davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX XXXX was contacyed regarding this account over the past XXXX years indicating this is resulting from identity theft due to XXXX breach. Ive disputed this account more than XXXX times and nothing has come from it. When XXXX federal realized it was in fact fraud, they then sold the debt to a XXXX party named LVNV funding/resurgent. Now this nightmare has started again.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: WLCC (SC)

I have been attempting to resolve an issue since XX/XX/2019. Every time I submit a complaint WLCC d/b/a XXXX XXXX  closes it stating it is a duplicate. The problem is they have NEVER RESPONDED. They are fraudulently closing my complaints as duplicates and NOT RESPONDING to said complaint.
Consumer complaint received 2019-01-29
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: Experian Information Solutions Inc. (OH)

My mortgage company has reported my mortgage account to all three major credit bureaus. Out of which XXXX and XXXX has reported my mortgage account on their credit reports. 
Experian on the other hand had failed to respond to the request of legitimate financial company who held my mortgage account resulting in missing my mortgage account in their report.
Consumer complaint received 2019-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

Notified XX/XX/XXXX by I.Q. Data International , Inc. that I have an outstanding debt with XXXX XXXX in the amount of {$540.00}. Notified I.Q. Data International, Inc.in writing and email that I am disputing the alleged debt as I do not owe it. Contacted XXXX XXXX about dispute and was issued a refund as it was a accounting error on their part. Refund Check Number XXXX in the amount of {$1300.00} dated XX/XX/XXXX.
Consumer complaint received 2019-01-18
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. (OH)

There are two unrecognized inquiries on my TransUnion credit report, both from the same company. 

XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX ( XXXX ) XXXX on XX/XX/2019 and XX/XX/2019 I called the number and I got the runaround.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Expedite Financial, Inc (CA)

I had lease XXXX XXXX, lease end XX/XX/2018. ( Premium is paid automatically my bank account at XX/XX/2018 XXXX offer me New lease XXXX XXXX at XX/XX/2018. 
If I lease XXXX XXXX XXXX again, XXXX offered me that I will return my current XXXX XXXX without paying my lease payments three months in advance. 
I leased XXXX XXXX XXXX at end or XX/XX/2018. 

XX/XX/2018 I, XXXX XXXX check my credit report. 
Credit report late and none payment of XXXX XXXX before I had. ( around {$1000.00} ). 
I, XXXX XXXX have been a lot of financial problem because XXXX made wrong credit report. 
XX/XX/2018 I called XXXX XXXX finance. 
Never say excuse and if they made mistake, they do not call me. 
If I need, I must call them. 

This XXXX is so bad company for customer services. 

Pl help and collect my credit report. 

Thank you.
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (IN)

Due to the Covid CARES act, all student loan payments made after XX/XX/XXXX on federally owned loans are refundable back to the payer. I made payments on my federal loans to Aidvantage during this time. I requested a {$26000.00} refund from Aidvantage on XX/XX/XXXX, and was told that the application had been submitted for refund, and that the process would take 4-8 weeks for the refunds to be sent back to me. I called Aidvantage again on XX/XX/XXXX, and was told that my refund had been submitted, but that there were no updates. I am not worried about when the physical money gets back to me, since that has to come from the Department of Education, but I would have expected the loan amounts to reinstate on the Aidvantage website by now since they have a legal obligation to refund the money to me. It feels as though Aidvantage is dragging their feet since there are no email confirmations that a refund application was submitted, and it takes over an hour to get a hold of a customer service agent.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

My student loans are still reporting with a balance and it should be reporting zero. They update my credit on the XXXX of XXXX saying I have a balance when in reality it showed that my balance is XXXX in their side. 

I reached out to them asking why they report that I still have a balance, and they said it does not show any balance. 

They also said that they update reports at the end of each month and sent me a letter stating it was paid. I sent this letter to the credit bureau disputing the current balances being reported, and they verified it as accurate. Why are they reporting that information was verified and it wasnt. If it was verified theyd report the loan as XXXX
Consumer complaint received 2018-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Since I have opened my account I have been plagued with issues such as the inability to properly access my account online or by phone. My account locks out and I attempt to follow the self-service steps to perform a password reset and I am told that I must call for an authorization code. Only to be met with a message that they are closed. I call in when they are open and am continuously met with a minimum 38 minute hold time and often the representative that answers is unable to assist or service my account. They then proceed to transfer me back to the IVR/menu and I have to go through the prompts and then be placed on another hold for over 38 minutes. Tonight alone I have spent over 2 hours combined on hold with no resolution to my problems. I've voiced my concerns to the bank and no one is interested in resolving my issue. The WRONG phone number is listed on my statements and when called direct me to a client managed department with no wait. They attempt to pull my account up and always transfer me back to the main menu where I have to manually input information to be thrown into a general queue with a magic wait time of at least 38 minutes. This is highly unacceptable.
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Veem  Inc. (CT)

! XX/XX/XXXX there was a ACH transfer from my XXXX bank account to XXXX XXXX XXXX, by way of Veem. On XX/XX/XXXX I contacted XXXX, put a hold on the account. 
XXXX  XXXX XXXX says I need to go the the XXXX XXXX XXXX for redress. 
XXXX XXXX XXXX said I have to go through VEEM. 

A Veem representative called me on XX/XX/XXXX and said they would refund the amount taken- {$42000.00}. its been XXXX weeks and nothing from them. 
I tried calling, leaving messages and sending email to their Fraud help email on their website. No person can be reached, even at the extension I was given. 
No return messages or email. 

The VEEM rep also said on XX/XX/XXXX that a fake account was opened in my name using my email and EIN number only. That enabled scammers to take money from XXXX  XXXX XXXX account. 

Please help
Consumer complaint received 2019-01-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

loan XXXX Modification was approved We made 3 trial payments When permanent was done payments and interest rate too high There's nothing saying the lender can keep our trial payments since we do not agree with loan mod ( perm ) Lender has no rights to keep our funds Plus they qualified us under me and wife ; my name is only one on the loan
Consumer complaint received 2018-04-17
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 — Their investigation did not fix an error on your report
Company: NRA Group, LLC (NY)

I sent XXXX copy of my account statement from NYS department of social services after XXXX XXXX reported that I was in collections for {$110.00} from XXXX XXXX. The NYS department of social services paid my bill in full when I was laid off several years ago and I have been on a payment plan to repay NYS social services. XXXX XXXX sent me and XXXX a copy of a computer print out with no record of the payment from NYS Department of social services and it was not itemized, as I requested. XXXX has not responded to my request to correct this and remove from my report. XXXX took the computer printout submitted by XXXX XXXX to not remove, and when I again, submitted my account statement from NYS department of social services they did not respond and stated to CFPB that there was an unauthorized third party, yet this remains on my XXXX   and XXXX reports. XXXX has consumer disputes and XXXX does not.
Consumer complaint received 2018-04-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I have attempted to get an inaccurate bankruptcy removed from my credit report numerous times. I have filed multiple disputes and have requested multiple times method of verification in regards to them verifying bankruptcy. I have attached letter from bankruptcy court showing that they do not have a bankruptcy listed under my information nor do they provide information to credit reporting agencies. I have submitted a copy of email from XXXX advising that they do not verify information to third party agencies. I have finally attached report from XXXX XXXX advising that they have deleted the inaccurately listed bankruptcy on my report as they were not able to verify. This then begs the question of whether the credit reporting agency is actually investigating my many disputes. They have deleted information as well as numerous other inaccurate information that was appearing in my file that belong to another individual. Once again I request a method of verification of how the credit reporting agency is verifying this inaccurate information. I do not believe the generic response of " third party agency '' is appropriate as I have reached out to third party agency and the court house itself. I want inaccurate bankruptcy   removed from my credit report as soon as possible.
Consumer complaint received 2015-12-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

Am Having a Problem with TD Bank charging me several Overdraft fee the problem started XXXX/XXXX/2015 There was a checked that was deposit into my account For The Amount {$34.00} and the checked was return due because they where no funds on the account so first TD Bank charges me and over draft fee {$100.00} wish posted on XXXX/XXXX/2015 and then they charge me another overdraft for {$35.00} Dollars on the account due beacuse of the check was not valid and they where no funds on the account am really fustrated of this scam td bank i been paying then overdraft fee for each transaction and they are not willing to cover or ajust the overdraft fee of {$35.00}
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc. (MD)

I had payment arrangement with Alliance One in which they were debiting my account via a bank card for a traffic violation with XXXX XXXX  XXXX XXXX. When I observed the debit for XXXX, XXXX, I reviewed prior statements and realized that they continued to debit my account long after the fine was paid. According to XXXX XXXX, the fine was paid XX/XX/XXXX and Alliance One continued to debit to XXXX. When I spoke to Alliance One, they said I am owed {$9.00} as an overpayment. My summons number is # XXXX. Alliance One states that the funds were forwarded to XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX states that they did not receive any additional funds. Alliance One telephone # XXXX
Consumer complaint received 2018-04-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Back in XX/XX/2018 sent a certified mail with a notarized letter asking to delete accounts containing inaccuarte information from the same source but different in each of the 3 bureaus and speciappy from Tranunion, .. The results of the investigation was update information clearly wrong in my credit report afecting my ability to access fimacial stabilization.. Aparently Transunion will not take the effort of extra iinformation sent ro them to double check the big errors in my credit report.

I ask to open their files to match with my records which they never sent me anu proof or document to match isntead I sent them a letter a copies of 3 bureaus indicating the inaccurate of the account in dispute.. Transunion is in clear violation of the FCRA by posting information inaccurate afecting my credit.
Consumer complaint received 2018-04-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WA)

XXXX XXXX established a loan with One Main Financial. Due to personal circumstances including the finalizing of a divorce, he became behind on payments. In the winter of XX/XX/XXXX, he was offered a settlement amount of {$1300.00} which was pain in XX/XX/XXXX. A letter, which unfortunately was lost in changing housing situations, was received documenting the account as paid in full. No further communication or efforts to collect the debt were received from OneMain Financial until XX/XX/XXXX. 

After repeated phone calls without messages - sufficient enough to disrupt his work day - XXXX spoke to a representative who then stated XXXX was months behind on payments. The representative failed to identify himself appropriately. When XXXX disputed the information verbally, he was advised that payment needed to be made or further debt collection practices would occur.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (GA)

I have contacted this company and provided a police report showing that my identity has been stolen and has asked repeatedly for 11 fraudulent inquiries and a fraudulent account to be removed as well and they have not removed the items as requested .I have submitted an online dispute as well as a hand written request and they refuse to remove the items.
Consumer complaint received 2019-01-29
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC. (KS)

I have received multiple calls regarding medical Debt. 
I am under age but currently do not live with my parents.I have stated to the collection company multiple times, not to contact me and to reach out to my parents. They continuously continue to call my personal cell phone number in attempt to collect debt. I spoke with them today XX/XX/2019 and stated the same thing, after telling them I was a minor they demanded my date of birth after giving it to them they confronted me that I was lying. It was a very stressful situation and did not know what to do. I am not use to dealing with this type of calls, and I began crying about the situation. I feel like I am being harassed and confronted every time they call. My brother in law tried giving them a call to inform them about the situation to let them know to contact my parents, but the representative insisted that my name is on the debt. We tried explaining to them that they can NOT contact a minors personal cell phone to collect the debt and he disagree with me and said that her name is on the debt.
Consumer complaint received 2019-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2019 I was notified, by the credit fraud alert that a account was placed on my credit profile with a company XXXX. I have been a victim of Identity theft, and the credit report notifies me everytime someone trys to or, has opened a account. I put this alert on my credit report due to the fact that my roomate had stole personal indentity information, and has been using to open up diferent lines of credit in my name. I filed a police report, and reports with the FTC IC3 and, my local police department. I do not understand how this account was opened because it clearly states in all three credit reports to reach out to me to verifiy any new accounts being open. My roomate stole my information from my home while he was still my roomate last winter in XXXX to be correct. He was using my identity from XXXX to I do not even know for how long as, I have to keep checking my report. I can not belive this is happening to me, and never thought that someone could be as, heartless, and uncaring to do something like this. The event I do not know where it happen I only know when he took my information was tiime he was kicked out for not being able to pay his rent.I have reached out to XXXX, and have tried to file this report like three times now and, it keeps not going through. On the XXXX claim website, and everytime I call I just get transfered around. Also XXXX wants me to show them my ID and, I do not feel ok with this as, I am a victim of Identity theft. If they do not have a copy on file of my ID then pretty much they know it was not me opening up a account. The credit report companys told me to file a police report, and so I filed reports with local police ftc ic3 and, I told each company to put a block on this account as, it was not mine but, they failed to do so, this is against FCRA rules my credit is not something I want to be incorrect, as this makes me look bad, for jobs credit ect.
Consumer complaint received 2019-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (GA)

On Sunday, XX/XX/2019 I attempted to withdraw cash from a Suntrust ATM, however, upon putting in my card, there was no option to withdraw cash. Assuming the machine was simply out of order, I drove to another Suntrust but encountered the exact same problem. Upon contacting my parents, I learned they had the same issue that day. So Suntrust was essentially making it impossible for us to access funds. I had to drive to another bank and pay a {$3.00} fee to withdraw money. Now Suntrust has charged me an additional {$3.00} fee for using another ATM. This is absolutely ridiculous- their machines aren't working and they are going to charge me for getting my funds out via another bank? This seems an awful lot like holding my money for ransom.
Consumer complaint received 2019-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (NJ)

I have been trying to apply for a loan modification with Amerihomes for about a year now. I fell behind due to my debt that accumulated during my mothers death and sickness. I also had flooding in my basement. When I tried to make a payment the bank would not accept it because I was more than 3 months behind. I have applied on several occasions. I always provide all the documentation they request. Every time I call it is another document that they request. I submitted another loan modification package. I was told it was complete as of XX/XX/XXXX. It was with the Underwriter and it would take them 30 days to make a decision. Now today on XX/XX/XXXX I was told by Ms. XXXX agent ID XXXX that the XXXX has stopped reviewing my package AS OF XX/XX/XXXX because they need more information. They need proof my mother died and medical bills and they need me to send them a bill for all of my expenses itemized. They want bank statements outlining all of my expenses. This is unfair and ridiculous. They are going to keep making excuses until I loose my home. Every time they put an excuse to this loan modification. It seems like they want to foreclose on my house since it is in a nice area. We make more than enough money to pay for our mortgage between my son and my sister 's family. Our hardship was resolved and they are trying to steal our home! my family has been through enough now they want us to be homeless too!
Consumer complaint received 2018-04-17
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: Receivables Performance Management, LLC (TX)

Upon reviewing my credit reports via my credit monitoring services, I was shocked to see a collection account listed from a company that I have never heard of before by the name of Receivables Performance located at XXXX XXXX XXXX XXXX in XXXX, WA. The account listed is for a cable bill. Again, I have never spoke with anyone from this business regarding a cable account. This company has listed that I made a payment to Receivable Performance XX/XX/XXXX in the amount of {$220.00}. 
I have an active account with XXXX XXXX, which is XXXX Now. I spoke with a live representative on made a payment of {$220.00}. I received a confirmation number of XXXX. On XX/XX/XXXX the said amount, {$220.00} was deducted from my bank account. 
Please remove this collection account from XXXX, XXXX, and XXXX in this company has in fact reported false information immediately. I have never made such payment to Receivable Performance.