davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (AZ)

I recently attempted to refinance my BMW Financial Loan through XXXX themselves, which is an option they offer. They pass you off to another company, XXXX, which has horrible customer service. I did not hear back after several days, so I called XXXX to find out the status. They stated that BMW Financial denied the loan, as I have past due obligations to BMW Financial. They refused to provide any information, and referred me directly to BMW Financial. I do not have any Past Due Obligations to BMW Financial. I called BMW Financial, and they agreed that I do not have any Past Due Obligations, but refused to provide any more information on why my loan was declined, or to speak with someone in the department which handles approvals. I feel that BMW Financial needs to provide ACCURATE and thorough information if they are going to decline a loan, which they did not in this case.
Consumer complaint received 2021-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2018-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CT)

PHH is the servicing company for XXXX, which holds the mortgage.I tackled with PHH in XXXX 2017 about paying my property taxes early, due to the new tax laws. They advised me to do so and then send them separate receipts for each quarter  paid (I paid two quarters) via fax and then to follow up by phone two days later. They also advised that 10-days after my call they would be able to review my escrow account and return any overpayments to me.I followed the above procedures and asked for an escrow review. PHH advised me that two-days after my call they mistakingly sent payment to the XXXX XXXX XXXX for quarterly taxes and that I would have to wait for the money to be returned before they would review my escrow and return funds.The net is, they have asked me to fund their mistake and have been completely unresponsive, either not calling back for days or simply putting me off. I have gotten nowhere with them and would appreciate your intervention so that they immediately return the funds with interest credited from the day they removed them and, accordingly, review my escrow and return the overage.Thank you for your assistance.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is old information showing on my credit reports regarding my student loan. I have 1 student loan yet, my reports show several loans. Most of which states closed, and there is a late payment remark which is incorrect. I need this fixed and adjusted expeditiously!
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NY)

I have negative reporting on my credit report from IQ Data International in reference to monies owed to an Apartment complex in the state of Georgia. I told them it was not me and that I never lived in Georgia. I used to date a young lady there and she and her family members took it upon themselves to forge my name on an apartment and a utility billing addendum. When I contacted the credit bureaus they just said the debt was validated. I asked for a copy of the lease agreement but they had the collection agency to send me what they are using as proof of validation which was not an apartment rental lease agreement but only an utility billing addendum. When I saw what they provided, it was clearly not my signature. My name was printed out not signed and the other parties on the utility addendum had signed signatures. I responded to the credit bureaus and the collection agency with a letter in which I both signed and printed my name. I also sent them a copy of my drivers license and social security card showing the signatures did not match. They are still reporting this and I asked that it be deleted. Anyone can walk in with others and say they are me and print my name on a document but if there isnt a signed lease, thats because I was not a tenant in that apartment unit. I want that debt removed from my credit report immediately. 
Thank you
Consumer complaint received 2021-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc (NV)

Spoke to this company over 3 months ago concerning this debt. I told them I have XXXX  so this should have been paid and they said it wasn't. I contacted hospital and they said they didn't have information to submit it. I call XXXX  they gave me information how it should be submitted and I called hospital back and gave them this information. They said they would do a recall from collection agency and bill XXXX. The bill was paid, but the Plus Four Debt Collection agency has only removed from my XXXX  credit report. I've left messages for someone to contact me or get them removed from my other reports, but they are ignoring me.
Consumer complaint received 2021-01-18
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. (GA)

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

Hi, I have to checking accounts and one of my account I never put funds into it unless I 'm making a purchase. Once I make a purchase I transfer the fu day from another checking into the checking account that I use to pay a bill. And then a few days later after my purchases has posted from my account the bank then try to repost those same purchase making as if I have no funds in the account. There try and take money from me twice. The bank I 'm referring to is Wells Fargo bank
Consumer complaint received 2015-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CT)

In XXXX 2015 I filed complaint against Enhanced Recovery Company. Case # XXXX. During the dispute process, Enhanced Recovery advised they will request documentation from XXXX XXXX XXXX regarding this account. To date, no documentation has been received and the account is still listed on my credit reports.
Consumer complaint received 2016-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MO)

A little over a year ago my student loan was taken by Fed Loan Servicing and I filed the paper work for the Student loan Public service payment plan XX/XX/XXXX came time to file again XX/XX/XXXX and I have submitted the same paper work again and forced on forbearance for months while interest accrued, the company said " you did n't submit the correct paperwork, XXXX, pay stubs, etc .... '' can not talk to anyone their because every person has a different answer, I am a single father working in XXXX, working or trying to work towards student loan forgiveness plan. I was making XXXX payments, now have over XXXX in interest payments and still no payment plan in site!!!!!!!!
Consumer complaint received 2015-08-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (TX)

This is in addendum to the other complaint on file. I have asked over and over for a copy of the mpn on said private loan. I finally received it after two weeks. When I received it -- the signature page was so smudged-all important portions were blocked out so i ca n't tell the signatures or phone numbers. I was referred to a bank that supposedly had the loan and they found no records. also, the school that was tied to the loan ( XXXX ) is on the mpn as being XX/XX/XXXX and on the aes website it reflects XX/XX/XXXX. I am getting so tired of these numerous factors which my be incorrect or fraudelent. Pay history does n't match -- all banks or companies do n't have any information to reflect i owe this debt. what gives?????????????
Consumer complaint received 2016-12-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (NC)

Debt was covered by insurance but was not properly billed. When contacted by Optimum Outcomes I sent a registered letter to them the next day disputing the debt and that it was covered by insurance. The letter was ignored. I continued to receive daily robo calls for over 3 months ( Got one today! ), stating that they were trying to collect a debt. I checked in the XXXX XXXX XXXX ( The hiring party ) website and corrected the incorrect insurance information, it indicated that it would rebill the claim. NEVER happened. No response to the dispute letter! I checked with my insurance company who told me it was covered 100 % and had never been billed. They now have posted a disputed collection on my credit report! They could find my SS # but not my policy #!
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

In response to CFPB complaint XXXX Experian states they investigated fraudulent account on my credit report, only the result is even more errors on my credit report. 

1. Experian has been sent multiple times a copy of the Identity Theft affidavit from XXXX and has refused to act on it, this is a total disregard for their legal obligations under the California Fair Credit Reporting Act. XXXX and XXXX complied immediately, it is only Experian that refuses. I have again sent a copy of the affidavit and demand the fraudulent accounts be removed. 
2. As a result of their investigation Experian removed XXXX BANK XXXX XXXX and XXXX BANK XXXX XXXX accounts from my credit report XXXX which they mailed me. A week later I received a credit monitoring fraud alert, and XXXX these account have been re-inserted into my Experian credit report. It is extremely deceitful to remove these accounts from the report that I was sent and then immediately re-insert them, in addition I received no notification of re-insertion which is a violation of the FCRA. I demand these account be removed. 
3. As a result of their " investigation '' Experian updated XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX accounts to show bogus payments made in XXXX. Experian lists these accounts as Charged Off in XXXX, payments are not possible. Adding these false payments in an attempt to Re-age these accounts is a violation of FCRA and XXXX, Experian is required to report accurate information, I demand these accounts be deleted. 
4. As a result of their " investigation '' Experian updated XXXX BANK XXXX account to show 180 days late in XXXX of XXXX, when it also show Charged off in XXXX of XXXX. An attempt to Re-age these accounts is a violation of FCRA and XXXX, Experian is required to report accurate information, I demand these accounts be deleted. 
5. Experian continues to report address information that does not belong to me even after notifying them of previous identity theft. Experian is required to provide accurate information, by allowing this bogus address information to remain on my report they are increasing my risk for further fraudulent accounts, I demand they be removed. 

I have been trying to get this resolved for three years now, all other credit bureaus were willing to help, Experian refuses to comply with the law. 
I ca n't even refinance my mortgage because of Experian, I just want to get on with my life, if legal action for violations of the FCRA is the only way to motivate Experian to comply with the law then that will be my next step.
Consumer complaint received 2018-01-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CNG HOLDINGS INC (NC)

XXXX is reporting a fraudulent account on my credit report for {$480.00} ... and I have not had no credit account in my name ... I file a police report stating I have never had this account and its still reporting account as open ... this account shall be removed from my credit files
Consumer complaint received 2016-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I have disputed an entry several times in my report. Now the entry shows as " account in good standing '' but the details are still wrong. The account still shows many months of " charge off '' in the payment history, the balance says N/A when the balance is XXXX, and the account history shows the remarks " Charge Off as of XXXX XXXX to XXXX XXXX, XXXX XXXX to XXXX XXXX XXXX XXXX Bankruptcy Dismissed on XXXX XXXX, XXXX. '' None of this is correct. This debt was paid off, there was no dismissed bankruptcy on XXXX XXXX, XXXX and this debt is not a charge off. I can not get a straight answer from Experian.
Consumer complaint received 2022-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (NY)

I'm having trouble with a transfer reversal, and I no longer know what to do. On XX/XX/XXXX, I initiated a transfer via XXXX banks  website from Robinhood to XXXX. The funds were debited from Robinhood but never reached my XXXX account as there was a reversal initiated by XXXX bank who Robinhood has their ACH account partnership with. The funds have not been put back into the Robinhood account. XXXX is saying that the reversal 'expired ' and all Robinhood needs to do is re-request funds. However, Robinhood has been a nightmare. I've spoken to many different people that sometimes understand but nothing ever happens. Raising my voice, not allowing the rep to cut me off on the phone eventually causes them to understand exactly what happened but it always results in them having to pass the case off to a 'team ' that I'm not able to speak to. It becomes an email chain where they eventually stop responding. Now, last week, Robinhood has frozen my account and is not responding to my emails. When I speak to them on the phone, they just say they will pass my information off, and I should hear back soon via email. I've tried calling XXXX bank  twice for any kind of info, but they are of no help and say I need to talk to Robinhood. 

On the XXXX site, I can still see the transfer in 'Manual ' status. Robinhood shows the account was debited and the funds are not there. Each time I've spoken to Robinhood on the phone, they say they need one more thing. I've now provided statements from all accounts I have ever linked going back 4.5 years ago, a copy of my passport, a live picture verification, a copy of my driver 's license, and a copy of my SS card. I have no idea why they needed all these things. 

This is the shortened version leaving out how many times I've spoken to all the banks and the endless hold times and endless email chains. I'm getting desperate and I know I messed up using my Robinhood account as my primary bank account for over 3 years now. I never had an issue until now. The transfer was for {$1000.00}, so I have been panicking a bit. The fact that they froze my account is also causing issues paying bills and screwed up my paycheck when they froze it on a payday.
Consumer complaint received 2015-08-04
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC (FL)

This company calls me at least 3-4 times daily and now I have been contacted by old friends whom Transworld Systems called directly telling them that I have student loan debt and demanding information about my employer, address, phone number etc. This is absolutely embarrassing and unacceptable.I still have no idea how they were able to get their numbers but my privacy is completely comprimised.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: PNC Bank N.A. (TX)

I completed graduated school in XX/XX/XXXX. I recently received a contact from a debt collector stating she was calling on behalf of PNC loan bank regarding an account I defaulted on in XX/XX/XXXX. I informed her that I had spoken with the company in XXXX and informed them I had been enrolled in graduate school and actively taking classes until at least XXXX. She reported that was not the records she had been given. I inquired that if she had been notified that I defaulted in XXXX why was it just being sent for collections. She reported she did not know. I also asked for the account to be reviewed and contacted the creditor but they refused to give me any information about the account and directed me to the debt collector. I have recently requested information regarding my account from the debt collector, but I have not received any correspondence from her in weeks. I am mostly concerned because when I contacted the creditor they reported they had no contact information from me, but the debt collector claimed she called me the first day she received the debt and she had my personal cell number and address, however I never received any information from PNC about my account being at risk or sent into collections and when I consolidated my student loans in XX/XX/XXXX, they did not agree to allow the account to be consolidated with my federal loans, but I never received anything from them after that either.
Consumer complaint received 2015-04-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (MD)

Someone stole my money out of my checking account I did not authorize anyone to a control money from my account I filed a fraud claim immediately upon finding my funds work on SunTrust has denied my claim and now I have to file a rebuttal to have made me wait two weeks of no funds taken my sons XXXX check and my entire account plus fees over {$4000.00}
Consumer complaint received 2024-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

I was steered to interest accruing forbearance and deferment. My original loan was {$6500.00} but is now {$58000.00}. It has affected my credit and I was never offered the opportunity to make right the original amount.
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (WA)

Experian has an incorrect address for me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA. 
I have never lived at that address and never sent mail there. In another profile section, Experian had my correct address of XXXX XXXX XXXX XXXX, XXXX WA. 
On XXXX XXXX, 2016, I advise the Experian dispute department of this over the telephone. They refused to open a dispute file claiming XXXX Bank, issuer of a XXXX XXXX XXXX credit card had that as my address. Further, tehy stated it was their " policy '' to require the consumer to call the issuer. XXXX did have that as an address fro me but not from me, but from the Experian report they ran. I did not know of the mistake. 
Experian stated it was their " policy '' to make the consumer correct the mistake with the issuer. I stated that they must take the dispute unless it is frivolous and it was not frivolous as they have XXXX conflicting current addresses for me, and I was advising them that the XXXX XXXX address was incorrect. 
I was forced to call XXXX Bank fraud who made the change and stated that they got the address from the Experian credit report. 

Experian 's " policy '' shifts the burden of investigating a dispute under the FCRA from the reporting agency to the consumer, and contradicts Experian 's obligations under the FCRA. 
No other reporting agency refused to allow a dispute. 
if it is is a policy of Experian to refuse address disputes, then there are likely countless other consumers to which they apply this policy. 
The correct procedure should have been to take my dispute information and open an investigation, allowing the consumer to also call the issuer. 
Experian has " security '' questions to access my online account with them. The questions contain incorrect information on lines of credit, mortgages and other information. Experian does not have a method to allow the consumer to explain or dispute the security answer, claiming that they are generated from the consumer 's credit report. However, if Experian incorrectly inputs information, the Experian system locks out the consumer from his own account. In addition, Experian refuses to address or allow a dispute of the errors.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

My bank account was closed at my request in XX/XX/XXXX On XX/XX/XXXX XXXX XXXX tried to withdraw an autopayment. Per the Support center, it was returned onXX/XX/XXXX due to a closed bank account. On XX/XX/XXXXthe autopay was still on and they attempted to draw again from the closed account. OnXX/XX/XXXX, I cancelled my autopay and paid the bill at XXXX. At XXXX, I received a letter stating the autopay fromXX/XX/XXXX had been returned and to contact my financial insitution. When I logged on XX/XX/XXXX the account had an alert that it had been cancelled.

I did not receive a phone call, voicemail, email or letter stating that my account would be closed. When I reached out to customer service on XX/XX/XXXXand XX/XX/XXXX I was informed that it was closed due to two autopays being returned and could not be reopened.

I was not properly notified of account closure. I had also made a payment prior to receiving the autopay return. In my case, the return was due to a closed account inXX/XX/XXXX At that time, autopay should have been removed from my account, as the XX/XX/XXXXpayment would also be returned for the same reason.