davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (RI)

Equifax did not respond to a dispute I sent them on XX/XX/2020. 
I disputed this account under the name of XXXX XXXX XXXX. They do not list an account number on the credit report for me to provide it to them or you. 

Today XX/XX/2020, I was able to obtain my Equifax report online and I see that they did not bother to investigate the account I disputed above. I know this because there are no remarks under that account on the new report to indicate that they investigated it. The account is not reported as disputed.
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDWEST EQUITY MORTGAGE, LLC (CA)

I started a cash out refinance wi th Midwest Equity Mo rtgage  LLC on    XXXX   at 3.75 % for a 30 day lock for {$420000.00}. I provided all requested documents within 1 day. The file was opened in the encompass loan center on   XXXX  . There were several delays during the process due to them. I have emails where they are stating that it was no delays on my part but theirs. The loan  officer  was out for 3 days. Also, I was told that it only takes a max o f 72hrs  to be reviewed by the underwriter, but it took over a week. Now today, my loan officer contacts me and says that they need a little more supporting documents to show assets  (  which I already submitted  my 401k statements and 401k  disclosure on  XXXX  to the encompass loan center portal ), and that my loan will not close within the 30 day lock period and the lender is not willing to extend my lock, thus they need to go to the open market where the current rate is 4 % ( which also does n't make sense, because the rates have only gotten better since the date I initially locked the rate ). I feel that because I had locked a great rate, they are trying to not honor what was promised, and switch the rate higher at the very last minute to make more money. Essentially pulling a bait and switch at the very last minute. I feel that they should honor the original rate, since they are the reason it was delayed. Not to mention it is only the   XXXX   and there should be enough time to close by the   XXXX   ( which they are saying that we cant close in time ). Also, they are saying that the lender is not willing to extend the rate, which makes no sense either. I definitely think they are being dishonest to make more money out of this refinance.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have a fraud alert placed on my credit file, that indicates anyone who runs my credit needs to call me and verify and that was not done that violates my right as a consumer I have reached out to the credit bureaus about this matter on more than one occasion to advise about my credit being pulled without my permission and nothing has been done.
Consumer complaint received 2018-01-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (CA)

I was in need of car good running car .I went XXXX XXXX to buy a car it was a XXXX XXXX it had very low mileage. I drove the car about a month. the engine light .i contact the dealership .they told me to bring it to be checked was.I did was told the cowl was out and it would be replaced. I pick the car up from the dealership .drove it for a day the engine came on again this time I called Santander to inform them of what was going on with the car.I still made my payments on time of {$440.00} per mo .Even those the was sitting in my parking stall.this went on about two.expain to Santander.I can no longer make payments on a car that is not running. and pay for a rental car.I needed to retune the .so i parked it on the street.I they never told me they picking up the car .I recived papers in the mail the car had been repo .then the call stared every win am going to the balance .i ow {$12000.00} this repo I can not get another car loan because of this on my credit.
Consumer complaint received 2017-06-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America  Charged OFF  my credit card account on  XXXX   XXXX ,  XXXX  after I had negotiated a settlement. Bank of america Continues to Report the account delinquent on my credit repo rts 7 +  Years after I settled this account for less than full balance.Bank of America Refuses to discuss this account and referred me to  XXXX   XXXX . After Contacting  XXXX   XXXX  I was advised that they had referred this account to an attorney in  XXXX   XXXX   (  6 years and 11 months after the initial charge off ). The Attorney returned the account to  XXXX   XXXX  and  XXXX   XXXX  has No knowledge of the status but they will reassign the account to someone else in the n ext 5  to 10 days. Bank of America Continues to provide the Credit Bureaus with Incorrect information 7 Years after the account had been charged off. The latest Incorrect report was  XXXX   XXXX  We attempted to resolve this account years ago but B of A was Not interested.     The Original dispute Involved B of A Raising the % rate to 18 % from the original 6 % rate and advising me that if I did not like the rate, I could pay off the account and go away
Consumer complaint received 2017-06-19
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. (TX)

I have several inquiries that I know nothing about. There are multiples by the same companies. I had a freeze on my credit so I not understand how there are still these inquiries. I have called several times and sent letters to the credit bureaus with no action. I most recently just called last week and they asked me to send letter again which I have already done and still they are not being removed. I also have  XXXX  hospital bills that are not tied to me that they have not removed even with evidence sent. I have student loans that have been consolidated and payment is not due and they will not remove how they are negatively reporting even though they are not negative.
Consumer complaint received 2017-06-19
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. (AZ)

XXXX XXXX XXXX Charged OFF my credit card account on XX/XX/XXXX after I had negotiated a settlement. XXXX XXXX XXXX Continues to Report the account delinquent on my credit reports 7 + Years after I settled this account for less than full balance.XXXX XXXX XXXX Refuses to discuss this account and referred me to XXXX XXXX. After Contacting XXXX XXXX I was advised that they had referred this account to an attorney in XX/XX/XXXX ( 6 years and 11 months after the initial charge off ). The Attorney returned the account to XXXX XXXX and XXXX XXXX has No knowledge of the status but they will reassign the account to someone else in the next 5 to 10 days. XXXX XXXX XXXX Continues to provide the Credit Bureaus with Incorrect information 7 Years after the account had been charged off. The latest Incorrect report was XX/XX/XXXX/ We attempted to resolve this account years ago but XXXX XXXX XXXX  was Not interested. The Original dispute Involved XXXX XXXX XXXX Raising the % rate to 18 % from the original 6 % rate and advising me that if I did not like the rate, I could pay off the account and go away
Consumer complaint received 2017-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OH)

Transworld Systems continues to call my home multiple time a day in search of people I do not know. I was given my home phone number by the phone company when I moved to this city, and I have no knowledge of the p eople who previously had this number.
Consumer complaint received 2017-06-15
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: EQUIFAX, INC. (ME)

XX/XX/XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX.  XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I contacted all creditors with my Medical Insurance information, for them to correct their billing and reporting error, also reported thus information to XXXX XXXX XXXX, all said it would be corrected and removed, due to billings clerical errors in not billing my insurance, for I 've never been without medical insurance. This is still on and hurting my credit so I can not improve my score.
Consumer complaint received 2017-06-19
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MA)

My husband is out on and unexpected, emergency,  XXXX   XXXX  and I explained this to the customer service rep. I paid the past due today so I would not go over the 30 days late on our credit. She said it would definitely be reported to the credit bureau. Can we please have help removing this since this was only th e 30th day?  We can afford to have our score go down and we have never gone over the 30 days late. I wish I had called over the weekend with the payment ( which I could have ) but I figured it was a weekend and it was n't open so I waited until today, which is Monday.
Consumer complaint received 2015-03-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

In XXXX I called TD Banks customer service, and asked them to close my account. In the XXXX of XXXX, I went back to TD Bank. To reopen my account, to my surprise the account was never closed.And on top of that, they told me that I owed the bank {$61.00} and some cents. I was told that I could not have the account closed over the phone. But the customer service representative that I spoke to over the phone, did not tell me that. On Friday XXXX XXXX XXXX. I went into a TD Bank on XXXX XXXX, in XXXX. And i was still not helped.
Consumer complaint received 2017-06-16
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: Experian Information Solutions Inc. (FL)

I 'm filling a complaint against  XXXX  credit bureau Experian,  XXXX , and  XXXX . I checked my credit at  XXXX   XXXX  which send me an alert that my  credit score has changed. I checked my credit score on   XXXX   XXXX . My  credit score  had fallen very low from going  XXXX  to  XXXX   ( Experian ),   XXXX  to  XXXX   (   XXXX   )  " I was Mad ''. They are going old information that been removed. One I do n't have a Bankruptcy. Second I do n't have  a Tax Lien. I w ant all information remove " NOW ''. The information is attach to this complaint. I pay my bills on time and I do n't need false information against me or my family.     The Fair Credit Ac t ( 1970 ) 15 U.S.C -1681 The Truth in Lending Act The Fair Credit Billing Act 15 U.S.C -1681 State Status of Limitations The Fair & Accurate Credit Transactions Act The Fair Credit Debit Collection Act U.S.C 1692 - 16920
Consumer complaint received 2017-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

It was time to recertify my pay as you earn student loan repayment plan. I spoke to  XXXX  and submitted my documents. The amount they came back with was way too high. So they instructed me to go on student loan.gov to do a direct consolidation in order to get on a plan that would lower my payment. This info was given aft er 5 or 6 call s to  XXXX  with conflicting info about my payment. There were several payment amounts given with a huge range.  XXXX  to  XXXX . Finally, I was sent to do a direct consolidation. I did that application online and was given a list of servicers to choose from. We CHOSE navient and called them to make sure they recieved our application. They said they never recieved it but they could take it over the phone. So, we did that. They have is a payment plan for my student loans. They said my payments would be  XXXX  a month for 4 months then  XXXX  after that. They told me I had to do an ach payment for the f irst 4  payments then I could pay as i go after that. Well a payment was taken before I could even send my income tax return. So I call navient to find out where i could fax that info. When I called navient back they said they never recieved a payment and the representative told me I was scammed. The company I have money to said they  were Navient and it even shows on my bank account NAVIENT  withdrew  XXXX  from my account. It was n't someone telling us they were giving me a service. They said they are navient and they were collecting my student loan payment. This is the number they left us.  XXXX .
Consumer complaint received 2017-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (IL)

On  XXXX / XXXX / 17 , I went to my normal ATM to make a fast cash withdrawal.   I was asked if I wanted to check my balance. I had never seen this before. I clicked yes because I did not think I could proceed to make my transaction unless I did.   Then when it was time to make the withdrawal, I was informed I had a  XXXX  dollar withdrawal fee because a different ba nk ( Citi ) now contr olled the ATM, not my bank (   XXXX   ).   I immediately cancelled the transaction. However I was charged  XXXX  to check my balance. I was never informed there was a fee to do this. I feel I was led to check the balance to complete the transaction, though I did not care if I checked my balance or not.   This was highly deceptive and I am upset about it this fee. I do n't know who to contact becaus e Citi is not my bank. While it is n't a lot of money, it is the deception and knowing they are doing it to lots of people. I came home and my husband had the exact same thing happen the day before. He cancelled the withdrawal as well. Please do something so people ( Tens of thousands I am sure ) know this is happening every day.
Consumer complaint received 2020-10-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (GA)

I received a debt collection letter from XXXX XXXX XXXX on behalf of Velocity Investments in XXXX. In XXXX, I called XXXX XXXX XXXX to ask for validation of debt. They continued asking me if I was going to make a payment or setup a payment plan. I told them I have no money. The Rep told me they were going to relay this info to Velocity and when my situation improves, I can call to set up payments. In XXXX, I get served with papers saying XXXX XXXX XXXX / Velocity Investments is suing me for the debt that was discussed over the phone in XXXX. No other notice was sent to me about this debt and there were no indications that they were going to sue.
Consumer complaint received 2017-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (GA)

send {$1000.00} to daughter through western union to be available on  XXXX   XXXX .On  XXXX   XXXX  get notice from western union money on hold. Aft er 1 hour  on telephone western union will refund money back to my bank minus $  XXXX  They  did absolutely nothing but cause problem and charge me {$10.00} .I think they scammed me.
Consumer complaint received 2020-11-17
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. (NV)

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX  did their jobs in no time. Equifax on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Equifax continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Equifax is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Consumer complaint received 2017-06-19
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. (FL)

I traded in my lease for a  XXXX   XXXX  at  XXXX   XXXX  in  XXXX   XXXX . I only had 2 months left on the loan.  XXXX   XXXX  was to pay off the vehicle and sent the info to  XXXX   XXXX . In  XXXX / XXXX / XXXX  I declared Chapter  XXXX  Bankruptcy. The vehicle was included because the paperwork to close out the lease had been lost, therefore, my attorney told us to include the car which was a lease. I have been disputing this since the discharge of my bankruptcy in  XXXX  and  XXXX   XXXX  continues to report erroneously the status of the account on all  XXXX  Credit Bureaus. They have passed the 45 day time frame & at this point I want the item removed since they refuse to correct. They are showing the last day of status as  XXXX  which in violation of Chapter  XXXX  which should not show any negative items on the credit report past the date of filing  XXXX . Furthermore the vehicle was paid every month and traded in on time.  XXXX   XXXX  is intentionally attempting to damage my creditworthiness.
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (CA)

Arvest is the present mortgage company prior that was XXXX. When began forbearance XXXX in XXXX promised to waive accumlated ate charges if I got caught up with payments which I did.. But then they regnigted and suddenly sold the loan around XXXX giving me a two dsy notice. Similarly having same problems with new mortgage company. The noted late charges accumulated {$1800.00} XXXX promise to forgive / wave back in XXXX in keeping with forebearance if I get caught up in monthly payments which I did. Both XXXX and now Arvest leave been giving me the run around ever since.
Consumer complaint received 2017-06-15
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: Auto Trakk, LLC (SC)

I have  sent Autotrak several certified letters concerning the false, bogus info they are sending to the 3 credit bureaus. They 're re-aging this account to keep this negative info on my credit file longer which is hurting me mentally, physically and financially. Autotrak h as violated laws under FCRP/FDCPA. If this account is not remove ASAP I will sue them for defamation and financial injury  (   XXXX  vs.  XXXX   XXXX  ) which carries a fine of $  XXXX /per violation.   I never received any type of paperwork  from Autotrak.  I spoke to  XXXX   ( Customer Service ) ext .  XXXX  on  XXXX / XXXX /  XXXX    XXXX    XXXX   he told me the address they had on file was a  XXXX   XXXX , Georgia address and on  XXXX / XXXX /  XXXX    XXXX  I spoke to a  XXXX  ( Customer Service  ) to ld me the same the same thing. I have NEVER lived in Georgia!!! I updated my address with  XXXX .    XXXX  told me the balance was {$12000.00} and the date the contract was sign was  XXXX . After speaking with  XXXX  she told me the balance was {$5900.00} and contract was sign ed  XXXX .She al so told me my last payment was  XXXX .  Autotrak is reporting false info which against the law. This is the reason they not replying to my certified letters!!!
Consumer complaint received 2017-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Usaa will not verify me for my account that I have been locked out of and now, after reading consumer report s and seeing this is a company scheme, I want the account closed. The company, usaa, refuses to respond to multiple telephonic and e- mail requests to do this when it was apparent that there never will be verification and my info is being, sold, used, and manipulated for financial gain. Shut it down!!!