davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My last lease with XXXX XXXX has a 30 day late showing on both my and my wife 's credit. We were exactly 30 days late as I was out of the country and my automatic payment with my bank expired. I paid it as soon as I learned of the issue ( exactly on the XXXX day ) and XXXX XXXX said that they understood the issue and would remove it from my credit. They didn't ... 

My family has purchased or leased 6 vehicles through XXXXXX/XX/XXXX in the last 10 years ... and this has been the only issue we've ever had, and yet they have significantly harmed our credit as a result. 

Not exactly good customer service given the circumstances.
Consumer complaint received 2021-06-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

i am completely appalled and disgusted that you guys cant seem to get right. i sent letters over 45 days ago ( XX/XX/2021 ) regarding the fact the you guys are reporting inaccurate information on my consumer report. it is up to you guys to uphold the law that was set to make sure my rights were protected as a consumer and you cant even respond to my LETTERS stating that you have received them or even update my credit report showing that a dispute has been open and its been 45 DAYS!!! what kind of company cant follow the rules stating a company must reply with their investigation results in 30 days. i want you guys to immediately remove all inaccurate derogatory accounts there were listed in my letters since you guys cant follows the rules properly.
Consumer complaint received 2018-06-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (MN)

XXXX XXXX Account number : XXXX Vehicle Identification Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX TD Auto Finance XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Disputing error [ s ] on credit report To whom it may concern, I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report. The report shows I currently owe {$3200.00} and also I have been late of payments from XX/XX/XXXX to XX/XX/XXXX. However the account has been closed since XX/XX/XXXX when was determined a total loss due to damage of car. The company received payments from my insurance company as well as my GAP coverage and all other vehicle contracts payment which is listed in payment history which should have cover the balance of the car. I recently obtained credit report in XX/XX/XXXX and discovered the company had a balance of {$3100.00} and late payments from XX/XX/XXXX to XX/XX/XXXX payment status charge-off. I was aware the company received payments from all insurance companies and believed account was paid in good standing. Once I reached out to the company and disputed the issue with all three credit consumers in XX/XX/XXXX to fix errors XXXX XXXX XXXX stated the balance was incorrect and requested time to fix error but stated they did not have to reach out to me about any balance been owed however that would have help the situation if company communicated before adding late payments and incorrect balances to my credit. After the dispute I received my updated balance which is {$910.00} XX/XX/XXXX. I reached out to company once again to ask why did they update the balance to {$3200.00} and also the late payments from XX/XX/XXXX to XX/XX/XXXX on my credit report. The company stated the balance of {$910.00} need to be paid before updating my credit report but have once again updated false information as you can see in XX/XX/XXXX and the credit reports giving. I will like the information removed immediately from my credit report which is making it hard for me to open other lines of credit. This matter should have been handled with better judgment and I know the account has been updated but not correctly. I have never missed a payment and should have received a letter months ago pertaining this matter. 


I have attached both copies of my report with the accounts from XX/XX/XXXX and XX/XX/XXXX it shows they did not update it to the correct balance also they added more money to balance and more late charges. The payment history I obtained from company. Also the only letter I received from the company this year regarding the balance. 


Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (AZ)

On XX/XX/2018 at XXXX we received an automated message ( XXXX ) from XXXX XXXX XXXX for XXXX XXXX asking him to call XXXX and reference Acct # XXXX with zip code XXXX. 

We tried to reach out to the company to have them stop calling us but the calls could not go through
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: General Information Services, Inc (MI)

I was hired at XXXX on XXXX XXXX in XXXX MI and they let me go because on my background check that was a old misdemeanor charge and it was because my mom bought food stamps from someone and they pressed charged on us. Because she bought me food and I did n't take back the food back so they charged me with receiving and concealin the food that she bought me. It was from 2014 it was spose to be took off if I conpleated the program and I did so I 'm just asking for my job .Any question call me XXXX
Consumer complaint received 2017-11-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (FL)

Since my student loan servicer ACS merged with XXXX, I have not been able to log into the website. I am 100 % positive that my username and password are correct. Even so, I tried the reset function, and the temporary password does not work either. 

I called them last Monday, and they said they were aware that people were not able to log in, and their IT department was working on it. It is still not working 9 days later ( and was not working a few weeks before I called, too ). I 've  noticed many similar complaints online. 

I also just called the automated system to make a payment, and it successfully found my account. As directed, I pushed 3 to make another payment amount. All I receive is an error message there, too.
Consumer complaint received 2024-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

I requested a transfer of the funds to another financial institution and they put a hold on the transfer for no good reason. When the representative from New York Community Bank began to request information regarding my secret questions to verify my identity the questions asked were not what I had selected when opening the account, hence I could not answer correctly any of the questions as none of them pertained to me! I found out after the fact that this institution is merging with another institution ( Flagstar Bank ) and were merging their banking systems, so the only sense I could make out of this is they have some kind of glitch and now I no longer have access to MY repeat MY money!
Consumer complaint received 2022-09-10
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX, XXXX, XXXX, 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 instruction.
Consumer complaint received 2017-11-28
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CA)

I was considering a loan modification with Ocwen Loan Servicing. Once receiving the terms of the proposed loan modification, I decided not to go forward and declined the modification. During the 4 month time frame that Ocwen was working on the terms of the modification I made my regular payments to them on time each month as shown in my payment history. They advised this as it would ensure I continued to meet my contractual obligations. Nevertheless, Ocwen has been reporting me as delinquent to the credit bureaus. I asked them about correcting this multiple times. However, it has still not been corrected. And they continue to report inaccurate information.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC (WA)

( Lexington Law ) Hired them to monitor and to dispute any questionable collection claim. 
They started billing me monthly immediately around {$100.00} a month. 
They had disputed several ( 3 ) negative credit reports. 
Several months later I applied for a VA Home Loan. 
The lender of the VA Home Loan, XXXX XXXX XXXX XXXX had informed me that the VA regulations don't allow for a veteran to have any collections items in dispute in order to proceed with the VA Home Loan. 
I had contacted Lexington Law informing them of this issue and that I needed them to immediately remove the items in dispute with the collection companies. 
Lexington Law stated that they would have the items removed from dispute, and that my fees would be lowered because they would be doing less work now on my account. It went from {$100.00} to {$17.00} dollars a month. 
Now the lender of my VA Home Loan just stated to me that the collection items were never removed from dispute. Now my VA Home Loan that had been approved and the home they were financing is in jeopardy. 
I had just called Lexington Law to inquire what was going on. They were very rude and disrespectful and gave me a lot of double talk to try and confuse me. 
I feel they misled and deceived me. 
( misrepresentation )
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Ever since I open my Wells Fargo account 6 months ago there has been fraudulent charges to my accounts! Now, I'm told that I'm not allowed to use a debit card for 1 year. And, I tried to withdraw my money, and move it to another bank. And was told no! Seems to be this banks chronic answer to any customers problems! I have at least 10 friends, and family members that thus has also occurred to!
Consumer complaint received 2017-11-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I am currently fighting a court case in VA with Land Or Timeshare. The court date is onXX/XX/XXXXwhich a month away. Some paperwork was sent from VA from a court clerk with the court date of XX/XX/XXXX to Chase bank requesting to hold XXXX, Chase froze XXXX from both my checking and saving plus a hold of XXXX dollars which they could not explain what that was for when I went to the bank on XX/XX/XXXX. Prior to going to the bank I spoke to a representative from the court orders and levies department explaining to this gentleman that in the state of Texas, a creditor can not garnish anyone 's account unless its a federal garnishment, for example child support, taxes, student loans etc. I also asked if the legal department was contacted about this matter. According to the chase rep, he did have to confer with the legal dept and chase had to honor the garnishment because they did business in VA. I 'm not sure if this company makes its own laws. This is the second time they put a hold on my account. the first time my husband deposited a check for XXXX dollars from his business account which was also with Chase they put a hold on my account even though my husband and I was at the bank together at the time of the deposit, at the teller together. They also called my husband while we were still at the bank and he verified that he made the deposit. Myself and my family wants nothing more to do with this company, just release my money. my husband has no problem taking legal action.
Consumer complaint received 2021-09-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Portfolio Services, Inc. (VA)

My bankruptcy was XXXX in XX/XX/2018. The collection company ( Consumer Portfolio Services , Inc. ) has been contacting and harassing my employment via contact XXXX and my personal phone XXXX about account XXXX. Please help!!!!
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (OH)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) .The following account is listed below : NCA XXXX XXXX - {$2100.00}
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On the XXXX of XX/XX/2021 there was an unauthorized atm withdrawal for XXXX dollars on XXXX XXXX XXXX, I noticed it three days later and filed a dispute. On the XXXX of XX/XX/2021 Wells Fargo closed my claim without reaching out to me to ask me questions like they said they will.
Consumer complaint received 2018-06-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX regarding a XXXX XXXX Credit Card debt in XX/XX/XXXX, by mail. I called to negotiate payment. We agreed upon a one-time pay off of {$1300.00}, which would come out of my bank account via debt card. They wanted my account #, but I would not give it. 
The debit was to occur on XX/XX/XXXX. Unfortunately my bank blocked the initial debit thinking it was fraud. I received a text notifying me of this. I responded to the text and confirmed it was not fraud. The bank responded via text saying it would honor the debit and to try again. 
I called the direct agent ( extension number ) of whom I'd made the previous arrangement and left a message to run the debit again. They did not. I called back today ( XX/XX/XXXX ) and now they want {$1600.00} to clear the debt, stating the original agreement was void and I had not tried to contact them. 
I'm willing to pay the original {$1300.00} agreed upon, but can not afford the {$1600.00}. They threatened lawsuit.
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NY)

Received two separate letters claiming the homeowner insurance 's property address is different from the property address on record with the The Money Source ( a.k.a. TMS ). First letter was dated XX/XX/2021 and the Second letter was dated XX/XX/2021. Both letters seem to be the same form letters except the Policy Number is different between the two letters. First letter had the correct XXXX XXXX homeowner policy number. Second letter cites a Policy Number that I have no record of. I have revised my XXXX XXXX homeowner policy in accordance with the First letter and faxed over the revised XXXX XXXX decpage to TMS on XX/XX/2021 via Fax number XXXX. I am at a complete loss on how to respond to the Second letter with a Policy Number that does not match my current homeowner policy. What is TMS asking me to do with regard the Second letter?
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (AZ)

I received an Alert on my Credit Monitoring Service on XX/XX/XXXX that my account was sent to collection for XXXX dollars from a XXXX XXXX and Credit Systems International Incorporation . In Texas Where I have never had a Residence. I contacted them as soon as the alert came through and spoke with a lady there who said if i believe this is fraudulent to file a dispute with my credit score provider otherwise there was nothing she could do. After Filing with XXXX  they said the lender confirmed it was my account, Which as I've stated I've lived and have only lived as an adult in Arizona.Then XXXX  said i could file a dispute with the FTC. So Here I am. I also have never received any Mail from this " collection agency or Energy company ''
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: N26 Inc. (TX)

On XX/XX/2021 I noticed my card kept being declined, despite me having money in the account. I contacted my bank ( XXXX ) to find out why and was told my account was frozen and they were doing a routing review and I cant access my funds during that time. I never received an email from them stating why my account was froze or how long their review would be. Customer support said they could not put me in contact with the department that does the reviews and hung up on me. When I email them for an explanation and a refund of the money in my account, I keep getting a generic response. They are stealing peoples money under the guise they are doing a review.
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (FL)

Better mortgage around XX/XX/21 sent me closing disclosure which was drastically different from the loan estimate that was previously sent over the previous four weeks. the tax escrows went from {$2800.00} to around {$3700.00} and when i questioned them about it, they stated it went up because i did not get the Florida homestead exemption. i advised them that in Florida, you get the Florida homestead exemption especially with the home being my primary residence. i advised them to contact the local tax collectors office or the title company to confirm this information and they have not responded. i am currently being over charged for my escrows with my closing in one week which is a very malicious practice by better mortgage. They are also charging me a survey fee of {$400.00} when there was not one that was required nor was i able to shop around for companies. i questioned them about it and they advised they are looking into it and still no response. in addition to the above issues, i was advised that i cant use a realtor credit towards my closing cost and prepaids when this is standard practice in the real estate industry.
Consumer complaint received 2017-12-05
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. (OH)

I filed on XX/XX/XXXX both by phone and filed on line with Transunion. Reporting that my loan with XXXX XXXX XXXX XXXX was incorrect. TranUnion has not shown a payment since XX/XX/XXXX. The 1st excuse in improper credit reporting was XXXX XXXX not reporting. 2nd excuse It takes Transunion 90 days to show credit payments. It is now XX/XX/XXXX and I have not received a correction of result.
Consumer complaint received 2022-12-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA (MA)

I ordered a XXXX and was approved for Financing thru Greensky in XXXX XXXX. I was approved for {$36000.00}, however since the XXXX was not going to be delivered until XXXX of XXXX. Only {$6000.00} was charged to the credit line as the deposit for the XXXX. In XXXX of XXXX, when the XXXX was ready to be delivered the remaining balance of {$19000.00} was charged to the credit line. Greensky closed my original account ending in XXXX with the XXXX Statement and opened a new account ending in XXXX starting with the XXXX statement. They did not notify me that I had a new account so I continued making my monthly payments to the old account ending in XXXX for XXXX {$200.00} and XXXX {$350.00}. In XXXX, I started receiving text messages that my payment was overdue. I called them and they explained that my last 2 payments, totaling {$550.00}, had been applied to my old account ( the first time I was hearing about a new account ). I asked if they could transfer the payments to my new account, and they indicated they could not. So, I asked them to refund me the payments and I would then pay the new balance in the new account - at this point, I owed {$330.00} for XXXX and {$330.00} for XXXX. I asked them to notate my account to this conversation. I received the check {$550.00} in XXXX. I electronically deposited the check, and immediately made the payment of {$670.00} towards my new account. I later received a letter from my bank stating that the check was returned for stop payment. I contacted Greensky, and was told that they had put a stop payment because the credit from my old account had been applied to my new account. I again explained the entire scenario and was told another refund check would be sent. About 3 weeks went by and no check, I called again and was told that the check had been issued to give it a few more days and call again if I didn't receive it. I called yet again, and was then told that they had not issued the check because my payments had been applied to my new account. I asked to have a manager call me, no one has returned my calls, I've been told someone is looking into it and I just continue to get the run around. 

I have included my final account statement for account ending in XXXX, the new account statement ending in XXXX and my XXXX bank statement which shows my payment for the outstanding balance plus the returned check fee.