davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates has been improperly reporting two separate accounts to XXXX credit agency. The two separate accounts are for XXXX XXXX XXXX XXXX  and XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Portfolio Recovery Associates has been reporting both accounts to XXXX as in an open status. They are both paid accounts. XXXX XXXXPRA was paid XX/XX/2016 for the amount of {$950.00} dollars. XXXX XXXXPRA was paid in the amount of {$600.00} XX/XX/2016. They should not be listed as an open status. They should be listed as paid and closed. Portfolio Recovery is listing that the two separate accounts are in a derogatory status upon XXXX  credit reports. They should not be listed as in a derogatory status. They have both been paid. I have not had any successes with my personal interactions in correspondence with Portfolio Recovery.
Consumer complaint received 2018-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (GA)

Suntrust Bank in XXXX, Georgia " apparently '' closed business checking account on or about XX/XX/2018. There was a balance of approximately {$3000.00}. This account belongs to a Collection Agency, specializing in commercial collections. Consequently, 75 % of the funds held DO NOT belong to the company, but belongs to third party clients. 
We have telephoned Suntrust on multiple occasions and NEVER received any information. On XX/XX/2018 a certified letter was written to XXXX XXXX XXXX XXXX, President of Suntrust, sent certified mail, return receipt. The letter was received. As of today, XX/XX/2018 there has been NO response, and no funds received and nothing back to the clients whose funds were deposited.
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ross, Stuart & Dawson Inc (GA)

XXXX XXXXXXXX XXXX got leads for me, just prior to the XX/XX/XXXX workshop, our XXXX XXXX XXXX XXXX XXXX, XXXX XXXX said he couldn't use the leads ( for potential life insurance ) because he'd be required to have a Certified Public Accountant ( " CPA '' ) license. The leads were from a tax course but I thought the company only did the marketing, didn't realize the tax company I wanted to use was " XXXX XXXXXXXX XXXX. '' I later talked to my regional sales leader, XXXX XXXX who said we could use the leads.Anyway, went forward ( {$11000.00} bill ) because didn't want to leave the nice woman in a lurch ( XXXX XXXX ). The people showed up but then I was liable for the bill. I was offered a payment plan by the staff then the owner calls and demands a large deposit ( I'd already paid {$500.00} and paid separately for the tax course ), which I didn't have. He sent me to collections, made a pay arrangement of about {$1100.00} @ month. Made two payments but now found out the leads may be used so am awaiting outcome of a decision regarding this via my Congressman XXXX XXXX. In the meantime, XXXX XXXXt ( Atty XXXX XXXX ) ( XXXX ) insists on calling me at work, then when I tell them to call me on my cell, and that I'm working on getting them paid ( and also keeping XXXX apprised via email ), they keep calling my work, talking to my boss, making demands, and sending the bill to my work email. They just called me at work twice today, last Friday, 2-3 times.I have a very reliable friend who was going to help me out with this back in late XXXX, early XXXX, but he got really sick and is just recovering. 

The last time I put on an event ( " XXXX 's Purple Purse '' domestic violence award XX/XX/XXXX ) for my boss it was so time consuming, that I was glad to see XXXX XXXX XXXX. They are very good and get the " butts in seats. '' I wanted to be fair and make sure they were paid, and keep their goodwill.
Consumer complaint received 2018-07-10
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. (PA)

On XXXX XXXX I received an extension that push two payments to the end of the loan from XX/XX/XXXX to XX/XX/XXXX and I did change my payment due date from the XXXX to the XXXX. And yes I have made late payments at times but they were made. I inquired one day when I noticed the date of the last payment has been pushed back to XX/XX/2018. I was informed that I never had a maturity date of XX/XX/2018. So I went ahead and made the payment, then I was I told That I had late fees over 300 hundred dollars. My payments were XXXX and I always paid XXXX I was told that money went towards my loan. I received a call on Friday XX/XX/18 from a mr XXXX stating my car payment was 11 days past due, when I inquired more I was transfer to a XXXX XXXX Who stated my maturity date was XX/XX/2018 and he asked did I want to open a complaint, and I did. Today a very nasty ms XXXX called stating that my maturity date has nothing to do with all the loan money being paid off and That I still owe thousands on the car, even tho I have made 73 payments one over the 72 that was stated to me at the being of this process. I have a lot of files but is having trouble uploading them
Consumer complaint received 2018-07-09
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. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. 
There is a serious issue of possible fraud, I am not associated with these following addresses please delete. XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2018-07-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Trans-Fast Remittance LLC (TX)

I set up a new account with Transfast to make an international transfer. Upon setting up the account, Transfast required that I login into my bank account in order to to verify me before processing the transfer. I was notified by email that their account security team would verify my details then process the transaction. Hours later, I received an email stating my transaction was cancelled bc their security team could not verify me. I called and was not given any other details besides the account had been cancelled. Their staff was very unprofessional when I attempted to escalate the call, I was told the supervisor would be in a meeting until XXXX. Basically, for the remaining of their shift. No one is giving me details for why my transaction was cancelled and account disabled, when they have very sensitive information of mine. I am now concerned that this company has access my bank account details and I have no clue what I formation they have or how it is stored in their servers.
Consumer complaint received 2018-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ameritech Financial (VA)

I consolidated my loans with a company called Ameritech Financial and signed up on XX/XX/XXXX. They started charging me fees on XX/XX/XXXX and told me that these payments would go towards paying down my loan. They told me if I kept paying through them for 25 years that whatever I had left to pay on my loans would be forgiven. I paid them all the way up until XXXX of XXXX and they charged me a total of {$2900.00}. The FTC sent me a letter stating the company was a fraud and was not paying our loans. I went to log into my loan service provider XXXX and saw that they had not made any payments on my behalf, but just simply put a forbearance on my account. I called them today XX/XX/XXXX to cancel my account with them and they said they will get customer service to call me back within 48 hours.
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aspen National Financial, Inc. (TN)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2018-07-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (MA)

On XX/XX/2018 I went to the XXXX, CT ( XXXX ) branch of Key Bank where I was a customer for a number of years. I needed to close my accounts and was assisted by one of their tellers in this. She was able to successfully close my checking account and give me a check for the balance, but when she attempted to do the same with my savings account, which had a balance of about {$11000.00}, a " computer issue '' occurred. It was unclear what this issue was, only that she was " locked out '' of the system. She called Key Bank 's helpline for assistance and after an hour was unable to make any progress towards closing the account and cutting me the check. I needed to leave the branch due to a commitment but was assured that she would continue to work on the issue and call me that afternoon. I was not contacted and called the bank myself on XX/XX/2018 to ask what was happening. They informed me that the teller who assisted me in closing the accounts was no longer employed by Key Bank and that the manager was investigating what had happened to my funds. My account has been closed ( this is shown by my online banking app ) but I have received no funds. I have contacted the bank again and have been given no answers, no updates beyond " we are working on it. '' At this time I feel suspicious of what has happened, especially as the employee in question is no longer working there. I can not understand why I have not been given my money, as it has now been 3 weeks since closing.
Consumer complaint received 2018-07-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GLOBAL CLIENT SOLUTIONS, LLC (TX)

Good afternoon, back in XX/XX/2013, both my husband and I enrolled in a debt solution program with XXXX XXXX and global client solutions. our debt totaled XXXX together of which XXXX was my debt at the time. I was advised to let all my accounts go into collections so that we could make a better deal. I submitted copies of our drivers license, social securities for both of us as well as all statements from all our creditors and our banking information. The calls from angry collectors began coming in at all hours of the day. I set up a monthly withdrawal to global client solutions from our checking account. Things didn't seem to be progressing even after making the monthly payments and after months a stop payment had to be put into place. There was no turning back credit wise, because the damage was done and it now included late fees and ridiculously high balances. Last summer I came across an email from cfbp that a settlement would be issued to clients affected by the debt settlement. my husband was included in the small settlement and after much sacrifice is still to this day trying to pay off that debt. I however, received nothing. My debt sits untouched, and tarnished even after all theses years. I called the company in charge of the settlement several times last year and they said all they could do is create a profile for me and see what happens. Sadly nothing has happened. I contacted XXXX XXXX XXXX and they stated that they have purged all old documents and that staff has been completely changed. I am at a complete loss as to what to do. Many places of employment require credit checks and obviously it is something I cant yet overcome. This issue has caused me a great deal of stress and anxiety. I hope that I can get help to resolve this issue that has dragged on for way too long. Thank you.
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. THIS ITEM OF INFORMATION HAS PLACED ME IN THE WRONG LIGHT WITH NEW CREDITORS WHO ARE REVIEWING MY CREDIT APPLICATION AND NOTICING CONTRADICTIONS IN THE DATA REPORTED IN MY CREDIT REPORT. THEREFORE, I AM ASKING THAT YOU CORRECT THIS ITEM OF INFORMATION AND REMOVE THE INCORRECT INFORMATION.
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Phelan Hallinan Diamond & Jones, PC (PA)

The lair representing this criminal ( find guilty inside the superior court ) consider false information provided t you even by the DOJ, USA Inspector General How ling this incompetent continue to lie thinking that we do not keep record Copy of this lair garbage was sent back to DOJ and USA Inspector General to Ethic committee and PA Attorney General We need to close this criminal looting organizer so no other family with no financial obligation will go through the same criminal activity from this lairs ad cover up garbage firm What this Phelan Hallinam did was criminal, vicious and malicious done again in a top secret close door knowingly that I will be in XXXX in order to prove that most documents fabricated in XXXX by XXXX are used in USA to defraud families. XXXX XXXX this is your chance to put back allstolen by you private property before I win the case. After it, there will be criminal charges againt your criminal activity done intentionaly in a top secret close door knowingly that my property is located inside a close in community and in case you do not have ( temporary in my case ) the Deed you do not have acces inside the community. I pray that one of the incompatant lawyeres from XXXX or Phelan will try to protect you inside the Criminal Court. XXXX and in particular XXXX knew this and did their best to abuse the system and if you do not put back my private property we will have many years in criminal courts count on it. This was possible because the Greek running XXXX XXXX ( soon will be replaces ) XXXX XXXX XXXX XXXX order it as confirmed by pettifogger assistant XXXX XXXX XXXX of Law Firm Phelan Hallinan in his deceiving and covering up letter sent to CFPB. I mention the word Greek is because the Greek people are well known of having honor, dignity, decency and respect for humanity but not this one from XXXX XXXX.
Consumer complaint received 2018-07-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

During the course of servicing my loans, Sallie Mae ( later Navient ) would not allow me to consolidate ANY of my loans. Further, i was not given the opportunity to enter into an IBR plan. I was constantly told I could only do a temporary " economic hardship '' or defer my payments. Over the course of the servicing period, I had to do BOTH economic hardships and deferments on my payments. Sallie Mae also attempted to claim I defaulted on a payment due to their own mistake ( luckily, I was able to prove to them that the payment was made and the mistake was on their side ).

In 2015, my loans were moved to another carrier in which I was able to consolidate the loans AND enter into an IBR plan.
Consumer complaint received 2018-07-09
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. (FL)

On XX/XX/XXXX, my husband and I submitted an investigation request to Equifax. My husband received his response a couple of weeks ago like he should have, but I have yet to receive anything from Equifax. They were supposed to send me the results within 30 days, but they have not.
Consumer complaint received 2018-07-10
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. (DC)

This complaint is in reference to the XXXX XXXX XXXX Acct : XXXX on my Experian credit report.I have contacted Experian several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e.  something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing.I do not consent to XXXX or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims actions. In the absence of any such documentation I formally request that this information be immediatedly deleted from the credit file
Consumer complaint received 2018-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (DE)

An offer was sent to receive a {$200.00} bonus for opening a checking account. The terms stated to open the account by XX/XX/2018 and make a direct deposit of {$500.00} or more within the first 90 days to receive the bonus. 

An attempt was made to open the account online on XX/XX/18, but there was an error and said to finish by calling or going to a branch. On XX/XX/18, we went into the XXXX, MD branch to complete the application process using the promotion sent in the mail. 

Following the terms and conditions, a direct deposit was made on XX/XX/18 for more than the required amount in the promotion. After a few months, M & T was contacted via online secure messaging on XX/XX/18 to confirm if the bonus would post. An agent replied on XX/XX/18 that the bonus should post by XX/XX/18 if the account is in good standing and the requirements have been met. No bonus posted by XX/XX/18, so another secure message was sent on XX/XX/18 to inquire. M & T replied on XX/XX/18 stating that the offer was not for the primary account holder but the joint account holder. As a result, they said the bonus would not post. 

Based on this, they never set up the account correctly in the branch by not making the primary account holder the name on the offer. After speaking with the branch on XX/XX/18, they continued to insist that they would not give the bonus.
Consumer complaint received 2018-07-09
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: LOBEL FINANCIAL CORPORATION (CA)

I had purchase a truck from this dealership at a certain price that I took out that same day everything happened so fast that I didnt believe it that I had boughted a car by my self I took it in give a down payment if it promised to pay in one month while I made my first payment on the load made my first payment on the loan but one week before the 30day warranty period the truck broke down which I had to pay out of pocket because I could not afford to loose any day of work fix the truck for couple day driving it white no ac for the matter that I had fix up until I need to make my down payment already but second payment on the loan came by since it way on a holiday XX/XX/XXXX one on my derelict deposits was not made until the next business day so second payment fail got the call from the dealership say that there contract with this lender was rejected and we had to apply for another lander which was libel finacial give me a higher interest rate and payment plan with a an additional hidden fee called GAP got approved had a cal from the lander asking me additional questions about the vehicle that the dealer told me to say in other word lie to value more the car and get approved with out my acknowledgement of there intention got approved never seen the original contract from the second lander in the mean while my truck was getting fix driving a loaner car from a the dealership missing afew Daya work getting fired from one job a had out 2 in that time frame and never got Reimburse of anything out of my pocket 6 to 8 pass the lender harassing me that I had not made my full payment that I had trusted the dealer I was going to pay XXXX $ instead of XXXX $ before with the other lender long store short I couldnt negotiate nothing with the lender and told the lander yo just come and repo my truck have to loose a lot from this deal that I felt was wrong as a costumer I feel being a fist time buyer things like this should not happen to no one very upset of this deal never again I ll buy a used vehicle in my life.
Consumer complaint received 2018-07-09
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)

On XX/XX/XXXX I noticed an inquiry from XXXX XXXX that I did not authorize so I called Experian immediately. I was advised that I had to contact XXXX Bank using the information that they ( Experian ) provided on the credit report. I wrote XXXX XXXX on that same day, XX/XX/XXXX to remove the unauthorized inquiry using the address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CO XXXX. This was the address provided by Experian. On XX/XX/XXXX, I received a " Return to Sender '' notice on the same letter that I sent to XXXX XXXX. I checked the address that I wrote on the envelope and it was exactly how it was provided on my Experian report. Therefore, because Experian is providing inaccurate information, I want the inquiry removed.