davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-10
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (TX)

I bought several XXXX value visa cards in XXXX on XX/XX/XXXX. I found that XXXX cards were not able to use on XX/XX/XXXX and contacted the customer service ( XXXX ) XXXX on back of my prepaid cards immediately. They said something went wrong on their side so they would refund me via a check. I sent in all information they need : back and front of the cards, my driver license etc. However, the refund case XXXX has been investigated until now and no resolution has been made. And they could not even provide a time-frame of the refund since customer service said other second level department is investigating and has no response. I feel very dissatisfied that my XXXX refund needs such a long time to be delivered, and even do not know when I can get the check.
Consumer complaint received 2017-03-29
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Bankers Auto Acceptance (CA)

Time Finance company is calling me repeatedly today XX/XX/2017 The called 6 times in a row around XXXX I was at the doctors and left a voicemail they have called 4 times after through the day ... .a voicemail is considered contact as well
Consumer complaint received 2017-03-31
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Julem Capital Corp (NY)

I am submitting this complaint due to the deceptive businesses practices of the companies Julem Capital Corp, XXXX XXXX and XXXX XXXX. I sought assistance with a foreclosure bailout and I was led to believe that they would assist me with a short term interest only loan and then roll the loan over into a lower fixed rate loan for 4-6 % percent when I was ready to refinance. The Attorney 's General Office and the XXXX DA 's Office suggested that I also file a complaint with your division due to the predatory lending nature of the situation. The three companies colluded with the intent to take the property. They gave me the loan in hopes that I would fail so that they could steal the equity in the property. I also believe that I was targeted due to my pressing matter to avoid foreclosure, my divorce settlement as well as the fact that I am a XXXX women who was deemed highly desperate for a bailout. Foreclosure action has been filed by XXXX XXXX XXXX of Julem Capital Corp in XXXX, New York. 
XXXX XXXX believes the best recourse is to TAKE MY PROPERTY instead of doing a greater good by working out a modification to resolve the matter. Hence, the foreclosure action against me. This is what XXXX XXXX, Julem Capital Corp and XXXX XXXX planned all along. Yet XXXX XXXX claimed that he was one of the good guys and he eluded to the fact that XXXX XXXX and XXXX XXXX were the bad guys when he called me in XXXX 2016 to tell me he was the investor with a lien on the property. XXXX XXXX never had any intentions of helping me be whole again by rolling it over to a better loan for me. He was like a crouching tiger waiting to pounce as soon as I made one wrong move. He met me at the property in XXXX 2016 deceptively pretending to be a staff member of XXXX and XXXX XXXX. Later I learned he provided the financing. The way he has treated me since we first met in XXXX 2016 is as if I should not have such a property. He will deny that he said that he would help me get a lower rate. I needed help and the three companies used it to their advantage in a way that benefited all of them with concern about my well being whatsoever. It was false pretense and bait and switch from the onset. I am fully persuaded that I was as well as my property was targeted intentionally. I am unlike their other investors or hard money borrowers or the type of individuals they usually deal with. I was considered easy prey in my estimation of the circumstance.
Consumer complaint received 2017-03-29
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: P.S.C., Inc (WA)

I had a judgment placed on me for medical bills that I never received on XX/XX/XXXX, 2017 by Puget Sound Collection Inc. ( PSC ) in the amount of {$5800.00} and PSC court Fee 's of {$530.00} which totals out for them to be {$6400.00}. I noticed the large amounts of medical bills and immediately contacted PSC Inc. and found out that most the bills were due to a L & I claim that I had years ago that multi-care never bill them for but knew it was an L & I claim. PSC and Multi-care both denied that it was but I had medical proof that they knew but did not disclosed this to me or the court. I began to investigate this insane amount. my findings through doing a discovery with a legal aid service & L & I showed that Multi-care knew that most of my bills that I was being persuade for were in fact a claim from years ago. I contacted PSC and was told to take it to court it does n't matter to them if I can prove that they falsified documentation or not it 's up to the court to decide and since judgement was already ordered against me I was told " GOOD LUCK '' after weeks of hard work and labor and taking days off work to attend to this matter I finally submitted my paperwork to the court on XX/XX/XXXX, 2017. I spoke with PSC Lawyer XXXX XXXX XXXX after I saw the judge on my case who set a court date for XX/XX/XXXX, 2017. we had a conversation and he emailed me the next day. and I responded to his email back in reference to my case. we came to an agreement on the amount owed. and paperwork was finalized in court on XX/XX/XXXX, 2017. I went to PSC Inc. dropped off the paperwork that day from the court and came back on the XXXX of XXXX and made a payment of {$250.00} in cash to PSC and noticed that they are charging me fees for court and there lawyer, this is not what I agreed to with the Lawyer that represented PSC Inc? I have attached the following PDF files in the order of events as they occurred.
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: DOAN SOLUTIONS (FL)

I was contacted by  XXXX  via my school district protected email regarding a service to assist with public service loan forgiveness. When I called  XXXX  I was transferred to Doan Solutions LLC who I was told was contracted with them. I signed a contract and was charged a {$390.00} for their assistance with this program. After speaking with Fe d Loan Servicing, I believe this is a scam because they stated I should not have been charged a fee for those servic es.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
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: MOHELA (TX)

In accordance with the Fair Credit Reporting Act ( MOHELA/XXXX ) has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 
Under 15 USC 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
XXXX XXXX Date Opened XXXX XXXX Balance Owed : {$1800.00}, MOHELA/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, MOHELA/XXXX XXXX Date Opened : XXXX  Balance Owed : {$2800.00}, MOHELA/XXXX XXXX  Date Opened XXXX XXXX Balance Owed : {$4200.00}, MOHELA/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$790.00}, MOHELAXXXX XXXX Date Opened : XXXX  Balance Owed : {$2000.00}
Consumer complaint received 2016-07-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

Well fargo has robbed me. here are the accts XXXX, XXXX, XXXX,XXXX, I received a letter stating XXXX Credited me XXXX in the account ending in XXXX and it was gone. There are many other accounts I have had with well fargo. Please review all and see why I was charged all these bank fees. Thank you
Consumer complaint received 2023-06-08
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. (VA)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-12
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. (IL)

I called and Chatted with Experian regarding a score of XXXX. I reported to Experian that my score has been the same and they are not monitoring or updating my credit report score. I even told the rep that XXXX XXXX and XXXX  files and my score stay the same. I had identity theft and fraud on my credit and provided a police report number to Experian and my score remained the same. The rep from Experian assured me that this issue would be resolved, nothing has changed. Please help
Consumer complaint received 2021-07-12
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: Santander Consumer USA Holdings Inc. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: LendKey Technologies, Inc. (OH)

Requested payoff amount on XX/XX/2021, immediately submitted payoff amount of {$2400.00} on the providers website. There is no mention of delay to post payment when requesting payoff amount. Payment post on XX/XX/2021 saying that I still owe {$7.00}. I contacted provider and was told this was interest because payment did not post until XX/XX/2021. This amount would not be the correct interest amount even if that were the case. The company provides a payoff amount for the current day without the ability to post the payment on the same day.
Consumer complaint received 2021-07-12
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: LTD Financial Services, L.P. (TX)

Back in XXXX reached out to company showing up on my 3 credit reports they could not verify any personal info about me such as social or I.D or any Wet Signature Contract with my signature or name I requested several times and still no proof to validate this account belong to me also the credit reporting XXXX, XXXX  or XXXX  could not provide any proof after asking several times to show me proof according to my rights. No Contract with any information or any Contract with my signature showing Validation of the account. 

I have attached the info that was sent to me as you can see my name is no where, there's No Signature, No Contract with my dob, social or any info regarding me. 

XXXX_ 2nd complaint with LTD Financial Services XXXX XXXX XXXX  can not verify or show proof that this account belongs to me. Please Delete.
Consumer complaint received 2021-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.
Consumer complaint received 2017-09-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NC)

I originally filed a complaint with CFPB on or around XX/XX/XXXX about my problems with XXXX  processing my IDR request in a timely manner and providing me with a new payment plan. My qualifying payments under the PSLF program expired in XX/XX/XXXX and since XX/XX/XXXX, I have been placing my monthly payments on forbearance while I wait for my annual renewal to be approved. I have a long history of communication with XXXX about the status of this request. On XX/XX/XXXX, I received my bill for {$5.00} that would enable a new payment amount to be determined. I submitted this payment and XXXX confirmed it was received on XX/XX/XXXX. I spoke with XXXX ( employee ID : XXXX ) on XX/XX/XXXX requesting a status update on when a new payment amount would be determined. She informed me should would expedite the request and I should have a new payment amount determined by this Friday, XX/XX/XXXX. Unfortunately, today on XX/XX/XXXX I received an email telling my that they could not process my IDR request. I called and spoke with XXXX ( employee ID : XXXX ) who informed me it looks like this was made in error and she would forward the request to have someone look at it earlier next week. It has been 6 months since I have submitted my renewal IDR information to XXXX. At the rate with which they are processing this request, and have made other errors in past years in regards to ensuring I am making eligible payments towards PSLF, it will take me 20 years to make 120 eligible payments.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

Please be advised that I mailed via USPS XXXX. Letters to " Request to provide a Method of Verification, '' for items not being reported legally on my credit report to Equifax , XXXX. XXXX XXXX, XXXX, GA XXXX on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16. Equifax only responded on XXXX/XXXX/2016 with my initial request for a copy of my credit report on XXXX/XXXX/16. 
Equifax has failed to respond to within 5 business days of my XXXX requests for the results of their investigation nor has Equifax provided me with any additional updates on my requests for their Method of Verification. 
I was diligent in documenting these events, including the lack of Equifax 's response to produce the requested documentation a mandated by federal law. I can provide the CFPB with the copies of the USPS receipts, my unanswered letters to Equifax. 
I am respectfully requesting CFPB to intervene on my behalf to resolve my disputes. I appreciate CFPB request Equifax provide us with a proper and diligent method of verification of their investigation as required by FCRA of my inaccurate items reported on Equifax 's credit reporting. Thank you for your prompt response to my request.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc. (NM)

Wisely Bank I spell the dispute with wisely bank for transactions that took place on XXXX the XXXX that drained my entire bank account that I did not authorize the same day my car was stolen the first complaint that I have was that the disputes representative sent a replacement card to the wrong address because he asked that I validate my address and I had moved so he wanted me to validate my previous address and then proceeded to send it to the previous address after I repeatedly told him that that is my old address second issue is that he did not advise me to be on the lookout for any kind of documentation that they would need for me to send back to them to move the claim forward I had gotten the paperwork 3 days after I had been delivered but immediately responded back to them via email they have not told me about how the process works except for the fact that the dispute can take anywhere between 40 to 60 days to investigate I've received an email about a transaction that took place that same day that was for a lesser amount I assume to test to see if there were funds available on my card or in my bank account cuz then right after that they proceeded to make several {$50.00} deductions from some printing place New York and then several 20 something dollar deductions from some XXXX XXXX in California these are clearly not my transactions yet they are dragging their feet on returning me my money and then I escalated to a supervisor today and the supervisor who says his name is XXXX says that he can not provide me with his agent ID which for what other reason why he would he have an ID if not to be identified and then when I told him that XXXX our conversation was recorded he then proceeds to hang up on me if this is how wisely conducts themselves as a financial institute the one that actually is that pays me through my employer I might need a secret legal action.
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (ME)

Our mortgage was with XXXX until 2014, when we were informed that our loan had been sold to a different company, Seterus , Inc . This did not surprise me as our mortgage had been sold several times in the past. However, after an original " welcome packet '' from Seterus, we heard nothing from the new mortgage company. I was able to create an account and log in, and even view how much my monthly payment was and make a payment, but nothing more - no statements, bills, or other communications other than a XXXX form every year. Furthermore, they have never reported any of our ( timely ) payments to the credit agencies. ( XXXX always did. ) I did call Seterus repeatedly to request statements, and each time they apologized and send they would send them immediately ; however, they never did.
Consumer complaint received 2015-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (OH)

Our current mortgage is with Seterus out of XXXX XXXX, Mi. About a month ago we applied to XXXX XXXX Bank in XXXX, Ohio to refi at a lower rate and shorter length. A request by the XXXX to Seterus was summited twice and and it has been almost 3 weeks and still no payoff has been sent to the XXXX. I called yesterday to Seterus and was told it would be XXXX to 2 weeks more before they could process the payoff. This is not acceptable