davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-24
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. (TX)

I am having some a long term issue with Equifax. The issue I am having is they say they are updating my credit report, but they are n't. In fact, they always agree that I am correct, and they say they will update my credit report and fix it. Sadly, this is not true. They are not updating my credit report every single month. They make the update and then stop, FOREVER. I am being forced to manually dispute my report every single month in order to get any sort of updates attached to my credit report. I ca n't even get new accounts added. If I stop trying to have them update my credit report, I get denied for loans because well technically the data is too old.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing Santander Consumer USA as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan is currently being paid on and is current. Santander Consumer USA is maintaining a charge off even though the 180-day late timeline was never reached, and Santander Consumer USA never filed a default on record with any 10Q filing with the Securities & Exchange Commission. I am a member of the   XXXX   XXXX   that came to America for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full.
SANTANDER IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT!!!
I HAVE ATTACHED COPIES OF OUR PAYMENT HISTORY THAT VALIDATES THE LOAN IS CURRENT!!!
SANTANDER MUST ADDRESS ALL MISCELLANEOUS FEES THAT WE JUST RECEIVED!!!
I ASK THE CFPB TO HELP ME GET A FAIR EXCHANGE FROM SANTANDER CONSUMER USA!!!
THIS CREDIT TRAELINE MUST HAVE THE CHARGE-OFF STATUS DELETED IMMEDIATELY!!!
Consumer complaint received 2017-06-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Armor Systems Corporation (IL)

I call this company too ask about was my collection about after I see my   XXXX   XXXX    score and notifications from them and they told me they call number off time when never happened and they said they send me mail to my address when I never get anyone from them
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I 've notice  XXXX   XXXX  is associated with  XXXX    XXXX   XXXX  . The  XXXX   XXXX  stole my identity, by changing my date of birth on my   XXXX   credit report. My former employers have been changed from  XXXX   XXXX . All of my former addresses have been changed. Social Security have written me a query with all of my former employers ein # 's. They 've placed a seven year alert on my credit report & a monitoring service. Copies of my original mortgage was made with my signature. This is how they refinanced my mortgage with you &  XXXX    XXXX   XXXX   I used Attorney  XXXX   XXXX   XXXX  address to receive a copy of the invoice. The  XXXX   XXXX  is stealing my mail. I 've been under investigation by The FBI,  Secret Service &  The United States Attorney General  office  to learn what I now have knowledge of. They 've used my   XXXX    XXXX  child Power of Attorney to make these fraudgelant transactions. They filed my  XXXX  tax return using fraud information. My buy date was changed by the family to steal unemployment funds. Because my former employer  XXXX   XXXX  did not report taxes to  The Department of Labor.  My employee records was pulled also. The buy date was extended to  XX/XX/XXXX , it should have been  XX/XX/XXXX . They used Government funds to pay different mortgages with  XXXX    XXXX   XXXX  .  XXXX   XXXX    XXXX   XXXX   have also amended & restated all of my tax returns & made themselves my conservator. The company is a  XXXX . In  XXXX   XXXX   XXXX  used {$53000.00} of my employee owned senior preferred stock to sell my home. The  XXXX   XXXX  was in competition with  XXXX   XXXX  & they do n't know how the company is structered. They 've placed my life in jeopardy. The  Authorities  pulled my employee records from  XXXX   XXXX   XXXX    XXXX  . I 've been trying to notify all of my creditors. The  XXXX   XXXX   &   XXXX   XXXX  is trying to delete my history. I 've contacted  XXXX    XXXX   XXXX  . I would like to hear from you. The  XXXX   XXXX  had  XXXX    XXXX   XXXX   added to Bankruptcy court electronic data interchange in  XXXX . They changed the date of purchase to reflect  XX/XX/XXXX . That 's not true because I purchased the property that year with  XXXX   XXXX . They refinanced my home in  XXXX  & transmitted {$100000.00} to   XXXX   XXXX   from  XXXX   XXXX .
Consumer complaint received 2017-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

inquiry victim today i checked my report again i have inquires from companies i never authorized on all  XXXX  credit reports  XXXX ,  XXXX ,  Trans  union.   I called th e Credit reporting agencies they told me to call the companies, i called the companies and they said for me to send a copy to them and need to investigate it because the Credit reportin g agencies make mistakes.
Consumer complaint received 2017-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

The past few months XXXX 2017 through current, I have made formal disputes regarding Navient inaccurately reporting a debt they claim I owe. I am disputing the debt amount. Navient claims that I owe a loan balance of roughly $ 220k, but they ca n't find the consolidation documents that XXXX XXXX sent to them nor the Master Promissory Note to justify the balance. Navient referred me to NSLDS to find loan amount details and to XXXX for the MPN that they should have on file. Well, I do n't trust the info on NSLDS because Navient is reporting this information to NSLDS and the credit bureaus without proper evidential support. Even so, when I look onto NSLDS and perform the calculations it seems as though some loans were be consolidated twice and some loans that were not paid through consolidation are also being included in the total debt amount. When I went over the debt calculations as reported on NSLDS with XXXX XXXX, supervisor of the ombudsman department, and the social media department, the debt they are claiming I owe includes debts that were already consolidated previously through XXXX and XXXX XXXX and debts that were paid off through other methods other than consolidation. The social media representative at Navient noticed this as we were on the phone calculating debt and said she would email XXXX to verify if the loans were paid through consolidation or not. I am positive that XXXX would not have this information because they told me since they transferred it over years ago, they did n't keep any information on file. Yet, Navient continues to report the inaccurate information on my credit file. I have also filed a formal complaint to the US Department of Education in which they just referred it back to Navient to complete and thereafter closed the case after Navient sent an inaccurate spreadsheet that does n't align with NSDLS. US Department of Education did not facilitate an investigation of their own, they merely reassign it back to Navient. Also, when I check XXXX, there was no MPN on file. Ultimately, I feel that Navient is not listening. I am getting nowhere with them. No resolution ... just aggravation. HELP
Consumer complaint received 2017-06-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I use d Coinbase to  buy  XXXX   XXXX  for a total of {$430.00} on  XXXX   XXXX ,  2017 . I used their mobile application to monitor the health of the coin to see when the right time to sell was. On  XXXX   XXXX  I sold my  XXXX   XXXX  for {$680.00}. I have yet to receive the money into my account and have tried to reach out to the company via their support email to see when it will be delivered. They keep saying on their site how their running into issues and responses times are significantly delayed . Twelve days later or two business weeks later I still have yet to receive my money or an email from them.
Consumer complaint received 2017-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Last year my sister send me {$2000.00} from her chase account to my back of america account. my sister use my email address to send the money ; this email address was not register in my account. The money was deposit in a internal Bank of American Account. Now Bank of America do not want to return the money to chase. Every time i call, no one know how to help me.
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ORG GC GP BUYER, LLC (CA)

On XXXX XXXX XXXX. I received a levy on my bank account from a collection agency company that I did not borrow any money from amount {$530.00} and {$120.00} legal fee from XXXX XXXX XXXX. I did not  receive a notice of levy. A final notice of levy and still havent. I called the bank to find out what the issue was and with who and they kept not answering, set up a call back, then when they called back the prompts were in Spanish. However the call back was not set up in Spanish because I do not speak Spanish this happened 4 times. I went down to the bank branch. They say it s the Franchise tax board.Gave me the number. I call California franchise tax board. They tell me the levy was done by the courts but its not the courts its GC services. I call GC services and they lied and they dont have jurisdiction its the Franchise tax board. I went down to the address given XXXX XXXX XXXX XXXX XXXX CA XXXX and they try to tell me what Im looking for is at a different building, its not here I say no it is here and I gave them the case number they didnt want to llok it up but I knew and then they looked into it asking a manager there and the suddnly they knew what I was talking about deceptive practices I know it was done by GC services I submitted the paperwork to dispute the levy according to the Bill of rights GC Services is conducting deceptive collection practices. I ask for the levy info the writ of execution and they say they dont have it I am disputing the issue. They stole this money out of the account. wrote and went to file the documents on XXXX XXXX. I called the number given they told me the bank was supposed to send me the notice of levy and still they havent. GC Services Limited Partnership at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This levy has caused extreme additional hardships. It violated The context of a Fair Debt Collection Practices Act ( FDCPA ) action. claim by a debtor that a third part debt collector has engaged in prohibited conduct in collecting or attempting to collect a consumer debt. It is required that they return the money to me immediately.
Consumer complaint received 2017-06-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I really need help. I am XXXX and was approved for a medication from Bank of America. Since the medication, I had many expected medical problems last year which resorted to me getting XXXX XXXX. I was also involved with the housing programs. They completely rehabbed my home to accommodate my XXXX. The problem was that I had to move out and continue to keep up all the bills including mortage and utilities and rent somewhere else just to live and I had to pay rent there. They XXXX County promised me that it would be no longer that 90day and instead it I was out for 180 days which messed up my pockets. I have been sending money until they stopped accepting it. I also do n't understand that under the original modification I was approved. I 'm also getting more money through XXXX and keep getting denied when I was approved with a lesser salary Please help ... .I have no place to go. I have been in my home for over 20 years. I have pleaded and pleaded. I 'm trying to catch up. There has been a change in my circumstances and my financials, No one from Bank of America has asked me for any update nor my XXXX award letter nor and of my medical records. Please, please, please help me save my home.
Consumer complaint received 2016-05-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MO)

I called Navient on XXXX/XXXX/2016 to put my private student signature loans on forbearance because of unemployment and was told to call on XXXX/XXXX/2016 - five days after the due date for the student XXXX loans. I called today ( XXXX/XXXX/2016 ) and the woman who first helped me put me on hold and the call was dropped after 5 minutes. I call back and got a man who said my loans were up-to-date and I did n't need to request a forbearance until the XXXX. I told him that I wanted to do it because it 's pass the due date and I see payments were coming due. Then all of a sudden, the call disconnected.
Consumer complaint received 2017-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX Reference ID XXXX Dear Chase, On XX/XX/XXXX, I bought XXXX XXXX which were supposed to XXXX XXXX XXXX XXXX XXXX XXXX, and correcting other issues XXXX, and XXXX. I made this purchase at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX. <P/>Unfortunately, the service which were provided were inadequate because they did not enhance my XXXX or the XXXX XXXX XXXX XXXX. However, they did leave my XXXX XXXX and the feel of my XXXX XXXX XXXX. Also, XXXX XXXX XXXX failed to meet the timeline we had agreed upon, the process took over 2 months. <P/>To resolve the problem, I would appreciate a refund of the total charge amount. Enclosed are copies of my records receipts and explanation of benefits concerning this purchase/repair. <P/>I look forward to your reply and a resolution to my problem.Please contact me at above address. <P/>Sincerely, XXXX XXXX
Consumer complaint received 2017-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP (NJ)

I had credit card debt with the company called XXXX XXXX. The debt was approximately {$3500.00}. At the time I obtained the credit card I was married and was paying everything on time. Unfortunately shortly after, I got divorced, changed my last name back to my fathers and stopped paying my credit card debt. Many years later the company called Pressler and Pressler bought my debt from the bank XXXX XXXX. In approximately XXXX Pressler and Pressler began contacting me constantly but it was to my old last name, which was my ex-husbands last name. Eventually they put a link on my social security and continued calling me to pay. Years later they sued me again but this time to my correct last name. Pressler and Pressler also began garnishing my checks, taking 10 % of my pay per week. After about a year or so my pay drastically dropped and they could n't continue garnishing my checks because of how little I was now making. About two years later a court sheriff came to collect my tenants rent which was when I decided to get a lawyer. We tried settling but they refused all negotiations. Eventually my lawyer made a deal with them to pay {$2500.00} off the bat and {$500.00} every month until the total of {$5400.00} was paid. I decided to pay it through my lawyer to make sure everything was accounted for. After the last payment was made my layer called them to confirm that I did n't owe anything else and they told him everything was paid off. Many months later another sheriff came to collect my tenants rent with a new court order. About a week later I received a letter with the same sue asking for the same amount of money I originally owed. The only difference now is that the envelop contained my first name followed by my ex-husbands last name and inside the letter had my first name followed by my ex-husbands followed by " - '' followed by my actual full name with my father 's last name. We have proof and copies of ALL checks that were sent to them, copies of my divorce papers, and copies of the company I worked for when they garnished my checks.
Consumer complaint received 2017-06-24
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. (LA)

XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX 2017 Dear XXXX Experian/ XXXX : Please have the fraudulent account ( XXXX XXXX XXXX XXXX ) removed ; XXXX has removed it and it has been reported to the FTC. Also, the inquiries on my credit report, which I did not authorize need to be removed as well. <P/>Also, I contacted XXXX/ Experian XXXX XXXX 2017. <P/><P/><P/>Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (WA)

First found out that I had a collection through checking my credit  XXXX . It was  XXXX  and they claim I owe them {$90.00}. I asked for them to send me the original bill, because we do n't have  XXXX . They never did, so I called and told them that the address that they claim I owe them for I never lived there, so they removed it from my credit report. then  XXXX  again but now it is through  XXXX , had to go through the same thing and they removed from my credit. Again  XXXX  and  XXXX  through SOUTHWEST CREDIT SYSTEMS , L.P . I asked to see the original bil on  XXXX / XXXX /  XXXX   and they hang up, I call back and they give me a different excuse and hang up. then they call and harass me to pay.SEND ME THE BILL but yet again they do n't and tell me to contact  XXXX , which I have but they will not send me the original bill. I want this nightmare to end and to have this collection taken off my credit report.
Consumer complaint received 2017-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing  Santander Consumer USA a s a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of  Rule 5000 F DIC, that it has been in defaul t for 180-days or more . This is the federal mandate, not mine. This loan is currently being paid on and is current.  Santander Consumer USA i s maintaining a charge off even though the  180-day la te timeline was never reached, and  Santander Consumer USA ne ver filed a default on record with any  XXXX  filing with the  Securities & Exchange Commission . I am a member of th e  XXXX  Community  that came to  America  for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full.   SANTANDER IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT!!!   I HAVE ATTACHED COPIES OF OUR PAYMENT HISTORY THAT VALIDATES THE LOAN IS CURRENT!!!   SANTANDER MUST ADDRESS ALL MISCELLANEOUS FEES THAT WE JUST RECEIVED!!!   I ASK THE CFPB TO HELP ME GET A FAIR EXCHANGE FROM SANTANDER CONSUMER USA!!!   THIS CREDIT TRAELINE MUST HAVE THE CHARGE-OFF STATUS DELETED IMMEDIATELY!!!
Consumer complaint received 2017-05-11
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. (VA)

XXXX   XXXX  SS #  XXXX  dob  XXXX / XXXX /  XXXX    XXXX   XXXX    XXXX    XXXX  VA  XXXX  Transunion,  XXXX  and  XXXX  will not correct my  XXXX   XXXX   XXXX    account The credit limit is not correct and the balance is not correct the Credit limit is {$10000.00} and balance is  XXXX  see attached docs please update and correct my credit limit to {$10000.00} and my balance to  XXXX