davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
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: CITIBANK, N.A. (WA)

On XX/XX/2020 I was browsing the XXXX website to see what the price of pre-sell tickets were to a concert I was planning on going to. The tickets didn't actually hit the market until XX/XX/XXXX. In order to get to the final page with fees and total, you have to input all your billing and shipping information. I saw that the price was 4 times the amount of face value ( XXXX for 3 {$120.00} a piece tickets ) and decided that I would take my chances getting logged in on the XXXX on XXXX to get them. As I was exiting the XXXX site, my screen changed to " Thank you for the Purchase '' and I did not ok the charge. I immediately called XXXX to tell them that I did not authorize that charge and to cancel the order. They continue to tell me that they do not cancel orders and that I was stuck with them. They said that my only option was to resell them on their site ( although the very next day XXXX posted that they are not allowed to sell these tickets due to it being a Charity event ). Without thinking that I had an option to dispute I had them put it up for resell. All this happened within 15 mins after the ticket was charged to my account. The dispute app on my phone said I had to wait until the charge was off pending before I can file a disput so I waited until it did which was XXXX XXXX. They initially refunded me while the investigated it. On XX/XX/XXXX they reversed the credit saying based on the information the reversed the credit and to show proof of cancelation which I only had a phone call to try and cancel and a respond email fro XXXX saying sorry about issue with order. I appealed the claim with Citi and the reopened the dispute on XXXX. They responded with they still will not help in my favor. At this point, I was promised by XXXX to recieve the tickets by XX/XX/XXXX. I did not receive the tickets and they were available to be transferred for over a Month by that time. So now tried to reopen the dispute for the reason of I didn't recieve the merchandise that was promised ( and I didn't purchase anyways. ) Citi reopened my dispute for 2 more weeks the replied that Since I tried opening a dispute with a cancelled charge first that was a conflict of statement with I didn't receive the ticket. Although they are different reasons and I acepted they were not going o take care of me for an unathorized purchase, I feel that Citi should be responible for taking care of their customer for not receiving good by the promised date of XX/XX/XXXX which I have proved proof of. I feel that I am getting the run around by to major corporations and that I have been a victim of fraud by Citi and XXXX.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion is incorrectly changing my credit score and is not using the proper information to calculate my score. My score has dropped over 100 points sometimes twice in one day. I have complained about this before and it has not been handled properly. Transunion is using a biased system to score me and I think im being retaliated against for filling complaints. Based off similar people with the same situations my score is biased and should be investigated completely.
Consumer complaint received 2020-05-18
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: HYUNDAI CAPITAL AMERICA (TN)

On XX/XX/2020, I paid off my auto loan. I wrote to the finance company in Georgia on XX/XX/2020 requesting they cancel the Gap Insurance and issue a refund for the unused premiums. I waited a couple of weeks ; and, after not hearing back, I called the GA office for a status. I was told I had to write a letter to the XXXX XXXX XXXX in XXXX XXXX, FL. 

I wrote a second letter to the XXXX XXXX XXXX on XX/XX/2020. Again, I waited a couple of weeks and then I called on XX/XX/2020 for a status update. The representative told me my request had been processed on XX/XX/2020 effective XX/XX/2020, the date I paid the loan in full. She further told me the dealer had the funds and she instructed me to call them. 

On XX/XX/2020, I contacted the dealer in XXXX XXXX, NV by phone. The operator told me their offices were closed for a month because of the Covid 19 virus. 

I waited another month and then began calling the dealer again. On XX/XX/XXXX I was transferred from one extension to another, but no one answered the phone. I left numerous messages and no one called me back. I also engaged in a Chat Session and explained my situation in great detail, including the fact that I had moved to TN on XX/XX/2020. I gave them my new address and I was told I would receive a call back. 

When the call was not returned, I called the dealer in XXXX XXXX again on XX/XX/2020. The result was the same. I was transferred all over the place and sent to extensions that went unanswered. I called back several times, was hung up on several times, but finally spoke to someone named XXXX who transferred me to someone named XXXX. XXXX was rude, unprofessional and nasty. She told me I would have to go down to the dealership in person. When I told her that was not possible since I was living 2,000 miles away, she then told me I would have to call the finance company. She tried to out talk me several times and even hung up on me! She was, though, actually able to tell me the amount of my refund. This tells me my refund had, in fact, been processed on XX/XX/2020 and the dealer was holding my money. 

I wrote a letter to the CA office of the auto finance company on XX/XX/2020. I have not heard back ; but, in the interim I have tried numerous times to contact them by phone. Every time I have called, and after entering all of my information to identify my loan, I hear a message saying something like 'Our lines are extremely busy right now. Please call back later. '' And then I get disconnected. 

I have now gone full circle and am right back at the beginning of my journey. I am hoping someone in your office can help me get this resolved once and for all. 

If the dealership is holding my funds ( which I definitely know they are for at least 2 months now ), they need to send me a check asap. I have waited way too long to get my money back. 

Thank you.
Consumer complaint received 2020-10-29
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: Sequium Asset Solutions, LLC (PA)

I have derogatory { collection account } on my credit report from a collection agency. 
The debt they are trying to collect has been paid to the originating debtor prior to the collection account printed on my credit report. The collection account states XXXX  balance.
Consumer complaint received 2020-10-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP (CA)

I received a Lease Termination Billing Statement in the mail today, Tuesday, XX/XX/XXXX, from the U.S. Bank, and was quite surprised to read that the total amount due is {$420.00}. 

I requested they reconsider waiving the amount due for the following reasons : 1. I am unemployed due to the COVID-19 unprecedented event and do not have the funding to pay the amount of {$420.00} ( see attached Unemployment submission ).

2. I did not receive the Billing Statement until today, XX/XX/XXXX, which is five months later ( see attached Billing Statement ).

3. My U.S. Bank Account was closed shortly thereafter in XXXX with no outstanding balance. I called the U.S. Bank and spoke with someone and they confirmed that the account was closed in good standing and that I do not owe anything further.

4. I submitted the XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX, with an odometer reading of XXXX. Exactly XXXX miles less than the allowable XXXX/year I have already paid for ( see attached Notice of Transfer and Release of Liability and Acknowledgment ) .ay know, the circumstances of the global pandemic have heavily impacted everyone and created a financial crisis for many, including me. This has caused many people to lose their jobs or earn a significantly lower income, and as a result, not be able to pay rent or other After many attempts to follow up and many telephone calls and emails, they denied my request. I received harassing letters in the mail every week demanding their payment. I called and they submitted a request for an adjustment and stated they would call me back and let me know if granted. No one called. I submitted negative experience remarks on my social media pages and someone finally called me and stated they could get the amount waived all together but instead I was told that they adjusted the amount to {$200.00} a month ago and I was not notified. Them not notifying me caused me unbelievable stress. 

Now I receive weekly demand for payment of {$200.00}. 

I want this waived all together for all the stress they caused me.
Consumer complaint received 2020-05-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (TX)

On XX/XX/2020, My XXXX XXXX  account was settled with a 3rd party collection agency ( XXXX XXXX XXXX, XXXX XXXX ). I was emailed a proof of letter account satisfied. This account was removed from the credit bureaus as per the terms i had with XXXX XXXX XXXX XXXX once account settled in late XX/XX/2020. On XX/XX/2020 Mid West Recovery Systems ( XXXX ) reported the same account which, l ready paid in full to XXXX XXXX. I attempted to notified them numerous times to get this account removed as far as even providing receipt to them. They have been harassing me and threatening me to pay off this account. XXXX from XXXX XXXX has even gone out of his way to help by contacting them and leaving multiple voice mails to get account removed.
Consumer complaint received 2021-04-08
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. (CA)

I am very concerned because my credit reports have a discrepancy with this account. I am a very concerned consumer and do not know what is correct. If you look at the letters sent to the credit bureaus, I have highlighted all these discrepancies. 

I have been denied getting my first home because of this. I have asked them to remove this from my credit reports and they have only sent me a generic response and have not remove this from my credit report.
Consumer complaint received 2020-10-29
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: Capio Partners, LLC (PA)

These are the fraudulent accounts -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AND ALL OF THOSE AUTOMOBILE INQUIRIES
Consumer complaint received 2021-10-14
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. (FL)

Good day madam/sir, XXXX XXXX the lender of my vehicle : - original balance of the loan keeps changing - different " original balance '' {$5000.00} lower was reported to the credit bureaus - interest keeps increasing with years with extra payments being made - requested the complete balance sheet, received only list of the payments i made with NO original balance or ending balance and no interest balance - during the first 3 months of Covid-19, since it was allowed by state, I called the company and due to hardship i asked for 3 months delay of payments, they approved it, but still reported 30/60/90 days of non-payment to all credit bureaus ( that's the only months I didn't pay as agreed with the lender ) - XXXX  application provides completely wrong data. It shows I paid $ XXXX, when I paid exactly {$14000.00}. 
- Original balance of the loan was $ XXXX, now they told me it's $ XXXX, How is all of that possible? 
- XXXX  claim I owe them $ XXXX more, since I paid $ XXXX out of {$21.00}, but I paid $ XXXX.
Consumer complaint received 2020-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I called the number for York County XXXX to resolve a debt listed as a judgement/lien ( Reference # XXXX ). I was just going to pay it to release the judgement as I am attempting to obtain housing but they would not accept payment because I could not remember the exact address I had at the time the debt was incurred. There has to be a way to get this taken care of quickly. Please help.
Consumer complaint received 2020-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NE)

We continue to get charged PMI on a monthly basis. We have called multiple times and paid additional dollars toward principle without any success. We even paid for an appraisal which was a waste of money as the lady spent 5 minutes at our home The latest request we owed XXXX on our mortgage and our original house purchase was XXXX. At this moment we requested the removal for pmi for the third time. We escalated and never heard back. In the meantime I paid another XXXX to reduce our balance to XXXX well below the 78 % automatic removal. Again in XXXX we were charged. They make this process difficult, tedious with lots of hoops. I feel like they have now wrk fully charged us over 800 dollars and we spent multiple Hours on the phone with TMS
Consumer complaint received 2020-05-18
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: Experian Information Solutions Inc. (CA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: LoanCare, LLC (FL)

Loan care said they paid my escrow payment on XX/XX/2020. I called XXXX and they still do not have the money. The escrow was short XXXX so I paid that right then. I have called LoanCare and always keep getting hung up on after a long hold. They said they sent the check, it was sent to a incorrect address. The amount they sent to XXXX was {$1200.00}. LoanCare also told XXXX they would fax a copy of the check to them which LoanCare has not. XXXX calls LoanCare and is on hold and gets hung up on as well. I have called and called I have asked the 2 companies to work together to get this resolved and nothing. I do not want my rental home owner 's cancelled since LoanCare and XXXX are not playing well. Please see if you can assist. Thank you so much. I will attach the Loan Care note saying it was sent and 2 bills from XXXX and my notes. Please reach out if you have any questions. Thank you. XXXX XXXX House is on XXXX XXXX XXXX. XXXX XXXX OH XXXX. My phone number is XXXX.
Consumer complaint received 2024-02-23
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (NC)

I have sent SYNCBXXXX XXXX XXXX and opt out letter there for they should not be providing non public personal information to any 3rd party. XXXX XXXX and XXXX are all 3rd parties. SYNCB has also stated that they dont provide personal information to 3rd parties and in this situation they have. The privacy act of 1974 has been violated on so many levels. per 15 usc 6802 and 15 usc 6805 and 16.cfr. 313. 7 has been violated.I have disputed the information from SYNCB/XXXX  XXXX XXXX with XXXX, XXXX and XXXX several times. The credit reports are updated with inaccurate information in which XXXX, XXXX and XXXX has been made aware of on several occasions. When I asked to receive the information on how it was verified I don't receive anything. The latest dispute with XXXX was this year XXXX. Started disputing with XXXX in XXXX and they are also reporting transaction history in which the law states is illegal. XXXX they just notated the report saying, " Consumer disputes after resolution. '' It is also showing on the credit reports that the account is charged off. A charged off is considered a certificate of indebtedness which means it is income and income must be removed. The law also states it is illegal to report transaction history. despite me attempting for years with XXXX XXXX and XXXX about the information on the reports they have opted not resolve this. SYNCB has been informed and also chooses not to follow the law.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian dropped my score 69 points ( From excellent to good ) for no apparent reason.

says " Serious Delinquency '' I have made no late payments EVER.

also says " Short Account History '' My oldest account was opened 39 Years, 9 Months ago. How can that be a short credit history?

The other two reporting agencies report my score as " exceptional '' I believe Experian is trying to " blackmail '' me into upgrading to a monthly $ account. 
I have free account only.
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Westlake Services, LLC (CA)

I opened a XXXX account sometime in XX/XX/XXXX. About a year after ( maybe less ), I could no longer use this account for purchases. I however, conscientiously made my monthly payments ever since and keeping current until the present time. My monthly payments averaged around {$50.00} a month. 

On XX/XX/XXXX I received a letter from Westlake Portfolio Management saying that they are servicing my XXXX  account which was issued by XXXX XXXX XXXX  and requiring me to make my first payment of {$120.00} due on XX/XX/XXXX. 

This was the first communication I received from them or from XXXX or from XXXX XXXX XXXX  regarding this account or any changes to this account. 

Starting XX/XX/XXXX, I received several potential scam phone calls from the XXXX XXXX area which I suspect would be from them as I have very few contacts from that area. Whenever I tried to pickup the phone, there was nothing at the other end. This went on until XX/XX/XXXX. 

On XX/XX/XXXX, I emailed them : On XX/XX/XXXX, I received a letter from you indicating that you are servicing my XXXX  account. However, per FDCPA rules, you failed to provide the following information in writing : The amount of the debt That I can dispute the debt The name and address of the original creditor. You are demanding a first payment from me with a due date of XX/XX/XXXX without any details or disclosure of the debt. Please reply to this message immediately. Thank you. 

XX/XX/XXXX I emailed Westlake Portfolio Management : I have tried to reach you by email and written letter but have not gotten a response yet. I need to know details about my account : - Total debt amount - Terms of payment - Monthly payments XX/XX/XXXX I received this email : Hello, We can not discuss any details of your account via email. Please contact our Customer Service Department at ( XXXX ) XXXX for assistance with this request. Business hours are Monday Friday : XXXX XXXX and Saturday : XXXX XXXX XXXX XXXX. 

Thank you, Westlake XXXX XXXX XX/XX/XXXX I replied : Please send me a written communication. Thank you. 

To date, XX/XX/XXXX, I have not received any further communication from them. 

On XX/XX/XXXX for fear of them ruining my credit and despite not knowing any details or how much I will be forced to pay them, I created an online payment account and made a one-time payment of {$80.00}. It is here that I finally saw details of my account ; Balance : {$1600.00}, maturity date XX/XX/XXXX, monthly payment {$120.00} at 0.00 % annual percentage rate. This looks like I will be paying {$7400.00} after 5 years! 

Failure to disclosure the terms and details of my account and simply demanding payment was a blatant disregard of my right as a consumer, and probably a usury law in this country.
Consumer complaint received 2020-05-18
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)

In 2018 I entered into an agreement to attend classes at a professional development school. After attending a couple classes I was not satisfied with the school and withdrew from attendance. The course was valued at approx. {$10000.00}. I agreed to an ACH withdrawal for the monthly payments of the costs of the classes. 
After withdrawing from the courses, the school continued to attempt the ACH debits which were disputed with the bank and refunded. 
More than a year passed with no contact from the school until I received an alert that a negative account had been reported on all 3 of the national credit reporting agencies. The school reported that my account was over 120 days past due. 
I disputed the negative item with all three agencies. The school responded to the disputes stating the debt was valid. The disputes were closed and the negative item remains. 
The reporting agencies advised that the only other recourse was to contact the creditor for resolution. When I contacted them I was told that they were not interested in discussing the matter further ; that the only resolution was to make payments and bring the account current. I advised that no further payments would ever be made, that I would no longer be attending classes there was no reason to pay. 
The next week I received another negative item alert from all three agencies that the account from the school was listed as charged off. Taking yet another major hit to my FICO score. 
None of the agencies or the school has offered any path to resolving this problem.
Consumer complaint received 2020-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Khols CapOneXXXX XXXX - is still reporting and updating a balance on my credit file even though the account was paid. They are even reporting it paid in the notes but still showing a negative balance. This has affected my financing now so I have contacted my attorney because they are in violation. I have disputed this and it is still showing and reporting inaccurately.