davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2019 I XXXX XXXX sent a dispute letter ( certified Mail ) to Equifax Legal Department and it is now XX/XX/2019 and I have yet to receive a response. It has been more than the required time frame for them to respond.
Consumer complaint received 2016-08-09
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MA)

In XX/XX/XXXX, I entered into a lease agreement for a 2014 Chevy Equinox. The sales tax, among other fees were rolled into the lease agreement. In XX/XX/XXXX, I moved to Massachusetts from NY, the state I leased the vehicle in. Ally, the lender, sent me a statement saying that my monthly payment is going up because of the MA sales tax. I called Ally and spoke to someone that was in a foreign country that had no idea of what she was talking about. She was reading from a script and not answering the questions I was asking her, nor was she addressing or responding to what I was saying with any coherence. I told her that the sales tax was rolled into the payment and that it is listed in the lease agreement. She said she would have to check with the taxation department at Ally. I told her to call me back when she found out. Over a week has passed and no one has contacted me. I have since spoken with the original car dealership and they again confirmed that the tax was rolled into the monthly payments. I 've tried reaching out to Ally multiple times and each time I 'm met with incompetent people that barely speak English and who get beligerent when I ask to speak to someone in the United States and bury me on hold for over 30 minutes to speak to a supervisor, as was the case today. They do n't do what you ask and have terrible attitudes. However incompetent customer service there is, my main complaint is that they are trying to rob me. The additional monthly charge is not valid and no one there is available or willing to speak to me about it.
Consumer complaint received 2020-03-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (VA)

I have emailed Earnest twice to get my payment day shifted back by 2 days, but they refuse to do so. They say I have to go in and manually change to monthly, wait 24 hours, and then change back dates. It's not worth my time for something they could fix on their end in 3 seconds! See below for latest email I sent them. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX PDT Can you move my payment date back by 1 day ( move to XX/XX/XXXX, instead of the XXXX ). This will help me align it with my paycheck that I get on the XXXX. Please don't tell me I can do it myself. I want you to do it for me. I know you have the capability. Consider this message my formal written request. 
Please keep passing this up the chain of command until it reaches someone that can fix it. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-08-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (CA)

Prior to any invoice, I received a phone call from XXXX XXXX office attempting to collect {$1600.00} over the phone for payment for a XXXX. I advised that was inaccurate as they were in an in-network provider and I had high cost XXXX XXXX XXXX XXXX XXXX dental insurance and XXXX XXXX health which also had a dental provision. XXXX 's office refuses to take the mandatory write off that she is contractually bound to take as an in network provider. I already paid {$200.00} as reflected on the invoice. Please see the insurance patient responsibility of {$400.00} leaving a total of {$200.00}. remaining due. I requested an updated accurate invoice and XXXX refused. At that time I submitted a accurate XXXX review to which XXXX became enraged and sent my account to collections LESS than 3 weeks after sending the initial invoice. 
I filed an ongoing grievance with XXXX XXXX XXXX XXXX where XXXX is claiming she is not an in network provider in an attempt to harm my credit. Please see attached which clearly shows all facts above including that XXXX XXXX is on-network.
Consumer complaint received 2018-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

In XX/XX/XXXX  I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR following accounts XXXX** XXXX** XXXX**  DEBTS I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND  I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT  I am citizen of the unites states of age, would like to make a complaint against operating credit debt collection agency XXXX XXXX XXXX who apparently does not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the (FCRA) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615(f), 623(a)(6).
Consumer complaint received 2019-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TimeMark Solutions, Inc (CA)

Timemark solutions contacted me repeatedly and aggressively. They claimed they worked for the federal government and told me that I would have to pay fees to enter loan consolidation and income based repayment. They charged me 3 fees of XXXX and did not file the appropriate paperwork to enter into loan consolidation. They refused to offer any assistance after the fees were paid. Their agents and website were misleading and predatory.
Consumer complaint received 2019-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

New Account - XXXX - XXXX ( loan total ) - XXXX ( payment amount ) New Account - XXXX - XXXX ( loan total ) - XXXX ( payment amount ) Old Account - XXXX - XXXX ( loan total ) - XXXX ( payment amount ) Old Account - XXXX - XXXX ( loan total ) - XXXX ( payment amount ) When the old account " XXXX '' transferred to the new account " XXXX '' the principle payments were not applied. This resulted in my balance being reset. The payment amount also changed. This is an interest only loan associated with my main mortgage. I financed my down payment through a mortgage program offered during my transaction. This is also reflected in my closing documents. I now have a billing statement that went from $ XXXX to {$1300.00}. They're also charging escrow and principle on this loan which is not allowed. 

I have contacted this company multiple times, but no one has corrected this issue. I want to get this resolved. I have never been late on any payment and shouldn't have to chase the bank down to rectify this error. 

The larger loan seems to be correct, but I would like to see how the payments were applied just to verify that the principle balance is being reduced.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

After a recent name change, I promptly changed my name with my creditors ( banks, credit card companies, etc. ). As a result, my new name has been reported to all major credit bureaus. While the other credit bureaus handled this new information smoothly, Experian messed up my credit file. Specifically, my Experian credit file was split up by mistake into two separate files, one under my former name, and the other under my current name, even though both share the same SSN. This split-up led to the loss of my credit history with Experian ; the new credit file that Experian mistakenly created for my new name only contains 5 of my accounts, even though I should have about 45 accounts. 

I called Experian customer service several times on XX/XX/XXXX XX/XX/2019 to request them to recombine my two split-up files so that the missing credit history could be recovered. However, Experian customer service refused to do so, and they insisted naively that I need to do a name change with Experian by submitting my proof of name change. 

Experian customer service agents failed to comprehend the situation. There is no need for any name to be changed. I have already submitted my proof of name change to my creditors. My new name has been reported to Experian directly from my creditors with the exact same SSN, home address and account numbers. Experian has already known both my old name and new name, and both names are listed under the same SSN and reported under the same address ( I have not moved in at least three years ). The root cause of this issue is that Experian 's buggy computer system mistakenly created a new credit file for my new name instead of adding my new name to my existing file. What they need to do is simply to combine my two separate credit files ( under the same SSN ) back into a single file, as I have requested them to do repeatedly over the phone. ( By the way, upon checking my credit report from XXXX, I found that XXXX correctly added my new name to my exiting file without causing any problem, using the same information received from my creditors. ) In fact, even their own website says that after changing your name, " All you have to do is have your lenders change the name on your existing accounts. Your new name will be updated automatically when the account information is next reported, usually at the end of the billing cycle. '' Link : https : //www.experian.comXXXX
Consumer complaint received 2019-08-13
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. (TN)

I sent a dispute letter to Trans Union on XX/XX/19 certified mail & return regarding an unverified Bankruptcy XXXX docket # XXXX ) and the method of verification .I received the return receipt showing that Trans Union received it on XX/XX/19. 

After 42 days I did not receive a response and mailed a non response letter regarding my original dispute on XX/XX/19 certified mail and return receipt. I then got the return receipt back stating that they received the letter on XX/XX/19. 

I called Trans Union to ask if the received my non response letter and they stated that they did not receive it.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Someone fraudulently attempted to use my credit information. An inquiry showing up as XXXX showed up on my TransUnion today. I initiated a security freeze then attempted to call TransUnion to fix the problem. Firstly, the call center is in XXXX and I could barely understand the person I was talking to. Second, they wanted ME to contact the creditor, get a letter of validation, then mail it all to TransUnion for them to review. This process takes much longer than it needs to and is difficult to understand. I am being punished as a consumer by being forced to spend my valuable time to fix a problem that was created by a criminal. I am upset, confused, and I just want my information protected.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I repeatedly asked for evidence from XXXX, TransUnion, and XXXX to support their reporting, but yet again, they failed to provide me with a copy of any viable evidence submitted by the Bankruptcy courts substantiating their claims, which is an additional violation of The Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe that they are acting in bad faith, and have not complied with the FCRA. I have attached proof from the courts that they do not provide any information to credit agencies. And I have maintained records of all actions. The agencies claiming to get information from a court, when its actually obtained from an unnamed 3rd party that could be easily be considered false information on my report. I repeatedly requested for the Bankruptcy be removed from my report because it is an inaccurate unverified account.
Consumer complaint received 2019-08-14
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: Recovery One, LLC (AL)

I submitted a police report, my identification and other supporting documents to provide that the accounts was not mine. A police report is on file with the company. XXXX  removed the other fraud accounts but did not remove the fraud address and other fraud account. One account was reinserted without notification to me. Another XXXX XXXX stole my identity and they have picture of guy and police report. We have same name just different race.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CBE Group, Inc. (SC)

I spoke with this company on XX/XX/XXXXto advise of the incorrect information thats reporting on my credit. I asked to speak with someone in the compliance department to get this issue resolved and was told that I couldnt speak with anyone. This item is reporting and I dont owe the balance. This is hindering my current employment and if this isnt resolved I will be terminated from my job. My job has given me 7 days to get this issue resolved or Ill be terminated from my job. If that happens I will file a lawsuit against the company. Attached I have a ledger from the school stating that I dont owe a balance.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

I recently had Experian block some fraudulent information on my report as I am a victim of ID theft. They did this promptly and I am very impressed at how they handled it. However, I have no NEGATIVE items on my report anymore but some of my FICO scores ( diff versions all from Experians paid service ) will be about 100 pts lower and state there is a delinquent account. When I try to drill down into the account on my Experian creditworks there is no account there. I think that some of the blocked information is still effecting some versions of my FICO score. I have attached the screen shots so this makes more sense. Can someone please look into this because if a lender pulls fico 8 from Experian it is only XXXX when my Experian Fico 2 and bankcard 8 are above 750. 
I think this is because one of the accounts I had blocked was a fraudulent collection account, however it reported as a charge off collection EVERY month. ( if that makes sense ).
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-08-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have tried everything in my power to keep my home but i have been denied for all options except Short sale. After finally my agent found a buyer and submitted an offer for XXXX the lender rejected it and wanted a higher amount. On XX/XX/2018 a Counter offer to Select Portfolio Servicing was submitted and have requested the Short sell to be reviewed. 
When I originally submitted my short sell request the offer was not accepted and a counter offer was requested, I have provided all documentation requested from me to comply with the counter offer. I and my realtor have been in constant contact with Select Portfolio Servicing to check on the status of the short sell. After submitting all documents to Select Portfolio Servicing I was informed that the Short sell was declined due to upcoming foreclosure date of XX/XX/18. 
I have filed a complaint with the consumer financial Protection Bureau, and have requested a qualify Written Request regarding Select Portfolio Servicing not allowing for a proper review of Short sell. You ( Select Portfolio Servicing ) will not review any workout solution and you are now forcibly trying to foreclose my home without following the proper procedures. 
If you proceed with this foreclosure you will be violating Homeowners Bill of Rights [ SB 900 ] in an illegal foreclosure. Under Dual tracking It is illegal for Select Portfolio Servicing to send foreclosure notice as negotiations for a modification or short sale are still underway, It is illegal for a lender to deny a short sale or modification without providing a written explanation and a 30 day period to appeal the denial. 
Under the denial Letter dated XX/XX/18 I am still intitled to a 30 day to appeal or review. I have submitted documentation XX/XX/18 for review. If you continue with the foreclosure I will be committed to proceed with a lawsuit and fight this illegal foreclosure.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Hey I spoke with customer service at transunion and XXXX they wouldn't take care of the negative inquiries reporting on my credit report
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was promised by several representatives from XXXX XXXX XXXX XXXX Department that they were able to remove late payments from XXXX XXXX. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the representative that I spoke to name is XXXX on XX/XX/2018, reference # : XXXX.
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I could not access to my online banking and i called to the bank, they informing me that my accounts, and the account of my daughter too, the bank gave me the information that they will send us a letter and the money of each one of us to the address registered in the United States in a lapse of 7 to 10 business days counted from XX/XX/2018. 
we received only the letters but not the money. I called the telephone XXXX XXXX XXXX to know what had happened. We must wait 30 to 90 days to know what happened to our money for a unilateral decision of the bank.

While all the members of the family without recovering our money. 
I have been XXXX  on the XXXX twice and these situation of stress are endangering my health, in addition to being retired, feels discriminated against and abused with such uncertainty. 
We are not American citizens, nor are we residents, but we hope that our case will be considered abusive by you, because only after 29 business days the Bank of America decided to continue abusing our weakness and communicate the reality, a situation that was not exposed in the letter in which they communicate the decision to close our accounts. 
Bank of America shows scorn to the user when banking institutions must be clear and honest, because they not only manage, but survive with the funds of third parties that we trust in their credibility, as an institution and because they are from the United States of America.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.