translated with XXXX ( free version )
Consumer complaint received 2017-12-29
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX/XXXX Inquiry from XXXX XXXX, XXXX + Complete Dept. Stores XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Services, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX , XXXX. 
Inquiry from XXXX XXXX, XXXX + Telephone Companies XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX-XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Misc. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX + Misc. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I realized that there was fraudulent activity in my checking account. Someone had stolen my checks, and was cashing them. I flagged this to US Bank, filed an affidavit for each check that was fraudulent ( a total of 5 ), and also completed a police report as well as a written statement. After jumping through all of US Bank 's hoops, I received noticed that I would not be receiving reimbursement ( ~ {$1700.00} ) because I was " negligent with my checks ''. They 're essentially blaming me.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kenneth, Eisen & Associates, LTD. (AZ)

I contacted Kenneth, Eisen & Associates , Ltd. at ( XXXX ) XXXX. I called to ask why I was showing a flag from them on my credit report. They gave me the information about the bill and I let them know that it was not accurate information. They tried to get me to confirm personal contact information and I let them know that the date they are saying I gave birth is wrong. They changed the tone of their voice and said well this has never happened and was trying to start an argument with me. I did not respond and just asked for the correct spelling of the provider they were trying to seek payment for and the number to contact the provider.
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX I disputed a collection account with experian. On XX/XX/XXXXthey updated my reported stating XXXX XXXX XXXX   has verified the information and it will remain on my report. OnXX/XX/XXXX I sent a request for validation to XXXX   requesting they validate that the debt owed was indeed mine. On XX/XX/XXXX I received a letter in the mail from XXXX. This letter was not signed by anyone. I have no clue who sent this to me. It was not proper validation of the debt. It is a poor account statement. After reviewing the statement sent and then reviewing my Experian report it came to my that the statement they sent and experian have different information. The original name amount and account numbers are different. I called Experian to have this account removed from my account and they said they can not do that. The already verified the account and stated though they do not receive documentation from the creditors that the creditor did validate the debt. I asked how was it validated if clearly the information reported is inaccurate. Experian stated that I can redispute without guaranties it will be removed but they will not remove the account.
Consumer complaint received 2017-07-29
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: EQUIFAX, INC. (FL)

I disputed the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, and XXXX. They refuse to remove these accounts that do not belong to me.
I disputed the following fraudulent inquiries I did not initiate and are not covered by fair use : XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX, 2017. They refuse to remove these inquiries.
Consumer complaint received 2022-02-28
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX XXXX XXXXXXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX, XXXX XXXX UNIVERSITY Account number : XXXX, XXXX XXXX  Account number : 3XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.