davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX  has not contacted me in 40 days and i still havent received anything delete all negative accounts not mines I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I have filed a complaint with the FTC due to your noncompliance with the FCRA. it has been over 35 days since I have sent my request to investigate the removal of the following accounts, and you have failed to comply with the FCRA. 
In good faith, I ask that you please reinvestigate the following items, and promptly DELETE inaccurate, incomplete or unverifiable accounts : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} BK OF AMER XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX  XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2600.00} BK OF AMER XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$1300.00} Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Copy of SSN ID and Proof of Bil
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I need this ( XXXX  XXXX  Account # XXXX ) account remove because its showing different dates of last activity to all three credit bureaus the dates are wrong and its just showing In accurate account info payments is also wrong and I thought by law the creditors suppose to report the right information all 3 creditors is showing inaccurate info Helvey Assoc 3 different dates and I dont have a balance so why is it still on my report & XXXX XXXX showing 3 different dates and inaccurate info as well ... I need them remove.
Consumer complaint received 2020-09-28
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. (MA)

Good Afternoon, I'm not quite sure what's the hold-up but it's been more than 70 days counting that your credit reporting agencies failed to respond to my investigation or dispute. I understand that we're facing with global pandemic of COVID19, but come on! It's taking longer than expected and i haven't received anything about these student loan account, but it continues to report incorrect, incomplete, and it's completely unverifiable. How come all 3 major credit bureaus are reporting 3 different dates of opened ; 3 dates of last active, inconsistent payment history, and different account name and number. This is totally a violation of my rights and it's impossible that this can be different if it's coming from the same creditor or furnisher ... correct? Again, There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2020-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (SC)

I consolidated my student loans in XX/XX/XXXX with the US Department of Education. On XX/XX/XXXX, I received an account statement indicating that my first payment was due on XX/XX/XXXX. On XX/XX/XXXX, I received a billing statement from XXXX XXXX my servicing company, indicating my first payment of {$190.00} was due on XX/XX/XXXX. On XX/XX/XXXX, I made my first payment to XXXX XXXX of {$190.00} and established an EFT draft to save on interest. As a result of this EFT draft, I paid the following amounts to XXXX XXXX for my student loans : XX/XX/XXXX : {$310.00} XX/XX/XXXX : {$310.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$110.00} After submission of my Employment Certification Form, I received an updated number of qualifying payments which led to a call to my current servicing company, Fed Loan Servicing. On XX/XX/XXXX, I was notified that my account was in forbearance from XX/XX/XXXX until XX/XX/XXXX. Upon their suggestion, I uploaded the statements received which don't indicate forbearance. I have called several times for an update on the status of the payments. In XX/XX/XXXX, I submitted my application for forgiveness but was denied because records indicate I have only made 117 qualifying payments. I was told that submitting my application would fast track my review as it had already been approximately six months with no clarity. In XX/XX/XXXX, I have called to check the status of said payments and they are still under review. I have contacted Federal Student Aid, and Dept. of Ed with no success.
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (FL)

I have had a dispute with Cavalry with a debt with XXXX since 2019. I had spoken to the company on several occasions and notified them I wanted to make a payment plan. I did so and the arrangement was to pay {$200.00} a month. I had direct deposit from my account with XXXX XXXX. I notified the bank and approved having that money withdrawn from my account on a monthly bases. Cavarly proceeded to do so but they did not approve it on their end for which I called multiple times and they kept referring me back to my bank where the problem was not on. This continued for months and every time I spoke to one of their representatives and asked for another way to make the payment I was told on every occasion that withdrawals for the bank was the only way could pay the debt. They told me on numerous times they would not accept any payment over the phone, money orders or checks sent to them by mail. I never once have denied payment to these debt collectors and tried on several occasions to make it work. To this day I am not refusing to make any payments but they have continued to send letters threatening sue and that I need to present myself to court if I deny payment which is not the case and never has been. They are the ones who have refused to cooperate with me in any way.
Consumer complaint received 2020-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

My loans were put on forebearance WITHOUT my consent, approval nor knowledge on XX/XX/2020 due to the Covid crisis. Since I was in the Income Based Repayment plan and my payment was {$0.00}, this has negatively impacted me by pushing the overall ability for seek loan forgiveness in the future back by 6 months. I was enrolled in Auto Pay and made payment up to XX/XX/2020. Great Lakes should have NOT put my loan in forebearance since I neither request it nor approved of the change. 

After finding out that my account was in forebearance, I was able to lift my " forebearance '' status by calling the company on XX/XX/2020. I complaint of this issue, but they were unwilling to give me back 6 month time credit for the payments of {$0.00} due from XXXX. 

I've attached my last bill from Great Lakes.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The sum of my monthly transactions, is lower than the sum indicated on my XX/XX/XXXX statement, by {$2.00}. There is NO accounting for this discrepancy. I am not disputing ANY of the monthly charges. 
The credit card company is and has been denying the sum is different. 
I have been on the phone, three times -- mostly on hold -- totaling over 2 hours, while a 5th person, now, reviews my statement. Her name is XXXX, senior account supervisor, agent ID # XXXX, and she also is denying there is an error. 
I have calculated the total 8 times, my daughter has verified my calculation is correct, as has my XXXX  spreadsheet. 
The statement is incorrect, I have it in black and white. I don't really care about the {$2.00}. 
What I care about is the statement being wrong, and the company 's denial. 
If this is happening with other customers, the company stands to make tens of millions of dollars of illicit profit.
Consumer complaint received 2020-10-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

it was XXXX i went to XXXX  . cashier told me it was big discount when i opened XXXX account. she told me a lot of things. and i open XXXX  account. make short story i did not get discount. i used XXXX account and paid on time. one day i got mail. it showed me {$340.00}. i called XXXX. i talked to someone. she told me they gon na send me another bill. i never get bill until XXXX i got bill from midland fund. it showed me {$880.00}. i called them they did not treat me well. the guy told me i have to pay. other wise we will send to credit agency. i was scare about it. i told him i do not want to messed up my credit. i started {$50.00} a monthly pay. but he send to credit agency.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX I sent a certified letter requesting that the inaccurate addresses be remove from my credit file as they are not deliverable to me by the U. S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. I also enclosed the proper documents they asked for such as my Drivers License, and Proof of Current Address that were notarized. After checking the tracking number-XXXX the information was received by Experian on XX/XX/2020, I got my credit report on XX/XX/2020 and the address are still reporting as inaccurate information on my credit file. Its been pass the 30 days per the FCRA section 611. Ive called several times to the company and the agents are rude except for the one that left me on hold for 23 mins and never came back. Today I attempted again to call and got an agent name XXXX who was over talking me and told me he knows the information is not inaccurate on MY credit file WOW! I just told him I will have to take further legal action to get this minor inaccuracy resolved.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX  is continuing to report a Credit Builder Plus loan XXXX loan with XXXX XXXX as two payments past due. This loan has never been past due. XXXX IS ON VIOLATION OF FCRA and UDAAP. 
XXXX is practicing predatory lending practices and Abusive practices. By reporting Current loan as DEFAULTED or past due on customers credit. It is egregious and terrible in the middle of a global pandemic.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I selected Capital One back in XXXX as my credit card company because their name was respected in the industry, because they offered a secured card, and most importantly because while researching which secured card company would be the best fit I was told by Capital One representatives that by always paying my card on time that I would have the opportunity for the secured card to be " graduated '' to an unsecured card and I would receive my security deposit back. Fast forward to XXXX I have had the secured card for over 3 years now and never missed a payment ; however I am now being told by Capital One representatives that they no longer " graduate '' secured accounts and was instead told that I needed to apply for a new unsecured credit card. I feel victimized by Capital One as now I am stuck with a fairly low limit secured card that I can not close because I have had it the longest and it will negatively impact my FICO score ( Length of Credit ). I can't apply for a new unsecured card because it will also negatively impact my FICO score ( Number of Inquiries ). My credit score has improved significantly since initially opening the account and as stated I have never missed a payment but yet I am being victimized. I do not feel this is fair and I do not recall receiving any communication from Capital One of their intentions to do away with the " graduation '' of secured cards to non secured. I feel that Capital One has taken advantage of not just me but millions of other customers in the same boat and this is a potentially class action worthy issue. I expect Capital One to do something to make this situation right without negatively impacting my credit score that I worked so hard to rebuild.
Consumer complaint received 2020-09-22
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 — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc. (CA)

On XX/XX/2020 I went under covid-19 hardship assistance program and company sent email of policy under program. The program stated that 2 months skipped would be granted and I will resume where I left off when I started hardship assistance on XX/XX/2020. I was 9 days past due when I went under program and on XX/XX/2020 I would resume at 9days past due, on XX/XX/2020 company reported on my credit report 30days past due, I made payment on XXXX XXXX which would make XX/XX/2020 payment 15days past due, I called reps at company and I was told different explanations at different times. Per policy I accepted I am not considered 30days past due I have paid loan in full and have reached out multiple times for correction, Upstart loans had reported on XX/XX/2020 30days past  due as well and had corrected it becasue I was under hardship program I was told not to worry about it happening again which it did. My desired resolution is to have negative reporting removed and an investigation into other customers that might be facing the same unethical reporting, I only accepted hardship assistance because of reassurance under there written email I received from them.
Consumer complaint received 2020-09-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I am out of work from the pandemic. I applied for the emergency PMAP grant from PHFA and the CARES Act for my Mortgage and was happy to be approved for a {$4600.00} grant ( equal to six months of my mortgage payments ). I was approved on XX/XX/XXXX. I was very relieved as I only have Unemployment right now. 
Since that time I have called and messaged Wells Fargo, my home mortgage company, over half a dozen times asking when they would attribute the money to my mortgage. PHFA said it was approved and waiting for Wells Fargo to act on their end. At first WF said they would let me know and by XX/XX/XXXX, then they pushed it to XX/XX/XXXX, then they pushed to XX/XX/XXXX. I have all of this in writing from them and attached. On XX/XX/2020 Wells Fargo called me and told they decided not to accept the money, because according to them, they think out of work people have plenty of other programs to save their homes and they did not think this one was needed. They actually said that. This is the only grant program to save my home that I have applied for, was granted or even know about.

Now they are refusing to accept the grant toward my mortgage. I do not believe they can dictate who I allow to give me money. It should not be their call. I asked if there was a particular problem my Mortgage or was this a blanket rule they have decided to make up. They said they decided that it applies to ALL Wells Fargo Mortgage borrowers. No one is allowed to to get a PMAP applied to their
mortgage at Wells. Other banks mind you ARE accepting the PMAP grant.

I am not in Foreclosure right now. My first missed payment was due  to the pandemic on XX/XX/2020. But this new rule Wells Fargo created to refuse payment is unacceptable and could cost many who were lead to believe were helped by the PMAP Government program to lose their homes. I thought I was in the clear after being approved for PMAP only to learn months later WF chooses to say no to money. Can you please help? This could effect thousands and there is no valid reason for them to decline the funds. Unless ofcourse they are trying to force home owners from their homes so they can Foreclose on the properties of people who lost employment from the pandemic. Which is just evil.
Consumer complaint received 2021-02-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY (NJ)

1- I am a TD Bank customer and on XXXX XX/XX/2020, I wired {$73000.00} US $ to my family in XXXX per the attached TD bank receipt. I specifically, instructed TD bank to wire the funds in US Dollars ONLY. 

2- The Beneficiary received {$71000.00}, 3- I contacted TD Bank and requested them to provide me with XXXX XXXX to confirm that they had indeed wired the {$73000.00} in US funds XXXX However, TD Bank refused to provide me with XXXX. 

4- I filed a complaint with OCC and in their reply. TD Bank clearly lied to the OCC and claimed that they provided me the XXXX XXXX. The OCC advised me to seek legal assistance. See attached letter from the OCC. 

5- XXXX XXXX is the official confirmation of payment made from the sending bank and informs the beneficiary of all the details of the transaction, including any fees applied Please see attached sample of XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2020-09-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (TX)

My name is XXXX XXXX and I am in the military traveling trying to get a situation taken care of as fast as possible. I paid off my lien to this vehicle in 2016 with a company called Gateway One Lending & Finance. They were acquired earlier this year by your company who has advised me because this loan is so old, you do not have my account or records. 
On XX/XX/2016 Gateway One Lending & Finance provided me with the enclosed letter stating I had met my financial obligation and paid off the loan. They also included a copy of the contract stamped paid. I have included a copy of this as well for reference.

I traded this car in recently and they are in need of the title. I have been activated for hurricane response and this is creating some significant issues. I am asking that someone please assist me with my situation, provide me with a release of lien so I can get this released with the state of IL.
Consumer complaint received 2022-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NV)

On XX/XX/2022 I was invited by a friend to join an investment fund promoted by XXXX XXXX XXXX via XXXX XXXX I made four deposits to Coinbase.com via Wire Transfer : 1 ) {$6400.00} on XX/XX/2022 XXXX ) {$1000.00} on XX/XX/2022 XXXX ) {$8000.00} on XX/XX/2022. 
XXXX ) {$5000.00} on XX/XX/2022. 

The money was converted to XXXX XXXX then sent from my Coinbase Account to my Coinbase Wallet  : XXXX The following link shows my transaction history with my seed code above : XXXX XXXX XXXX? XXXX XXXX XXXX is a Ponzi Scam that begin early XXXX, XXXX. 

As of XX/XX/XXXX, the funds are now missing, gone from the wallet. It wasn't transferred out and my account wasn't hacked. 

I received a message by XXXX  from XXXX XXXX XXXX XXXX XXXX '' XXXX " XXXX '' demanding I pay 10 % of my earnings to a third party USD Tether Address or transfer 20 % of the earning to my Coinbase wallet, otherwise my funds would be frozen. 

XXXXXXXX  is not partnered with Coinbase, XXXX, XXXX or XXXX XXXX as they claim. 

To my knowledge there are 1000 's of investors like myself who have lost a lot of money in this crypto currency ponzi scheme.
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have disputed a medical debt that ARS says I owe. I have repeatedly requested in the last year documentation and signatures to verify this information. The company has refused to provide anything after several attempts at communication and dispute with the CRAs including XXXX XXXX as well as directly. According to the FCRA this is a violation of federal law to continue to report this inaccurate information. I have not been to an ER. This has adversely affected my credit my score and my interest and my ability to obtain credit. I am again requesting any and all documentation and or signatures that claim I am responsible for this debt if not I would like it removed immediately or action to be taken in the form of a a lawsuit and or fine.