davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX issued me a check for {$30.00} which was owed to me due to a remaining balance on a credit card that I once had. XXXX XXXX also issued a 1099-C in 2020 for the {$30.00} because they had also discharged any debt owed on that card. However XXXX XXXX continues to report his credit card debt incorrectly to Experian which causes negative harm to my overall credit score. Source : XXXX : XXXX can not XXXX? XXXX Per the following article in XXXX XXXX  Can not Issue 1099-C And Subsequently Try To Collect. The issuance of the 1099C establishes that a debt is no longer owed. When a consumer no longer owed a debt to a creditor the creditor can not reports to any credit bureau that a default exists and that same consumer is still obligated to pay it. 

Courts have ruled in similar cases in favor of plaintiffs who sued a bank that issued a 1099-per IRS guidelines yet still sought to collect. XXXX XXXX has settled litigation in a class action over this practice of issuing 1099C, asserting it is a tax matter, yet still subjecting the consumer to collections : https : XXXX
Consumer complaint received 2021-03-23
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. (NC)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been 30 days and I havent received a response. I feel like Im am being taken advantage of and being ignored. Section 611 ( a ) it states that a failure to investigate those items within 30 days is a automatic deletion from my credit report it has been 51 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Also my information was impacted by the equifax data breach and may have got into the hands of the wrong individual.
Consumer complaint received 2021-03-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

I graduated with my XXXX. I have been paying XXXX every month since then. I have been employed with the XXXX since XXXX and continued to pay on my loan even though I knew of the Student Loan Forgiveness Program. My logic was- its my debt and Ill pay it until I am no longer able. Which in my mind was when my finances decrease, meaning when I retire. Now that I have 30 years with the XXXX, retirement is my next step. So I completed the paperwork in XXXX for the Forgiveness Program. The first response I received was that I did not qualify. 
I went back and did some research and applied again in XXXX and received the response that I was not employed with an eligible organization. 
So, I dug a little deeper and called to speak with someone at the organization that holds the loan, Navient. I was told that I did not have the type of loans that were eligible for the Forgiveness Program. This is where the problem begins. 
XXXX had the loan when I graduated and I made sure that I consolidated my loans to the type that were eligible for the Program since I was already employed by XXXX. Next, the loan was sold to Sally Mae and they were still consolidated to be eligible for the Program. From Sally Mae they were sold to Navient and suddenly they are not eligible for the Program. I was told by Navient that I could consolidate them now but the 120 required payments, or 10 years worth of payments would have to start over. I am getting ready to retire and will not be able to afford another 10 years of payments when I have already made XXXX payments! The absurdity is that I owe {$84000.00} and the loan was for {$82000.00}! I have paid off a home and two vehicles since I got the loan and after paying on it for 16 years ... I now owe more than the initial loan in XXXX. I have paid more than the required 120 payments necessary to qualify for the Forgiveness Program and feel that Navient is trying to get more money from me because I have been paying consistently. I need your help because even the current pandemic inspired relief on student loan payments does not apply to loans that are not held by the Department of Education and I am still making monthly payments as of today. I am requesting your assistance to check into this situation and see if my loan can be forgiven since Ive already met the 120 payments required of the Forgiveness Program.
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (TN)

I received a letter from XXXX XXXX XXXX on XX/XX/2021 that said I owed a XXXX debt of {$3300.00}. I have never had a balance with XXXX or have owed them money. My credit report does not show this debt. The account number on the letter is XXXX. I do not owe this debt.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

XX/XX/2021, XXXX PM Called SPS, rep stated that client was denied for modification due to insufficient payment reduction. Only options at this time are short sale, reinstatement, and deed in lieu. The denial has been faxed over to us and we should receive it in about XXXX hours. 
XX/XX/2021, XXXX PM Called SPS, they should have a decision on the file by XX/XX/XXXX, or before, the rep advised me that they should have a decision within XXXX weeks of submission XX/XX/2021, XXXX PM Called SPS for an update, rep said that all docs were recieved as of the XXXX and it still pending decision, she mentioned we should follow up in a week to see if there is a decision made. I have asked several times for help from my mortgage company I have submitted many applications like I was told to by every person from my mortgage company I have asked for a loan modification each time they tell me that they never got my paperwork I sent so many applications requested so many call backs from a manager who could give me answers, but all I do is get lied to by my mortgage company.
Consumer complaint received 2021-03-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (OH)

I am struggling to make payments on my vehicle since loosing my job because of the pandemic. Ive been reaching out to the company, Ally. They arent willing to continue helping. They expressed if I make 2 consecutive payments I would qualify. Ive exhausted borrowing money ( that is impossible to repay ) from family. Its depressing and embarrassing to be in this position. Many ways people are being helped during this time, owning and repaying vehicle isnt one thats has been addressed for help.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX / XXXX XXXX is misreporting a balance on a settled charge-off account. 

They apparently have also either sold the account or have hired an outside collection agency to collect on their behalf a balance which should have been forgiven per the settlement agreement. 

On XX/XX/XXXX, I sent XXXX a letter requesting a settlement along with a check. They cashed the settlement check, and payment was posted from my account on XX/XX/XXXX. On or about XX/XX/XXXX I received a response letter from XXXX stating that they were unable to identify my account, and were requesting information so they could apply the payment correctly. On XX/XX/XXXX I faxed over all of the requested information to them. 

After nearly a month with no response, I attempted to call them several times and could never get in touch with someone to discuss the situation. I left several messages and got no response. On XX/XX/XXXX I sent via certified mail the entirety of the information they requested that I had faxed on XX/XX/XXXX. I have yet to hear a response. 

On XX/XX/XXXX I received a letter from XXXX, a collection agency, stating that the account had been listed with them for recovery. The balance stated on the collection was not the original charge-off balance, but rather the original balance minus the settlement amount that was agreed upon. 

XXXX has not held up their end of the settlement agreement, and is attempting to collect on a balance that was forgiven per settlement agreement.
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (MN)

On XX/XX/2021, I attempted an ACH transfer of {$4200.00} from my bank account to my Coinbase Pro online wallet. The money was taken out of my bank account, but it is still in a Pending Deposit status and was never deposited into my Coinbase Pro online wallet. I have had many other smaller ACH transfers deposited into my online wallet just fine, but this one has been over 5 weeks now and I still do not know where my money is!

After waiting a few days, I did open up a ticket with Coinbase Support, but still do not have a resolution and am still out this {$4200.00}! I did get a response from Coinbase Support a few weeks ago, but it appeared to be an automatic/ robotic reply and not an individualized or from a person, and plus the answer was something about me needing to owe or deposit even more more money to resolve the problem. What?!?!?!

I can provide my Coinbase Support case # if requested. Notably, I can actually see the deposit in my online wallet account under USD in a Pending Deposit status, but can not access or use the money and I am contemplating legal action. I am attaching a screenshot of my online wallet ( does not contain any identifying information ) that shows this one still in a Pending status. 
Please help as I am getting very frustrated! I also have the ACH transaction number from my bank and can provide that if needed. 
Thank you.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo has reportedly car note late. It was not late and now my score has dropped almost XXXX XXXX points. Additionally, I would like the call pulled in which I made the payment and I was told because I was paying with my debit card.
Consumer complaint received 2021-03-22
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. (IL)

I recently challenged the Accounts thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 
I have attached my ID to this letter.
Consumer complaint received 2018-11-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: 1ST ALLIANCE LENDING, LLC (IL)

I was laid off from my job in XX/XX/2018. I made a lump sum mortgage payment so that my next payment was due in XXXX. I had also had automatic bill pay thru my bank for my mortgage. Aside from the lump sum, the mortgage company received an extra {$500.00} in XX/XX/XXXX. Just came I still could not find a XXXX and received a notice that my payment was going up because of negative escrow. I contacted 1st alliance to see if they could that {$500.00} payment and apply it to the negative escrow. I also applied for an unployment forbearance which I was denied for because I was not 60 days late on my mortgage. 60 days is when they are able to start foreclosure proceedings. I have paind not only my mortgage on time every month, but extra as well. Since XX/XX/XXXX ( if not before ). I have been told that the supervisor is looking into where my extra {$500.00} payment went. I have called multiples times per week for the past several months and no one knows how much my payment should be. I have also been told NOT to make a payment because they were unsure of the amount. I was requested to send bank statements to show the payments, and consistently am getting emails saying the payment I set up was returned ... ..I never set up any payment because I was advised not to. They have messed up my credit, chose not to work with me and now I have no idea when or how much to pay. This has become more than a hassle. They are basically refusing to work with me and now I am in fear of losing my home.
Consumer complaint received 2024-03-18
Product: Credit reporting 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 went to XXXX XXXX to possibly buy a vehicle, during initial greet everything went well until it came time to talk about numbers and financing the vehicle. Multiple times during their request for my information they assured me and guaranteed it would not pull a hard inquiry and it did, when confronting them on the subject they said my bad, we miscommunicated mind you I had not signed any paperwork up to this point. When it came time to actually run my credit there were only allotted to run it five total times and they ran it six. They continuously lied about the figures being presented to me, today I got a report that my credit received another hard inquiry from the dealer. When I called to confront them about this matter as I didnt buy a vehicle there and left with no purchase the finance manager was very irate and unprofessional about the matter and unfortunately not very empathetic towards the safety of my credit. He stated multiple time that it wasnt him or Im not going to talk to you if you are not going to listen to what I am saying this was extremely rude and unprofessional. They over inquired on my credit without permission and they pulled a hard inquiry with no signature or permission for that one, all they had to say was it was a miscommunication.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021 I deposited {$1900.00} cash into the atm XXXX at XXXX pm ... The atm screen showed there is a problem with the atm and the transaction can not be counted and the money can not be returned. It then showed a screen to manually enter the amount of deposit. I entered {$1900.00} and hit print receipt. The receipt only showed {$300.00}. {$1600.00} is missing. I immediately went to the Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, who started a claim # XXXX with the atm vendor by telephone at the XXXX with XXXX XXXX XXXX at the telephone # shown on receipt that states we created an issue record that will be attached to your transaction. It has been 13 days and they have not resolved this claim. The atm should have been counted the next day and receipts checked. This issue should have been resolved immediately. As of today I have a temporary credit of {$1600.00} in my account which I am worried will be removed at any time because they will state the atm was not over {$1600.00} in cash on that day.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (VA)

I closed my Citi XXXX checking account some time in XXXX XXXX, and received an email confirmation on XX/XX/XXXX. I had been trying to close the account all week, but there was no option to do so online, and I had spent hours on hold during several occasions trying to reach a representative to do so. When I finally spoke with an agent to request the account closure, I was concerned I'd get hit for the {$100.00} fee for having a balance below the minimum. When I explained that to the agent, she assured me that the fee would be waived if it did hit the account because she understood my intent had been to close the account prior to having the fee assessed. 

I then began receiving overdraft messages stating that I owed the {$100.00}. I tried calling several times and finally reached an agent today ( XX/XX/XXXX at XXXX ). She explained there was an error in the way they closed my account that caused the fee to hit my account. She suggested she would fix it by mailing me a check for the {$100.00} so I could come to a branch and pay off the overdraft. I explained it was ridiculous to send me a check for money that doesn't belong to me just so I can go to a branch and pay it back. She saw my point and agreed to get a XXXX on the phone. I waited on hold for 45 minutes to speak with a XXXX, who then explained that my account had not been closed when I called because the call ended without their reading me disclosures. I don't remember the call ending abruptly, and do believe they read disclosures. The XXXX went on to explain the 1st fee did get waived, but the fee that caused the overdraft was for the following month because my account had not been closed. Again, she provided a solution of sending me a check that I could bring to a branch and payoff my overdraft. After once again explaining how ridiculous of a solution that was and that I planned to submit a complaint to the CFPB, she finally offered to send an email to backoffice to reverse the fee instead. 

I don't believe she will actually do it, so I am submitting this complaint to insure my credit bureau score is not impacted negatively by this. I also don't believe that my account had not been closed after my request because they didn't read disclosures. If that had been true, the account would not have gotten closed the following month either. Seems obvious that someone discovered that the account had not been properly closed when it should have been and fixed that, but forgot to also fix the fact that fees were hitting a " what should have been closed account. ". This is a ridiculous amount of incompetence for a major bank.
Consumer complaint received 2021-03-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

This fraudulent debt was first sold to a company called XXXX XXXX. On XX/XX/2018 I was notified about this debt I asked for the company to validate the debt because I have done no business transactions with this company or the company they said I had a loan with and they erased the debt off of my credit report. Months later I received calls from National Credit Adjusters XXXX XXXX XXXX XXXX, XXXX, KS XXXX about this same debt. Due to the excessive calls and the inability to prove that this debt belonged to me National Credit Adjusters also seized phone calls. I now receive harassing emails from XXXX financial services XXXX XXXX XXXX XXXX, IL XXXX about every 4 days which they say they were outsourced by National Credit Adjusters to collect on their debts. National credit adjusters is utilizing many tactics to collect on a debt that they cant prove the validity of by submitting an original contract with my signature on it, documents showing the amount that was owed and the terms to which I agreed to pay. I have never done business with National credit adjusters or XXXX financial services. I have explained to every creditor that has touched this fraudulent account that this is not my account and instead of doing their due diligence they keep attempting to collect on the old inaccurate debt and ruining my life by reporting incorrect information to the bureaus. I have been denied school funding, job offers and mortgage loans due to this debt.
Consumer complaint received 2021-03-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

In XX/XX/2020 around XXXX, I lost my home due to a house fire, and have been displaced from my home ever since. I finally received a check addressed to both my mortgage company and I, and I sent the check in the amount of {$310000.00} to my mortgage company, XXXX XXXX XXXX located in XXXX XXXX XXXX, Utah on XXXX by certified mail. This check was to be used to pay off the remaining balance of my mortgage from the home that burned down, and the mortgage company was supposed to send the rest of the funds back to me ( after paying off mortgage ) to go towards rebuilding my new home. 

After mailing the check, I contacted the company several times to make sure they had received the check, only to find out they could not locate the check, so I had to request a duplicate check from my insurance company. After receiving the duplicate check from my insurance company, I once again mailed the check in the amount of {$310000.00} to the mortgage company using a preaddressed XXXX enveloped addressed to XXXX XXXX XXXX, the claims department, and received confirmation the check was received on XXXX. 

I was told by the mortgage company they had to investigate and verify that the funds were good and that process was completed on XXXX. Funds were verified and remained in a secure escrow account. I was also told that it would take about 3-5 days to payoff the mortgage and to call back on XXXX to verify the mortgage was paid off. When I contacted the company on XXXX, I was then told they did not have a date when the mortgage would be paid off. Meanwhile, I am still displaced and being forced to pay for a mortgage out of pocket that should be paid off since XXXX, as well rebuilding my home out of pocket. Because the mortgage company lost the first check irresponsibly in XXXX, it has extended the process longer and has made it very difficult financially as I am trying to rebuild my new home.
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NV)

XX/XX/2021 Midland Credit Management says I owe them false debt. That keeps being mailed to me. Also I'm having harrassing phone calls. I do not owe this debt because I never did business with this company. The debt is {$9000.00}