davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (FL)

I contacted Mariner to confirm that I was paying the balance showing online. When I contacted the company speaking with XXXX, he indicated he would call me back soon as the computer was down. Well, a few hours later, no return call. I called back and though it was working hours, I received a voicemail and left a message and still no call that day or the following day. I got online to go ahead and pay the balance in which I initially saw upon calling was a little over {$2800.00} Well, a few days later, the balanced had increased approximately a {$100.00} dollars and the balance now was {$2900.00}, I did not understand the massive increase and when I called back and spoke to XXXX, he was telling me an amount that was not showing online. I informed him about the increase of the {$100.00} and he could not explain why the balance had increased that much and he claimed he was not seeing the amounts in which I was stating was on the account upon logging on. Well, when I reluctantly paid what was displayed for the balance, {$2900.00}, it then shows me that a remaining balance on the account that was not in the balance showing, it was {$120.00}, which made me pay {$3000.00}. I do not agree with this as the payoff balance as the account should reflect a real time balance and XXXX could not justify why this was not the balance on the account. I requested a manager and XXXX, indicated he was the manager of the store and which he is a poor representation for this organization. I called the corporate number ( XXXX ) XXXX to discuss that the balance that was showing on the account as a payoff, is not the amount that I paid, I paid more. left two messages on their voicemail and no return call. I also wanted to inform them that XXXX did not call me back to discuss the account as he indicated he would which cause me to pay even more than the {$2800.00} hundred that the account was originally reflecting as the balance as per my initial contact. When I called back, he could not tell me why it had increased over a {$100.00} for the balance, then he could not tell me why it was asking for more money when I paid the balance that was then showing of {$2900.00} then still telling me that {$120.00} is due to pay off the account which I paid. XXXX is not knowledgeable and is a poor representation of the company
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15. U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

The three credit companies XXXX XXXX, XXXX and equifax, all have XXXX  insurance on their site stating I owe the company XXXX  {$180.00} dollars. I recently have been trying to paid off my credit so im working with a credit repair company XXXX XXXX XXXX! XXXX  told me that XXXX  have been reporting negatively to my credit since last year. I thought that was odd because I paid XXXX  the money in full last year and open up a new policy with them. Since then I havent missed a payment for a year and Ive been on time. XXXX is still reporting me negative to all three credit agencies to this day!!! The credit report company has also asked XXXX  to remove these items and they refused. So I called XXXX  and explained I wanted this removed from my credit they said it was out of there hands to call the collection agency so I called them and they said they couldnt removed it to call XXXX  back! So I put in complaint with the credit agencies thats allowing this hurtful information to stay on my credit and no one is doing anything! Also there is a second bill with a company XXXX. The original balance I owed was over {$5000.00} dollars I paid it down to {$1300.00} but some reports say I didnt pay anything on the bill at all, while others say the original amount was only {$1800.00} but all are incorrect with no payment history or very little payment history. Im disputing this information because its incorrect. This has been damaging my credit scores and rating for years I want something done about it!
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-05
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: Atlanticus Services Corporation (VA)

I received a letter from a company claiming to be " Fortiva XXXX XXXX '' - it was addressed to " dear applicant '' and said the below information was needed to process my application ( which I did not make ) : A copy of social security card An original pay stub or copy of most recent tax return an original utility bill. 

The address for return of the information is : Fortiva XXXX XXXX ; XXXX. XXXX XXXX, XXXX, GA XXXX. 

I looked this up and there is a website " XXXX '' which lists this website. 

Either the cite and the company is fraudulent or someone tried to open an account in my name - either way, I wanted to report and bring to your attention.
Consumer complaint received 2018-10-13
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: Experian Information Solutions Inc. (TX)

An inquiry on XX/XX/2018, a Miscellaneous Utilities of XXXX XXXX. placed a hard inquiry on my report and knew that they do not service my area. XXXX XXXX stated that they could service my home but once they got here it was null.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I disputed a fraudulent Capitol One account off of my credit report and its stopping me from opening another account. I have no debt. I dont know if im flagged in the system but whatever is stopping me from opening an account because a previous one was fraudulent needs to be removed.
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

On XX/XX/2021 at approximately XXXX EST my coinbase.com account was compromised. The individual or individuals were able to transfer funds totaling approximately {$35000.00} to an unknown wallet.. 

I disabled my account at XXXX EST but the damage was already done. I have since sent several e-mails ( there is no live customer support line ) to try and get any additional information or resolution.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (MA)

I currently lease two XXXX  cars and during my almost 3-year term all goes smooth. On month # 30, end of XXXX I get hospitalized and I miss a payment. After 5 days I realized I had to pay and I went ahead to bring my account current, with penalties. Mid XXXX my credit score dropped 65 points! I called BMW finance and explain the situation, I am told they can't discuss or resolve over the phone but to email/fax documentation as medical would be an exception to look into and adjust my credit back. I sent pages of medical documentation ( E.R, family doctor etc. ) Three weeks after I received a letter from BMW finance saying " documentation is NOT sufficient '' and credit will not be adjusted back. They did not provide any reasons nor they included what needs to be provided to be " excused ''. How can human beings not be sick and not ruining their financial life. This is absurd. I will pursue this to any extent of the law it allows citizens to do so. Never mind, I have leased 7 cars and been a good customers, never late payment etc. you get seriously sick and now can't get a business loan, refinance etc. What's the reason documents from hospital and doctors were not accepted, why this credit can't be adjusted back, why they refuse to speak over the phone and they have the unilaterl right to report consumers and ruin people life to the credit bureaus? Absolutely illegal! and I have leased two cars so the reports hit me twice!!!
Consumer complaint received 2021-12-07
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)

Since XX/XX/2021 I have been disputing a XXXX XXXX  account that has been appearing on my TransUnion credit report but received a response that it was verified by discover bank. I again disputed the XXXX XXXX  entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified. I then sent a certified letter to XXXX XXXX  disputing the information on my transUnion credit report never receiving a response, even though I have pointed out to TransUnion all the inaccuracies on my credit report they continue to violate federal laws and in turn are causing me financial hardship costing me thousands of dollars in high interest rates, denied credit and high insurance premiums, defamation, negligent enablement of density fraud. They are also in violation of the FCRA. I am providing the certified letters sent to TransUnion and XXXX XXXX  I will also provide my most recent credit report High lighting the inaccuracies.
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX and shows a balance of XXXX which is an incorrect balance and the account is actually payed off. It is also listed as collections but is still an open account. This appears on all three credit reports. The last company is listed as XXXX XXXX and XXXX ( XXXX ), showing a balance of XXXX which is an incorrect balance. It is listed as collections but is still an open account. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. There are also several inquiries on my credit report that should be removed as well. I am requesting that they provide proof that I actually applied for these companies with my legal name listed as, XXXX XXXX XXXX and if they can not provide that proof then all of those should be removed.
Consumer complaint received 2022-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

I have already filed a complaint with you all about this. Toyota Financial is still saying I owe them {$200.00}. Now they are saying I made partial payments which is not true I will submit my itemized statement and bank statement. They are not being honest and I am not going to pay this. I will reattach my statement and my bank statement and you can tell me where I made a partial payment. This has been a nightmare!! I go on their website to get the pay off so I can get a different loan and it won't let me on. This company has some of the WORST reviews on XXXX and I want to be free of them. PLEASE if you can see where I owe them the {$200.00} I will pay it. I've been told that I missed XXXX, XXXX & XXXX payment. Then the next person told me that I miss XXXX which I actually paid the end of XXXX. I have not got the same answer or a straight answer from any of them. I now got a notice from their collection department. This is not right and because they are a big company they think they can get away with it. But they have messed with the wrong person!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

in accordance with the fair credit reporting act. the list of accounts below has violented my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 604 A States I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing reporting agency may make any consumer report any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TN)

So regions said my account was over drawn, but my account is clearly not overdrawn. I had another deposit coming in for anything that would come out today, but last night it wasn't overdrawn. It still showed {$35.00}. I haven't had this problem until 2021. This has happened 3 times and they say I had not enough funds to cover it. But it shows that I did and do. I am looking forward to switching banks because none of my other bank accounts do this to me. I literally see that regions is now stealing money from their customers. I took a screen shot. Literally if I know its going to be negative, I transfer money in time, but in this way when a check comes overnight. They give me an overdraft fee even when my account balance is not negative.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (FL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ideal Collection Services, Inc. (GA)

I paid this company in accord and satisfaction. The are continuing to report that I owe them a debt, which is deceptive practices. They were paid via money order and U.S. Mail XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (TX)

On XX/XX/XXXX I called XXXX XXXX, who had me talk to their billing Dept, Receivable Management Group, to pay a bill {$54.00} confirmation #... I Spoke with XXXX XXXX. He took my payment and told me I had another bill that had not been paid from XX/XX/XXXX for {$150.00}. He told me they reported it to the credit bureau. I never received this bill! When I told XXXX XXXX I never received this bill, XXXX looked into it and said it was their mistake as they sent the bill to an incorrect address. ( I spoke with XXXX XXXX on XX/XX/XXXX ). I also informed him the insurance/health share I had at the time, XXXX XXXX XXXX no longer existed as they declared bankruptcy. He also confirmed that this was correct ( XXXX XXXX took our money for 2 years and never paid a single claim ). He told me my credit would be restored and the issue would be sent to the back office team to be resolved to {$0.00}. He told me I could call back in 7-10 days to check the status. 
XX/XX/XXXX I talked to XXXX XXXX. 
On XX/XX/XXXX I talked to XXXX, then XXXX because I was still showing that I owed. 
On XX/XX/XXXX I talked to XXXX, who said she'd send to her supervisor in resolutions. Said she'd call back and never did. 
On XX/XX/XXXX I called and talked to XXXX... told it was still in Resolutions. 
On XX/XX/XXXX I talked to XXXX x XXXX, still owed. 
On XX/XX/XXXX XXXX  (? ) called and was finally told it had been cleared. 
XX/XX/XXXX Talked to XXXX x XXXX x XXXX confirmed I do not owe. 
XX/XX/XXXX Letter Dated and I received shortly after saying I still owe {$150.00}! 
I received no notification or bill for over a year and a half that I owed a bill. Texas Law states that they have 11 months to notify or send a bill.

I do not owe this bill. I pay all my bills. I would like my credit cleared ( they told me it has been ) and I would like this bill to go away. I would like a statement showing I do not owe and my credit is not affected.

Receivable Management Group Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.rmgcollections.net
Consumer complaint received 2019-03-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

I have been in dept with this company for over ten years. I have deferred my options and explained my income. I am not in the position to pay them what they are asking. The whole world knows that the US advices you to go to college, take out this great dept if your parents arent rich, and some how pay them back. When companies offering a job are only offering a XXXX starting income. They have taken my taxes, harass me daily with calls, and stresses me out beyond day to day. I am a single mother trying to provide. For my mother who is not workin, and my grandmother as well. I just dont have the money.
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

HI, my name is XXXX XXXX and I had my mortgage moved from Rushmore Loan Services to XXXX XXXX  XXXX  in XXXX of this year. Rushmore owed me {$1100.00} for the balance of my escrow. They sent me a check a month later, and it bounced. I have called the company 5 times, send 5 messages on the secure message center ( marked as received and read by the company ) and the issue is not being resolved at all. 
The first two times I called in XXXX the associates told me " check is in the mail '' and the other 3 they tell me they will look into it then no-one gets back to me. Another associate told me they " read '' problem resolved. I finally called again on XXXX and the associate told me she saw nothing on the site and would get back to me in one day ( never did ). This has really been a terrible company to deal with over the last 4 years and I believe they have no intention to pay me what they owe after the check bounced. I don't know what to do. Thank you for your help. XXXX.
Consumer complaint received 2017-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

ACCOUNT WAS CLOSED FOR NO KNOWN REASON, BEEN A CUSTOMER FOR HUNTINGTON BANK FOR ALMOST 10 YRS WITHOUT ANY ISSUE..
NO ONE COULD EXPLAIN TO ME WHAT MY CAUSE OF ACCOUNT CLOSURE WAS PLEASE INTERVENE.
Consumer complaint received 2020-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN XXXX BUSINESS DAYS!!
Consumer complaint received 2020-12-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CA)

I sent an international wire transfer through Remitly to my family on XX/XX/2020. I have a confirmation email stating that the funds would be available in my family 's account on XX/XX/2020 PT. The full amount was taken out of my account but my family never received it. I received an email from Remitly on XX/XX/2020 that my family 's bank needed to complete a XXXX check for the account provided. I called the respective bank, but they told me that they never require that for money wires coming in. On XX/XX/XXXX, I spoke to a customer service agent who helped me re-send the amount. They said that I should receive confirmation within a couple of hours. However, by XX/XX/XXXX the status of the wire was still pending. On XX/XX/XXXX, I asked the customer service agent to cancel the pending transaction because it was simply taking too long. They said they would cancel the transaction and refund me the funds in 24-48 hours but it is currently XX/XX/XXXX and I have not heard anything and my transaction is still " pending '' on the Remitly website. I am attaching the transcript file from XX/XX/XXXX.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15. U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.