davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC (AZ)

My car was involved in an accident back in XX/XX/2021. The insurance paid it out and the company claimed I have a balance of {$2200.00} and wanted me to finance another car through them. I refused because of the customer service experience I dealt with the whole time that I had my car. The balance went from {$2200.00}, to {$4900.00}. I reached out to the company to resolve this and now they are saying I owe over {$5000.00}. They are trying to XXXXXXXX XXXX XXXX Owner XXXX XXXX advised he was going to look into this and he hasnt reached back out
Consumer complaint received 2022-11-07
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: Westlake Services, LLC (FL)

As per the Fair Credit Reporting Act, all items older than 7 years and the XXXX for the XXXX years to start rings from the date of the first delinquency. There's a account with no balance just a negative comment on my report.2. WESTLAKE FINANCIAL SERVICES XXXX This account is obsolete- please delete
Consumer complaint received 2020-09-29
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: Hirshberg Acceptance Corporation (MI)

On XX/XX/XXXX of XXXX, I bought a vehicle that was financed through Modern Financial Services of XXXX. Being a first time car buyer I expected my credit to take a while to show up but was still waiting for it to come. Around XXXX of XXXX, I was still not seeing anything on my credit report from this company, so I called and questioned them. They told me we are currently having troubles with our credit Reporting, it should be there in a couple months. Around comes XX/XX/XXXX, I call again because there is still no credit report from them. Another month and a half goes by, I decide to refinance. So around XX/XX/XXXX, I refinance away from Modern Financial Services, still not seeing a credit report from this company. It has been over a year that I was financed through them, so I expected to see a years worth of credit from them, which one member of the company, XXXX, told me would happen. He told me every time I called, we will be reporting fairly, you will see a years worth of credit on your report as soon as its approved. Then when I viewed my credit today, XX/XX/XXXX it was finally there, but I was only given one months worth of credit and was told that was all I will be receiving, which is unfair and in many different ways, and I was lied to, and I have read that this is not the first time this has happened.
Consumer complaint received 2020-09-29
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: U.S. BANCORP (MA)

I am surprised that I was late on this account when I checked XXXX XXXX. I also noticed that I was marked over the limit. I made sure that all of my accounts are in automatic debit from my harbor one credit card. That card is working fine but when the pandemic hit, my account was mistakenly unlinked by harbor one bank. I tried contacting them but the bank lobby was closed due to covid19, plus I never got any statements,  or phone calls or any communication that I was late. I was advised by the bank to write a letter explaining to Elan Financial and they remove the late remark. I spoke to them via phone and they said that they will submit a ticket to remove the late payment on my report but it is still reporting. I even paid off the entire amount. See, I am doing my best to come up with a clean slate. Please help me out.
Consumer complaint received 2020-09-29
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. (PA)

1.CRA returned dispute investigation with " updated '', although nothing was updated. The account has incomplete and missing information which was not verified or updated. FCRA, sect 611 requires prompt removal of account. CRA will not properly investigate or remove account.

2. CRA has a history of responding to these complaints claiming they have reason to believe I am not the author of my own disputes, while not notifying me of their concerns. Instead, they do not investigate or follow FCRA. Violation : FCRA sect 611 3. The CRA is repeatedly re-inserting inaccurate and incomplete information on my file. This is in violation of FCRA, sect 611.

4. Request to remove this obsolete account is permitted ( FCRA, sect 605 ). CRA will not investigate my request for removal and delete account.
Consumer complaint received 2020-09-29
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: ID Analytics, Inc. (GA)

I have been a victim of identity theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interest and has diminish my ability to get credit. Please help me.
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

XX/XX/20 I returned a missed call from Gulf Coast collection bureau and the representative said he does not know why i keep receiving automatic calls. He said I have no outstanding dept. I asked him to please remove me from automatic call list and I still keep receiving call daily from this company and it is always a robo call and not a person.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Hello, Please update this account as paid in full as its been paid off for months now and you have not updated. 


XXXX XXXX XXXX Account number XXXX Account type Balance {$41000.00} Balance updated XX/XX/2022
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I was in forbearance since COVID started. This bank kept calling me and calling me and I finally was able to pay what I owed. When I paid them, they said there shouldnt be any fees but on the day I sen tin my payment, they tack on a Property inspection fee. This was all on XX/XX/19. I have called twice and 2 agents told me there shouldnt be any fees and they will escalated but after a month since the fees was put on. Its still there and the bank agents just give me run arounds and escalate that goes nowhere.

The fee is {$15.00} but its not the amount. Its the way they tack these onto unsuspecting customers. And this is after I ask them if there are any fees.

I attached the screenshot of my payments. The fee of is on the same day I submitted payment.
Even before this, the company kept calling me saying they cant extend the COVID forbearance even though its required by law. Yes. I have called them to extend and they said its extended. Then they turn around and require me to fill out one of their forms in order for me to be qualified.
Consumer complaint received 2024-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: REGIONS FINANCIAL CORPORATION (TX)

The bank took my money ( money for principal down payment and XXXX $ foe recast fee ) from XX/XX/XXXX and asked me to do a handwritten letter for my recast. They said they didn't have any forms for recast, and they promised to adjust my payment on XX/XX/XXXX. 
Then they started to play time with us. They sent us another form. They changed time to approve my recast till XX/XX/XXXX because of the document process. They asked us to redo everything again from the beginning. They sent back XXXX $ for the fee and ask us to send back. 
They totally forgot my money, XXXX $ for more than 3 months. How much can a bank earn with XXXX $? They couldn't answer me. One of the supervisor said they didn't touch my money. They just left it there. The world changes every moment. Do you think MONEY does not change? 
Finally, they asked me to get the money back. How come? The bank stole my money. They used my money. And they asked me to get back without any interest. 
I just need a justice for me.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: AXOS FINANCIAL, INC. (VA)

I received a bank statement dated closing period XX/XX/2022. I promptly called and they advised me they would put a fraud alert on the account. I received another statement XX/XX/2022 and the account is still open. I called multiple times and was hung up on for no reason mid conversation as they were verifying all my details. Social, drivers license, dob and etc. After 4 calls they finally gave me a case number. Additionally if you ask for the fraud department you are transfers to a third party- how can this be allowed to occur? I am not confident this account is closed.
Consumer complaint received 2022-11-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VELO LAW OFFICE (MI)

I received a garnishment letter in the amount of {$2500.00} from Velo Law collection agency. In total {$1900.00} was garnished from my wages. I called Velo Law office around XXXXXXXX XXXX  to get the remaining balance so I could pay it. I spoke to a receptionist who stated I owed over {$900.00} which is not correct. I should only have a balance around {$600.00}. I repeatedly asked her where the extra charges were coming from and she kept putting me on hold stating it's in the judgement. I was never notified nor received any documentation about the amount changing. They are fraudulent adding charges and going to court without my knowledge in order to prevent me from showing proof of what I paid.I sent an email on XX/XX/2022 and they did not respond by phone or email. I am in the process of filing a complaint with the Michigan attorney general as well.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (CA)

Overview : On the morning of XX/XX/XXXX, during a routine glance at my XXXX  XXXX XXXX app on my phone, I discovered to my amazement, that XXXX XXXX dollars ( {$3000.00} ) had been transferred from my saving account to some unknown individual via Zelle. I have never used Zelle services, and my bank records reflect that. It is clear that fraudulent activity was recorded on my saving account. 
I called the bank that morning, and I also sent an email to the bank using the suspicious activity link on the bank web page. I was expecting some acknowledgment from the bank of my report, follow-up notification, and status resolution, but none was coming. 
Over the next XXXX days, I made over XXXX hours of phone calls to XXXX  XXXX XXXX, including in-person appointments with the local bank branch. Unfortunately, as of now, I have no case number, no claim report verification, and communication on the facts with the bank. 
I have been with the XXXX  XXXX XXXX for 47 years, and they thank me for it every time they answer the phone. All my conversations with the bank associates ended with me waiting for hours for the so-called claim department listing to music and waiting for the next available representative. Finally, during my appointment at the bank, the bank associate agreed to call the claim department on her phone using her direct line. After an hour of listening to the same musical monolog, I left the office. 
Examining my account activities also reveals XXXX different attempts to add a transfer recipient to my account, XXXX before the successful XXXX and XXXX after. 

Bank Information XXXX account XXXX routing XXXX XXXX  XXXX XXXX )
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Tally Technologies (CO)

Roughly 2 years ago, I signed up with a company called Tally to chip away at some credit debt I'd racked up in college. The first round was successful and I paid everything off in full. I thought I was done with Tally as everything has been paid off ... ... 

About a year and a half later, I had some more credit card debt I was getting ready to enroll in a similar company ( they were offering a better service for CC debt repayment than Tally ). 

Before I could enroll my CC debt with my chosen company, Tally AUTO-DRAFTED 100 % of my personal CC debt from my bank account into an account with them! ( Without my active permission of course. ) Since then, I've been actively trying to get Tally to REVERSE the enrollment so I can handle my CC debt on my own terms ... 

I've contacted my bank, I've contacted Tally 10 's of times, even my chosen debt relief company to see if they can intervene somehowall to no avail. 

The worst part is, over the past 6 months of actively trying to get this resolved, Tally has been reporting negatively on my credit!!!

I have more than 9 late payments and 4 negative marks on my credit due to Tally NOT AGREEING TO REVERSE THEIR AUTO ENROLLMENT AND REFUSING TO ADDRESS MY SUPPORT REQUESTS!!! 

It's been incredibly frustrating and of course the damage to my personal credit score has been detrimental ... Hoping to come to a resolution here ...
Consumer complaint received 2017-07-16
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: EQUIFAX, INC. (TN)

I filed a bankruptcy in   XXXX   there are inquiries on my report I am not aware of. I was under wage earner from  XXXX - XXXX  when I was discharged. In  XX/XX/XXXX  an inquiry was done for   XXXX   XXXX  ,  XX/XX/XXXX   XXXX ,  XX/XX/XXXX    XXXX   XXXX  .  XXXX   XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX . I never heard of   XXXX   XXXX   XXXX   XXXX   until I learned I was a victim of identity theft.
Consumer complaint received 2022-11-07
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: ENCORE CAPITAL GROUP INC. (FL)

This account through Midland funding was previously deleted through my XXXX credit report and experian is still showing that it is my account it was deleted due to being fraudulent and they keep updating this account it is not my account I do have proof where it was deleted off of my credit report through XXXX
Consumer complaint received 2020-09-30
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. (MN)

Over the past 46 days I have sent two dispute letters in regards to several accounts that are not mine and need to be removed. After the first letter was received by the bureaus involved an investigation was completed by the bureau. Upon completion the accounts should have been removed. However I was notified that the accounts are in a resolved status and have not been removed. I then sent another letter asking again that the inaccuracy be resolved.
Consumer complaint received 2020-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (IL)

Credence Resource Management continues to call me. There is no record of me owing any debt to them, either directly or indirectly. I contacted them by mail, last year when they started the harassment, to ask for proof of claim, and to inquire about the statement they sent, but they did not respond. Also, asked in the same communication for them not to call and harass, and to respond by mail as I had done. My fear is that their fraud will continue and they will attempt to bind me to some contract against my consent. Their harassment is very troubling as they call at all times of the day.
Consumer complaint received 2022-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (NC)

Hello, I have been disputing a collection from MRS BPO , LLC that was placed on my credit file to all three bureaus that is incorrect! I did a dispute with XXXX and the collection remains, I did a dispute with XXXX and the collection was removed and then placed back onto my credit file. 

I contacted MRS BPO , LLC to ask them why have they placed a collection on my credit file and was told that if I wanted to dispute the collection, that I had to pay them to do a dispute. I've never heard of such a thing and refuse to give a company money to resolve something they did unlawfully. 

When I disputed the collection with the credit bureaus I submitted proof, evidence that the account was paid with the original creditor before the collection hit my credit report. I am submitting those same documents of proof.
Consumer complaint received 2021-02-06
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Movement Mortgage LLC (DC)

My loan has been under a XXXX forbearance since XX/XX/XXXX. The first forbearance period was from XX/XX/XXXX to XX/XX/XXXX. The second forbearance was from XX/XX/XXXX to XX/XX/XXXX. I called Movement Mortgage in late XXXX to get information to resume payments at the end of the forbearance. I requested a FHA partial claim which would put the past due balance as a junior lien on the property. Movement mortgage told me that they would have to process this and that I could not make payments until it was processed and paperwork was sent to my home. 

After a month, I called them to figure out what was going on. I still hadn't heard from them. I was told that the partial claim was approved and that I could start repayment in XX/XX/XXXX. I was told that a promissory note would be sent to my house for me to sign, and that I could not make any payments until XXXX. I did not receive paperwork from Movement Mortgage until late XXXX. I got the documents signed and notarized. 

Despite this, in XXXX, Movement Mortgage reported to the credit bureaus that I was 4 payments past due. I disputed this information with all three credit bureaus. Movement Mortgage then updated my credit report to say that I was 30 days past due. This is incorrect. My account was current and not past due at the start of the forbearance period in XX/XX/XXXX, and is not past due now.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found (IL)

I have a checking account with Found " bank '' aka XXXX Bank, and at the end of XXXX I noticed that some charges on my account were not correct. On XX/XX/24 i went back into my office after the holidays and addressed the issue with found after blocking all activity on my card when i noticed it the previous day. 
I followed the proper procedure as described on the website and awaited the response. I than followed up ( outlined in the attached emails ). And every attempt at contact was completely ignored. When they did respond they didn't actually do anything and finally I got tired of this is asked via email why they were ignoring my emails and something must be going very wrong with their company for them to be so negligent. 
Their next response was to freeze my account due to suspicious activity and provide no explanation. They gave me a DEADLINE to provide paperwork which i had started doing and a day after they set a deadline for XX/XX/24, they just closed my account two weeeks before the deadline. Since they keep sending me emails ( attached ) telling me i can log into my account and transfer funds and when i do every thing is blocked stating my account is frozen and the people there when i email they will not respond and when they do it just says i can transfer the funds. But the account is frozen and it will not let me and noone will fix it or even respond to me.
Consumer complaint received 2020-09-29
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. (GA)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open balance XXXX   XXXX  Last reported XX/XX/XXXX {$620.00} Open balance XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - XXXX XXXX Reported : XXXX XXXX, XXXX - XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX - XXXX XXXX  Reported : XXXX XXXX, XXXX XXXX   XXXX  Reported : XXXX XXXX, XXXX XXXX  - XXXX XXXX  + XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX