davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XX/XX/2021
Consumer complaint received 2019-07-24
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: FACTUAL DATA CORP. (NY)

Factual Data is repeatedly falsely verifying an unauthenticated and unauthorized inquiry on my credit files. I have not received a firm offer of credit for Factual Data to be listed as a hard inquiry on my credit files nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

The illegal unauthorized inquiry was performed in XXXX of 2018. 

In the event Factual Data has documents or verifies that this inquiry is accurate, I demand that they verify via Sworn Notarized Affidavits so I can know the person who handled my dispute and to state THAT THE ALLEGED INQUIRY IS IN FACT COMPLIANT AND IS NOT SUBTERFUGE. I want to see the signed authorization form that they used to perform this inquiry. Otherwise, I demand that Factual Data remove this inquiry off my credit files. Otherwise, any verification from Factual Data will be deemed hearsay and will be admitting that Factual Data is intentionally, maliciously and recklessly reporting an illegal, unauthorized and unauthenticated inquiry on my credit files.
Consumer complaint received 2019-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

My attorney had assured me that the collection issue was handled, yet it continues to show up on my credit report. Each credit report thus far shows a different amount. I call to get an answer and they refuse to speak with me and said they would only speak with my lawyer. I cant afford to pay my lawyer anymore money when he told me it was handled. Im asking this permanently be removed from my credit report.
Consumer complaint received 2019-07-24
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. (GA)

Inquiries that I did not know about nor authorize. Never sought credit through lender and in case of XXXX XXXX XXXX XXXX was told they worked from 1st credit report they pulled for 30 days and there would not be a second but second pull was done. Other creditors or services I have no knowledge of and did not authorize my credit report to be pulled nor accessed. XXXX inquiry dated XX/XX/XXXX. XXXX XXXX auto finance dated XX/XX/XXXX. XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (NE)

On XX/XX/2022 I called my loan servicer, EDFinancial to request a full refund. I spoke to a man from customer service and requested a refund for the full amount I had paid in the amount of {$10000.00}. He informed me that my refund would be processed but could not give me any date as to when it would be processed, when my new balance would be reflected in my account, or when I would actually receive the refund. He also told me there was no way he could even confirm that I had requested this refund- no email or mail confirmation, no code, etc. I would like some sort of confirmation to show how I requested this refund and some more information on when this will be processed. I find it extremely odd that EDFinancial doesnt have anyway to confirm a refund request for a client.
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (OH)

Hello, I have been sending emails to Binance and US Binance regarding this issue since XXXX. They are a crypto currency trading platform. They only can be contacted by email and I have put in many support tickets, and have received either no response, or minimal response and one unkept promise to resolve the issue.

I been a long time customer of the original Binance. Late in 2020 when US customers had to close their Binance account and open a US Binance account I transferred several assets to new US account. My new US Binance account does not support one of the assets ( XXXX XXXX ) that I transferred. However, they hold the " keys '' to retrieve the assets. I have a copy of the email they sent me me stating they would retrieve the XXXX assets for a fee. At this point in my correspondence with them it is now XXXX ... XXXX months, and I agreed to the fee and gave them the info they needed to complete the task. I have heard nothing from them. I have tried every way I could research to contact them and nothing has worked, you are my last hope. We are talking about over {$6000.00} here which is a lot of money to me. 

Any help at all is greatly appreciated, it is a lot of money for me. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-07-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Equitable Acceptance Corp (MI)

I was initially contacted by XXXX XXXX in Fall 2016. Equitable Acceptance has partnership with XXXX XXXX/XXXX XXXX. These corporations are scam companies " dealers '' for Equitable Acceptance. XXXX XXXX XXXX calls individuals and present a con/scam that they can enroll students in a special student loan repayment program. These corporations inform students that they qualify for loan forgiveness program and much lower monthly payments to their lenders ; which would ensure less payment out of student 's pocket and more loan being paid off/forgiven by the government. These corporations inform that the offer is only provided through their enrollment and the program enrollment will be ending soon. These corporations charge a fee for this service, in my case it was {$1800.00} in monthly direct debit amount of {$30.00} from my bank account. But these corporations convince students this is a great deal compared to how much they will save you from paying back to loan lender. Once an individual agrees to enroll in their scam program, they are connected to Equitable Acceptance to set up payment plan for their {$1800.00} document processing fee etc. Unfortunately, I fell for their scam. The documents are actually available FREE on department of education website, that students can complete themselves for no charge. These corporations were submitting false documents on my behalf indicating that my annual income is lower than it actually is. I never qualified for any of the programs that would result in student loans being forgiven. It only ended up costing me {$1800.00} and additional length on my student loan re-pay since they enrolled me in extremely low payback program. I want these evil scammers taking advantage of vulnerable students to stand trial for their crimes and be incarcerated. This scam needs to stop! I don't expect to see my {$1800.00} again as they are a fraudulent ponzi-scheme company. But I don't want them to continue in business getting rich off poor working students and ripping of Department of Education at same time if they continue enrolling individuals in re-payment programs that they don't qualify for.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Pentagon Federal Credit Union is reporting my auto loan status incorrect to transunion the auto loan was NOT included in my chapter XXXX bankruptcy in fact I sold the car prior to filing. PenFed sent me a payoff confirmation letter. This was sold to XXXX the account was paid in full and closed by me. As the lien was satisfied. Yet penfed decided to report it as derogatory commenting included in chapter XXXX bankruptcy this account wasnt included the account was paid in full and satisfied. Not derogatory and I want this updated to reflect paid in full as it should be.
Consumer complaint received 2019-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have three accounts with Bak of America. We are working on getting them all closed. One of the three accounts has a negative balance that is only fees. The monthly fee creates an overdraft fee etc. I would like the fees to be waived and my checking account closed.
Consumer complaint received 2019-07-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Porsche Financial Services, Inc. (TX)

XXXX manager submitted incorrect income information in credit application to multiple banks. Due to this error, auto loans were denied and left me with limited choices to choose for the loan. 

Even though the deal was finalized and completed, credit inquiries with dates after the transaction was done have shown up in my credit report when I did not need a loan anymore.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hey TRANSUNION I am a consumer and a authorized user on an ACCOUNT with XXXX XXXX through another PRINCIPLE DEBTOR. I do not have the authority to change that ACCOUNT INFORMATION I can only monitor my own CREDIT INFORMATION. TRANSUNION the information that you are reporting on my credit report shows inaccuracies that needs immediate repair as it has to do with commerce and or trade. On a credit card account under a open end consumer credit plan 15 USC 1666b timing of payments a creditor shall not treat a payment late for any reason. TRANSUNION permissible purpose from the consumer was never given in order to furnish this inaccurate information which shows a breach of privacy and willful negligence to treat the consumer fair and equitable. Posting 9 late payments from XXXX XXXXXXXX is not treating the consumer fair and equitable that is defamation of consumers character when all obligations are of the United States pursuant to 18 usc 8. XXXX XXXX AND TRANSUNION THIS ONLY IS REQUIRED OF MY CREDIT PROFILE AND PRIVATE NON PUBLIC INFORMATION I DO NOT SPEAK OR ACT FOR NO OTHER PARTY ONLY MY PRIVATE NON PUBLIC INFORMATION THAT IS BEING REPORTED ON.
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NV)

Can not get Log into account in order to set up payments or any other accounts from Synchrony credit services or any account serviced via Synchrony! I have talked to them was supposed to try it in a week and if not call back, which I did and called back. Was given another excuse and another week to correct?????? this issue. Strange my wife 's accounts seem to work, NONE of mine, you figure it out. Anyway I called them today and asked them to send me paper statement since it is obvious that they can not get all their parts in one basket .... I have also informed them that they are the worst and this was not the FIRST time I've had issues with them. I'M SORRY, is what I get .... had I not called them again and asked for a paper statement from here on and the payment would have been late or not made cause I was NOT ABLE to log in, they would have turned me in the the credit reporting agency as a missed payment ... .. FAIR huh????
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (IN)

I applied for a cash out refi on one of the properties that I own with this company. During, and leading up to our decision, my husband and I, did a little due diligence and found that on one hand ( primary their marketing program ) they came highly recommended. However, in delving into some of the personal reviews, we found a problem centered around the {$500.00} processing fee that this company charges in order to start any application to re-finance. Based on the skepticism forthcoming from these reviews, we made it clear with our agent i.e., XXXX that our fee would be refunded if they ( AmeriSave ) were responsible for derailing the process. Well, this is exactly what happened. I work for XXXX XXXX and was on sick leave. AmeriSave, in general, wanted us to get XXXX XXXX to issue some type of written guarantee that I would be returning back to work, with the same pay scale. This was not only an unreasonable request, based on the fact that XXXX XXXX does not issue such statements as a matter of policy, it made it an impossible request. Therefore, and based on our aforementioned verbal agreement, we asked that our {$500.00} processing fee be returned and were denied. At this point, our concerns that surfaced in reading the personal reviews about this company, doing this very thing as a matter of policy, we now found ourselves as a victim of as well. We now find ourselves in a fight that we intend to pursue upon every legitimate avenue available to us, starting with filing a complaint with the Consumer Protection Agency. Finally, it is not the money, we can afford to lose {$500.00}. We do this for those that are being ripped off by this company, especially the ones that can not afford to lose {$500.00}, but also do not have the time to fight this company in their scheme to rip off the consumers who fall victim to their scheme and based on our research of previous complaints ... this is a scheme. 
Finally, this company concluded that they denied me based on my credit report. Please see attached reports from me and this company.
Consumer complaint received 2019-07-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (WA)

Check Fraud has been committed and Wells Fargo has verified this, a check was made out to me and i did not endorse it, nor was I even present. Wells Fargo cashed it regardless, despite my reaching out to them proactively. I have been told that they will be refunding the check so the issuer can send it to me. This was months ago. Wells Fargo refuses to divulge any information regarding time frame or where in the process they are. I have been awaiting for my funds for several months now, with no information given to me. Cashing a check without the persons endorsement, without the person even being there is extremely and crossly incompetent. These are institutions we are supposed to trust. 

Again I have filed out the affidavit Wells Fargo request, that check was made payable to me, I did not endorse it and it was cashed regardless. That is grossly unacceptable from a Financial Institution Account number XXXX, check number XXXX for {$3500.00} Payable to XXXX XXXX AND XXXX XXXX XXXX XXXX the VP of commercial banking corresponded and said it takes 30-90 days, that was XX/XX/XXXX. I'd like an update at the very least please.
Consumer complaint received 2018-05-20
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: FC HoldCo LLC (LA)

I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution.

The inquiry was placed XX/XX/2017 2017
Consumer complaint received 2019-07-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nae-Mo Corp dba Matthews & Michaels (WA)

My spouse received several phone calls from a debt collector called " Matthews & Michaels ( XXXX XXXX ) '' asking for a person with a similar name to mine. She told them that no one of that name lives here and hung up, and did not answer calls from that number after several initial calls. 

On XX/XX/XXXX, three men in a large pickup truck from an agency called " XXXX XXXX XXXX XXXX '' came to my home asking about a vehicle that I have never owned and asking for a person with a similar name to me. They did not initially identify themselves but just said they were here to talk to me about this vehicle. When I said I was not the person they had named, they began to leave, but I asked them who they were and who had sent them. They had paperwork that showed that they had been sent on behalf Matthews & Michaels, and they allowed me to photograph the paperwork. I have attached this paperwork to this complaint. 

The paperwork shows my address and my wife 's phone number listed with a person with a similar, but different, name. It also lists other addresses that I have never lived at or been associated with, as well as a vehicle I have never owned or driven. 

The paperwork lists the following contact information for the two companies involved : Matthews & Michaels ( XXXX XXXX ) XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone : XXXX Fax : XXXX
Consumer complaint received 2018-05-20
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: SYNCHRONY FINANCIAL (LA)

I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution. I have 3 inquires from this company. One from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These are from walmart and XXXX XXXX XXXX.
Consumer complaint received 2021-07-23
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. (MD)

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2018-06-26
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. (FL)

Equifax is violating the law by taking dropping your score if you dispute accounts that do not belong to you. I am currently disputing several accounts that are inaccurate or do not belong to me. I feel they are doing this because there is a glitch in their system that they refuse to fix that does not allow on line disputing. The accounts that are currently being disputed need to be removed and my points restored to my score.
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MI)

Upon the end of my service contract with XXXX XXXX I had a balance of XXXX on my account and I decided to go with XXXX XXXX XXXX with a new service contract app on the switch I had made sure I did not owe XXXX any money and after the switch I received bills from XXXX saying I owed money for early termination fees which is not possible considering I switched carriers at the end of my service contract I have tried to resolve this matter with XXXX with no success
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (AZ)

received my monthly statement for XXXX stating my balance on my account was {$65.00} which is due on XX/XX/19. I paid that balance off on XX/XX/19. I received another statement for back finance charges in the amount of {$200.00}, when i thought the account was paid in full. I called Comenity to ask and it turned out a promotion ended on XX/XX/19 which was the reason for the back interest even though my statement stated my due date was the XXXX and I had paid prior, I was still charged. This was confusing on the statement, i explained and I paid off that balance immediately. I now have an additional balance of {$27.00} for a late fee and finance charges on that amount for {$4.00}. I specifically asked the rep on the phone if the finance charge was for the late fee and she stated yes. I then asked to speak to a supervisor and requested to have my account closed. I feel this is in violation of UDAPP due to how the statements read causes confusion and additional charges when the account was thought to be paid in full.
Consumer complaint received 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Our loan has been paid off to Specialized Loan Servicing, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, CO-XXXX Tel : XXXX and my loan account number : XXXX. The principal was paid of on XX/XX/2018 and escrow amount as per statement is {$1800.00} and but they mailed the check of {$1100.00} thereby shorting to the amount of {$730.00}