davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-10
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: National Credit Adjusters, LLC (TX)

I have a loan with XXXX XXXX, NATIONAL CREDIT ADJUST, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, NATIONAL CREDIT ADJUST,   and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-10
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: WELLS FARGO & COMPANY (TX)

I have a loan with WELLS FARGO BANK, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, WELLS FARGO BANK, XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-10
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: Hillcrest Davidson & Associates (TX)

I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and HILLCREST DAVIDSON & A ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and HILLCREST DAVIDSON & A ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: GreenSky, LLC (NC)

Back in XXXX I went to XXXX XXXX to get XXXX XXXX XXXX   treatment. XXXX XXXX is partnering with Greensky offered me a loan of {$930.00}, stating that treatment will remove all visible XXXX XXXX on my XXXX. They charged the payment card BEFORE providing any treatments. After 3 session of treatments I did not see any results and made complaint to Greensky XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, GA XXXX and XXXX XXXX, raising my concerns. None of them were willing to cooperate. 
I went to another provider, who actually was able to provide a treatment that worked, and as the result incurred additional expenses. 
Greensky stated in writing the following : If you are dissatisfied with the goods or services that you have purchased with your payment card, and you have tried in good faith to correct the problem with the merchandise, you may have right not to pay the remaining amount due on the purchase. 
I have contacted Greensky back in XXXX and XXXX, stating that indeed I am not satisfied with the purchase and I tried in good faith to resolve this with the provider, I want my money to be refunded. Greensky is not fulfilling their contractual obligations and loan agreement. Please see attached complaint to XXXX
Consumer complaint received 2020-08-10
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: Experian Information Solutions Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (OH)

I entered a financial loan for an automobile with XXXX XXXX, for appx. XXXX. Since XXXX I have paid ahead on the loan. Ex : XXXX : I made 3 payments instead of 1. In XXXX I made a payment, in XXXX I made 2 payments. I have my billing statement for XXXX and it shows my payments are going to interest, even though I'm continually 1 to 2 months ahead on all my payments since XXXX. Why are they stealing my money? I'm widowed with XXXX children and am trying to pay the loan off early, however : due to my payments being applied to intrest only ; I will have paid XXXX of the loan back by XXXX. However : only 15 % of that has been applied to my principal balance.
Consumer complaint received 2020-08-10
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: EQUIFAX, INC. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has well over 30 days since submitting all the proper documentation and the bureaus have given me no reprieve in the battle to reclaim my life.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (NM)

I applied for a XXXXXXXX XXXX  credit card through XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX I received a letter dated XX/XX/ denying credit listing the reason : " Credit bureau reports applicant is deceased. '' The reporting credit agency Sagestream/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX First, I AM NOT DEAD! 

I tried emailing XXXXXXXX XXXX through their website and was unable to reach them. I found a phone number online, but they were not able to help. 
I called the Sagestream phone number. It is an automated system and after entering all my personal information ; the system notified me it could not verify my identity and hung up. 
I am not dead and do not want to start a problem that could cascade into my losing everything. I need to correct the mistake.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX has reported inaccurate information on my Experian credit report. 

Experian is in violation of FCRA rules section 1681 *Inaccurate, information includes, inaccurate date of last activity, misleading payment history, *Inaccurate or misleading outstanding balance *Wrong address and name of which credit was applied to, all violation of FCRA rules
Consumer complaint received 2020-06-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, CO XXXX XXXX : Qualified Written Request Pursuant to the Real Estate Settlement Procedures Act for Account Number xxxxxx To Whom It May Concern : I received notice that I have been approved for an assistance plan based on the COVID-19 pandemic. The plan states that I will be able to make partial payments during the forbearance period which runs from XX/XX/2020 through XX/XX/2020. However, I have made two payments and the payments have been returned. I am writing to request that my account allow partial payments during this time.

I have been provided with an amount that will be due in a lump sum once the forbearance period ends. However, I feel that it is in my best interest to make partial payments if I can. In the past two months I have made two payments toward my balance. Yet the payments have been returned. 

XX/XX/2020 XXXX Transaction - SLS ONLINE PMT XXXX  Debit - {$440.00} XX/XX/2020 XXXX Transaction - SLS ONLINE PMT XXXX Debit - {$440.00} XX/XX/2020 XXXX Transaction - SPECIALIZED LOANPMT REFUND XXXX  Credit {$440.00} XX/XX/2020 XXXX Transaction - SPECIALIZED LOANPMT REFUND XXXX   Credit {$440.00} Please write to me within 15 days to explain why my account will not accept partial payments at this time and if it will be possible to allow partial payments so that I can begin to pay down my balance so that I do not experience a balloon payment at the end of the term. 
Thank you so much for your attention to this matter. If you need to reach me, my number is xxxxxxxxx Sincerely,
Consumer complaint received 2020-08-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (TN)

On XX/XX/XXXX I traded trucks at XXXX XXXX in XXXX TN. On that date they called Ally Auto to get a payoff and were quoted {$21000.00} that was good for 10 days. On XX/XX/XXXX they received that amount plus on XX/XX/XXXX another {$500.00} from an automatic payment that was not turned off. They are telling us we now still owe {$280.00} and that they told the dealership they quoted {$21000.00}. I believe the dealership over this company. Upon reading reviews I am terribly sorry that we ever did business with them.
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Over the past 14 years we have had several issues with the servicing of our loan with BofA. Most of these issues resulted from system issues on their end. We were scheduled to close on the sale of this home on XX/XX/XXXX and because of a system issue with BofA they were not able to provide us a payoff statement. We unfortunately had to delay our closing!!! As I type I have been waiting on hold for over 50 minutes. Ive been trying and so has the title company in order to get this payoff information. They made provisions for people to make their payments but no provisions for people that are selling their homes. Its XX/XX/XXXX and Im still trying to get someone to help with the payoff. Ive been transferred, put on hold and still no success. I am in danger of losing the buyer because BofA is failing to provide basic servicing. Its also costing me interest each day that the house does not close. We have everything except for the payoff. This is not only frustrating its very stressful. This is the second issue Ive had this year with system issues. I now have a 30 day late, the ONLY 30 day In our file from a system issue back in XXXX or XXXX. they basically blamed me for the issue. I explained to them that went to make my payment like I usually do but the system wouldnt allow it. I also explained to them that my husband was very ill at the time and unfortunately I didnt have the time to call and sit on hold for days or hours like Im doing now. Im sure we will be blamed for having to delay closing. They will figure out a way like they always do to blame the consumer. Im just ready to sell this home so that we can get out of this loan! Its not right. Im in danger of potentially losing a buyer because I cant get whats needed from Bank of America to close. Im past stressed and frustrated at this point.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-10
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: Experian Information Solutions Inc. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has well over 30 days since submitting all the proper documentation and the bureaus have given me no reprieve in the battle to reclaim my life.
Consumer complaint received 2020-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I applied for a XXXX XXXX loan directly with XXXX and was approved for Economic Injury Disaster Loan ( EIDL ). XXXX funded my bank account, Pentagon Federal Credit Union on XX/XX/2020. Since then PenFed is holding my funds and have blocked my account due to having XXXX loan deposited into personal account. However XXXX had no problem depositing those funds into my personal account since it is a disaster loan. I have called and emailed PenFed several times explaining that my XXXX XXXX was impacted by Covid 19 and the funds needed to help my XXXX  to survive, I was asked to upload my XXXX  documents as well as proof of identity. I have provided Penfed with every single document theyve asked for. However the funds are still not available to me.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

XXXX, XXXX and XX/XX/2022 I have not received my credit score from Experian. They received all my reporting balances from the credit cards company but for some reasons Experian is not updating my score. XXXX and XXXX has been updating each month.
Consumer complaint received 2020-06-17
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. (NY)

Car loan was taken out in XXXX the car was a lemon and the loan repoed in XXXX and i have paid the reaming balance off but they will not update my credit report
Consumer complaint received 2020-08-10
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: Experian Information Solutions Inc. (OH)

I checked my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2020-06-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXXrail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX v. XXXX XXXX XXXX, 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see XXXX v. XXXX, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2023-06-27
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (AZ)

175 Days for an assumption to take place for the sale of my home. ( 4 extensions ) Beginning date : XX/XX/2023 Told to extend to : XXXX XX/XX/2023 Buyer assuming {$210000.00} at 2.25 % Coincidentally, amidst these protracted delays, I have been subjected to an aggressive marketing campaign from Freedom Mortgage, urging me to cash out my current loan and offering assistance to sell my property.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

I am a XXXX-year-old XXXX vet on a fixed income with serious XXXX XXXX, I also suffer from XXXX  and XXXX ( XXXX ). I went to XXXX in Late XXXX of 2019, I explained my condition to the clerk. 

The clerk was aware of my condition, was told that under no circumstances could my phone be disconnected it was part of my lifeline, she suggested that the account be placed on auto-pay which is the best means to ensure my account would be in great standing and no chance of being disconnected for non-payment. 

The following month I returned to the XXXX store and requested a tablet be added to my account, I was told an additional {$38.00} for activation was required, but first, payment was due. At that instant, I did both ; made a payment ( {$58.00} ) and paid for the tablet activation. 

Two days later my payment of {$58.00} was returned, not rejected and for the first time, my service was interrupted. I went, in person, back to the XXXX Store and voiced my concern. No one was able to explain what happened. 

The following month my service was interrupted a second time and my condition magnified a thousand. I was in panic mode. I no longer trusted this company to provide consistent uninterrupted service. I did not miss nor was I late paying them. The account was on auto-pay. 

I call management and got nowhere with them, I informed the representative that I had the right to break the contract due to a breach of trust. I was willing to pay for my devices on the payment plan that was agreed upon, but I could not continue to pay for a phone and data plan. It was not working for me and I was on a fixed income and could not pay for cellular two plans. 

I contracted XXXX XXXX with a similar plan and using auto-pay. I have had no issues. Since this time I have contacted the company several times concerning that issue and my willingness to pay on time for my devices as agreed on, still, I refused to pay for the data and service which they insisted upon. 

The balance was {$780.00} or so for the devices. I recently received notification by mail and phone from a collection company demanding {$1600.00} concerning this account, which I flat out refuse to pay due to my not owning this amount and secondly, after my willingness to pay for my devices on terms of the XXXX contract ; which was on a monthly basis, it was XXXX that failed to provide/render services for which I was paying, so, I was forced to secure what was needed for my peace of mind. 

What I asked from XXXX was reasonable. They were at fought.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose