davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

On XX/XX/XXXX I was contacted by a loan officer of Loan Depot ( loandepot.com ) for a mortgage refinance. He explained to me that I was prequalified after he pulled my credit report. He asked for my credit card number to pay for the appraisal. I gave him my credit card number and then {$370.00} was charged to my credit card. About two weeks into the mortgage loan process, The loan officer suddenly had become unresponsive to my phone messages and email inquiries. My last contact with him was on XX/XX/XXXX. Then on XX/XX/XXXX, my processor sent me an email notifying me that the  appraisal had been finished. Then after that my loan was a complete standstill. I could not get any updates with my loan until XX/XX/XXXX when my processor sent me an email stating that they were trying get some conditions fixed with the appraisal. By this time my loan had been reassigned to another loan officer.  Eventually on XX/XX/XXXX, my processor told me that the appraisal was useless because the appriser refused to fix some corrections in the appraisal. My processor said that Loan Depot would be doing a desk appraisal instead which is only running comparable sales from a computer. This completely messed up my loan and made purchasing an actual appraisal a waste of time and money. I should not be liable to pay for the appraisal. Loan Depot made a complete mockery of this loan. I was misguided by the initial loan officer who ordered the appraisal. Three weeks into the loan process my loan officer suddenly disappeared while leaving my loan at a complete standstill for weeks. Then the appraisal ordered was insufficient and could not be used causing my loan to be denied. The appraiser refused to provide the required information for the processor so it was a total waste.Now I am being charged {$370.00} for an appraisal that was done according to Loan Depot 's standards and they were the ones who ordered the appraisal.
Consumer complaint received 2017-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (IL)

I tried canceling my membership and have been running around in circles for almost a month now because I have been forced to be the middle man between them and their horrible billing company, ABC Financial. I did EVERYTHING the club asked of me to cancel, yet ABC has a completely different set of rules, which keep changing. The club says I am cancelled but ABC says I am not. They then make up new rules and claims and are trying to collect even more money and not closing my account. Customer service and management have not helped or followed up in a timely matter. As a consumer I have never been put in such a terrible position and I know many, many others have also had this problem. I would pay the extra money they now say I owe and therefore are refusing to close my account but I 'm afraid to give them credit card information or that I will pay them but continue to be charged, just like last time. Both I have requested a letter from both ABC Financial and XXXX stating my account is paid and closed and that has been ignored.
Consumer complaint received 2017-11-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TX)

I wrote a letter for validation of debt to company. Sent certified mail on XX/XX/XXXX.  Midwest Recovery Systems received certified mail on XX/XX/XXXX @ XXXX. Failed to receive validation of debt from said company. Midwest Recovery Systems is in direct violation of Federal Law of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Consumer complaint received 2017-11-16
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. (TN)

This account is not being reported correctly, this account was paid off because it was in a car accident and had gap insurance. It was never charged off. 

You 've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 9 mos ) Term 72 months Payment History Youve made 100 % of payments for this account on time.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type Auto Responsibility Individual Remarks Paid charge off Fixed rate Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America Missouri, has caused Financial harm and Financial Deformation, by reporting inaccurate and false information to XXXX. XXXX Consumer ID report number XXXX has caused me Financial harm and Financial Deformation by reporting to Banks inaccurate and false information.
Consumer complaint received 2017-11-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I am trying to make a transfer from a Bitcoin 'Vault ' to a Bitcoin Wallet. The transaction is not allowed to go through, as it says there is another transaction in progress. 

The problem is that it is impossible to be any other transaction in progress. Any 'Vault ' transaction should automatically cancel after 48 hours ( as per their security rules ). The last time I made a transaction was in XX/XX/XXXX ( now XX/XX/XXXX ), hence, should be nothing currently in progress. 

I have contacted support, several times, and since XX/XX/XXXX they have stopped responding to my messages. The problem still continues ( XX/XX/XXXX ).
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Please be advised I had a State of Georgia Tax lien many years ago and it has been paid in full! It was placed on my credit report back in XX/XX/XXXX! It is now XX/XX/XXXX and they still continue to report it! I have disputed it many times and they  continue to say it is accurate and it is time for it to be removed! Equifax is not verifying the data as they should they rely on some company who actually just keeps inaccurate records and they come back and say it was verified! How, when a court does not even report information to the bureau! The practice they use are not only unfair but I am sure illegal and surely unethical!
Consumer complaint received 2017-11-17
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. (VA)

I have contacted all three bureaus for the past 5 months in reference to several fraudulent request for credit that showed up on my credit report in the inquiry field. There are over XXXX inquiries within this 5 month span and this was not authorized by me the consumer. I have called them numerous times, i have filed a police report, i have submitted documentation and letters to them advising the information was fraudulently requested with my personal information after my identity was compromised. 

My entire credit file with XXXX was compromised and was showing up with me as being deceased. XXXX had many security breaches and this bureau was assessed along with Transunion. 

With all the security breaches with the bureaus, you would think their customer service would have improved but nothing has occurred at all. 

I need some assistance in this matter as it negatively affecting my credit file. I have a fraud alert on my credit file, a credit freeze, and regularly visit the sites to see if anything has happened. 

Please provide some assistance in this matter. 

Thank you
Consumer complaint received 2017-11-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DriveTime (MS)

I purchased a car on XX/XX/XXXX with Drivetime auto returned it on XX/XX/XXXX. They advised that I could turn the car back within 5 days which I did they advised if I was not satisfied with the car I would receive my deposit back of {$590.00} for nearly two weeks they have had me back and forth advising they are waiting on a check from corporate office in order to refund me my money. After being back and forth for 2 weeks they now advise they are not giving me my money back and that I was lucky they did not charge me more. More than anything this has been a deceptive way of keeping my money they gave me paperwork showing the deposit and I never thought that I would have to go through this to get my money back after this being my second car loan with this company. If they are doing this to me they are doing this to many other people making people believe they are returning the money having you back and forth and after two weeks then put you on to the manager and tell you that you are not getting your deposit back. I should not have to keep calling your office and coming by and running up and down for nothing this is deceptive disgusting and needs to stop I want my money back I do n't have your car you gave me the run around for 2 weeks and having me stop my day calling you and coming by your office this is unacceptable to the consumer. I got a piece of paper showing my {$590.00} he had me back and forth for my money no one understands all of this other than they do I only want my money back as they agreed verbally for more than 2 weeks that I would get it back.
Consumer complaint received 2017-11-16
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (SC)

Navient continues adding balances and subtracting balances from my accounts. This is adversely affecting my credit score. I am in the middle of financing and their updates are detrimental to the process. For one, after being in forbearance and for the second time i consolidated four loans into one. I was told that the existing two accounts that were closed on XX/XX/XXXX and XX/XX/XXXX would be deleted from all credit bureaus. As soon as I consolidated by phone five loans were visible on my credit reports..PLEASE REMOVE ALL LOANS older than 7 years off my credit report, as that is more than the SOL for my state. I need this REMOVED ASAP as Navient is doing illegal collecting and credit reporting practices.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I had a car accident in XXXX XXXX, XXXX. Had a total loss on the vehicle. Car insurance carrier paid {$30000.00} to XXXX XXXX, the lender. We 've done our part by communicating between the lender, Gap Insurance and the XXXX dealer. We 've faxed all the documents needed. We have n't heard anything from XXXX until the 2nd week of XXXX. I was alarmed to find out that our Gap Insurance has n't paid the remaining balance owed to the vehicle. I asked the Representative, a male, as to why we are just informed now after three months. He basically told me that they ca n't get hold of our Gap Insurance company after so many attempts, and that 's why they 're now contacting me. I called Gap Insurance Company and asked them of the progress. I was told that the documents they received three months ago were not eligible to read, so they could not proceed with the claim and they do not communicate with the lender or the customer. We made several phone calls between XXXX and the dealership for the next two weeks. Then on XXXX XXXX, XXXX at XXXX, I received a phone call from the XXXX call center. I spoke to XXXX and I was told that they received the Gap Insurance payment and all they 're waiting now is for the dealer to cancel the extended warranty service that we purchased on the vehicle. The next day, I had to go to the dealership to take care of it personally. While at the dealership, the finance manager looked up our account and discovered that our policy has been cancelled and only the lender can do that according to her. And a payment check of {$540.00} was sent to XXXX on the XXXX XXXX while Gap Insurance sent the check on the XXXX. XXXX failed to communicate with us in a timely manner. Because of their incompetence, we are being punished by reporting our account delinquent. If you talk to one XXXX rep, it will tell us another. It seems like the other hand does n't know what the other hand is doing. We 've tried calling XXXX several times asking them to remove the late report on the 3 credit reporting agency but until now, nothing has been done. So, I will not own the delinquent report on my credit reports because XXXX in the first place, failed customer service. They have my email, contact number to call or home address but they never updated us of the status of the claim until three months had passed.
Consumer complaint received 2017-11-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pressler & Pressler, LLP (NJ)

A medical procedure was performed while I was under workman 's compensation insurance in XXXX XXXX. There was a billing error and the insurance company never received or paid the bill for XXXX ( XXXX XXXX XXXX ). I was overwhelmed with the circumstances and unemployed by the time I received the bill. I did not pay the bill and the bill went to a collection agency ( XXXX ). Eventually that debt was picked up by Pressler & Pressler of XXXX, NJ. Pressler and Pressler 's attorney, XXXX XXXX XXXX, filed a Notice of Motion Turnover and seized assets from my bank account in the amount of {$1600.00} in XXXX XXXX. This was done through a Civil Action of XXXX XXXX XXXX vs. me. The original judgement was for {$4.00}, XXXX plus costs. I was unable to pay this bill or hire an attorney. In XXXX, when I found work again, Pressler & Pressler went back to court and filed a Wage Execution and continued to take money to cover the bill as well the fees they continued to create. Pressler and Pressler refused to communicate via email and always talked on a recorded line. Pressler and Pressler took over {$4000.00} of my money. I have recently called XXXX ( the company holding the debt ) they informed me that my balance is still unpaid. 

Eventually when I secured employment again and got my life back in order I called XXXX XXXX XXXX and they informed me they would have worked with me on the bill. That amount is what they charge insurance companies and rarely get the total amount so they also would have settled for less from me. XXXX XXXX XXXX is using a new computer system for billing and they are unable to produce the original bill for me. 

In the summer of XXXX, I found out that I was covered by workmans compensation insurance during the time of this procedure. The workmans compensation insurance company was willing to reimburse me what I paid out of pocket to Pressler and Pressler, but they needed to see the original bill. I have contacted Pressler and Pressler as well as the XXXX company and neither will provide the original bill for which they took my money. I am at a loss and feel extremely taken advantage of by Pressler and Pressler.
Consumer complaint received 2017-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (WI)

Starting last year, I started receiving letters from XXXX XXXX, a collection agency regarding a PayPal Credit debt. I had a PayPal Credit account many years ago, before I retired, and it was included in a debt consolidation program I joined called XXXX, XXXX. When my consolidation was all paid off, XXXX sent me a letter, which, unfortunately, I no longer have. I never thought that this many years later I would receive a letter about it. To the best of my recollection, my XXXX account was completed around 2006 or so. I honestly can not remember, but it was completed a long time ago. 

XXXX XXXX is trying to collect over {$200.00} from me and I will tell you right now that I am not paying a dime. My account was paid in full by XXXX, XXXX and I have no open accounts with PayPal Credit. I want XXXX XXXX to stop harassing me. I have already told them that I will NOT respond kindly, nor will I pay this debt that I have paid a long time ago.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I received a letter from XXXX, congratulating me on my loans being paid in full. But XXXX keeps adding balances and subtracting balances to my account. This is adversely affecting my credit score! I 'm in the middle of financing and their frequent updates are detrimental to this process. Also, I want all loans older than 6 years off my credit report, as that is more than the SOL for my state. I need this done ASAP as XXXX is doing illegal and reporting practices.
Consumer complaint received 2017-11-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (VA)

Bill pay kept paying after I took back the authority they once had because I XXXX bill pay t6he credit union as told not to pay any more bills for paid bills knowing the fund had be directed to another bank and being told not but they charged more fees and paid no bills just collected more fees from my account. They was paying bills and not telling me but charge me fees the as if they paid bills. my credit is really messed up and they did nothing to assist me to correct it all though in their manual they were responsible for not getting the payment out on time the only thing they did was denied me credit for late payments that was on the report caused by them they denied me credit for what they did and or cause. Now they are expecting me to pay for bill pay intentional act call me every week and I tell the same thing get from bill pay. Charge me fees for returned checks they wrote knowing the fund was not there they just wanted to collet fees, I had to get out of their bill it was miss using my funds I have to get my credit fixed I can do anything including getting a jog I had a business because of the late payment canceled my money order sell and cut the machine off. They have done nothing to help me fix the problem they refused to give me a copy of letter the claim they sent credit reporting agency 's
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NV)

XX/XX/XXXX - requested & reviewed XXXX credit report utilizing XXXX XXXX XXXX XXXX On review, disputed entry regarding credit card account issued by Comenity Bank XXXX. I have never heard of, had phone conversation or other correspondence with this bank. 

XX/XX/XXXX - message from XXXX with link to review results which shows the bank has verified the account is active - dispute rejected. 

XXXX - received welcome letter & credit card from Comenity Bank for an account to be used at 'XXXX ' store. Again, I have no knowledge of, have never purchased from, or any other interaction with Comenity Bank, or XXXX. ( Please note this card was received more than 3 months after the credit report shows that it was opened ) XXXX - went on Comenity Website to request account be closed, and all reference to the account to be removed from my credit report. To date, there has been no reply from Comenity Bank. 

To date, and to my knowledge, there has been no financial transactions, or liability. This appears to be a scam marketing campaign. I have not held a store credit card since I closed a XXXX card more than 25 years ago. I hold a combination of more than 5 XXXX, XXXX, and XXXX cards each with a minimum limit of {$15000.00}. Why would I want a card for XXXX with a limit of {$750.00}? 

I want the reference to be removed from my credit report. The bank & XXXX should be given a strong warning, and or financial penalty regarding this type of marketing.
Consumer complaint received 2017-11-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MI)

I have been in contact with mr cooper going through a re modification I was notified XXXX via mail my modification was missing 2 documents that were due by XXXX I emailed them the morning of XXXX and got confirmation the modification dept received my documents. Later that night I was notified by a " house flipper '' not mr cooper my house was being auctioned off the next day!! Even after mr cooper acknowledged receiving my documents they attempted to auction my house without any notices sent to me my documents are not even due till XXXXi am a mother of XXXX full time employment and was told to file for remodification by Mr. Cooper 's upper management and in return they try to auction off my house without giving me the chance of my read modification to go through to be excepted or denied and did not notify me of anything in anyway shape or form and told me this morning that even though I am in we modification that they can still auction off my house which is not legal in the state of Michigan my home did not sell in the auction today and with the mis representation of mr cooper and lieng to me I have retained legal counsel today for arbitration all I want is to remodify my mortgage and continue paying on my home like I have the past 7 years