davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

i financed a XX/XX/XXXX used XXXX XXXX  with CREDIT ACCEPTANCE IN XX/XX/XXXX already with a high interest rate and horrible business practice and reporting my information incorrectly i traded in the vehicle on XX/XX/XXXX, with XXXX XXXX, my first payment to XXXX XXXX was due and paid XX/XX/XXXX, CREDIT ACCEPTANCE continues to report to the credit agencies late payments for XXXX, XXXX and XX/XX/XXXX despite receiving the pay off in XXXX, and despite supposedly not holding anyone accountable for LATE payments in XX/XX/XXXX during the pandemic and stated they will not be reporting late payments, even with this in place i made all my payments through out the lockdown including my XXXX payment to avoid this, i have disputed this several times with the bureaus sent in documentation to CREDIT ACCEPTANCE intially i was told it will be corrected and still they are validating the matter with the buraus and refuses to lift these late payments off my report despite its inaccurate ... how can i have a late payment in XXXX or XXXX when credit acceptance acknowledges they received the payoff check XX/XX/XXXX? my payments werent due until the XX/XX/XXXX of every month i spoke with a XXXX  at credit acceptance in the escalations department who tries to justify this by stating they report at the end of the month, which still wouldn't give an explanation for a late payment for XXXX this is heavily effecting my credit and they refuse to acknowledge their error of fix it. my relationship or legal obligations ended in XX/XX/XXXX and they still report a late payment for XXXX and XXXX as well as XX/XX/XXXX who intially claims they will not do my understanding is that CREDIT ACCEPTANCE IS currently being sued for these illegal practices and im willing to join the class act lawsuit because i have documentation of all my on time payments and proof this contract was terminated prior to the dates they are reporting
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (AZ)

MoneyLion chooses not to follow EFTA federal law. On XX/XX/2020 tried to withdraw {$120.00} at atm. ATM showed message on screen ( as best as I remember ) saying error contact your bank or card issuer. I received {$0.00} ( XXXX/nothing ) of the {$120.00}. However it still was deducted from balance. This happened to me once before and that time it was corrected quickly itself. So I waited before contacted MoneyLion in hopes it would resolve itself again. But it didnt therefore I filed a dispute claim on XX/XX/2020 by phone then per MoneyLions request signed & completed their dispute form and sent via email on XXXX XXXX. On XX/XX/XXXX and XX/XX/XXXX sent numerous emails asking for update and asking why if not claim wasnt completed why I hadnt received a provisional credit after 10 days per EFTA federal law? But never once received an response back. Called on XXXX XXXX and 1st representative repeatedly said Id receive a provisional credit on XXXX XXXX. No help. Called back and asked to speak to a supervisor but representative said she needed know why before speaking to a supervisor. Explained everything. Representative said same thing as 1st representative but she stated I wasnt eligible for provisional until XX/XX/XXXX ( Ive had this account for 4 months so I wasnt a new account ). I asked why MoneyLion wasnt following EFTA federal law? Representative only repeated herself about not being eligible till XX/XX/XXXX. I never spoke to a supervisor and hung up on representative out of frustration and anger. This is an atm error. So now I cant pay my electric bill which was due over 2 months ago! Very disappointed with MoneyLion.
Consumer complaint received 2021-10-12
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. (WI)

Credit bureaus have not provided me with method of verification for late payments and has refused to mark my XXXX accounts disputed by consumer. I have asked for this information in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2021.
Consumer complaint received 2021-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TX)

I purchased an item for on XX/XX/21 for {$110.00} from a company named ledger. I wanted to return the item and reached out the vendor after receiving the product. I was advised the item needed be sent to XXXX for a refund within 14 days. I got a shipping quote that was about {$120.00}. I reached out the vendor and requested they provide me a XXXX address to return the product as it wasnt reasonable to pay more to return a product than it cost to purchase. They declined to provide a XXXX return address even though it was shipped to me from within the US. This company has an unreasonable return policy so I wasnt able to get my money back or return the item. 

The terms of my card agreement with Apple/Goldman sach state that If I am dissatisfied with the product or service I may have the right not to pay I filed a dispute with my Apple Card/Goldman Sachs. They ended up siding with the vendor vs me from the dispute as I didnt return the product even though I provided them with the facts of the vendors return policy. 

I disagree with their decision and have demand they either refund the {$110.00} plus any interest or use arbitration as outlined in the card agreement. They have refused to provide a credit or proceed with arbitration as outlined in the card agreement. Ive reached out them 3 times to no avail. I was even told by one rep in a chat that the card offered no consumer protections. 

I would like to have the {$110.00} plus interest refund to me or proceed with a third part arbitration through JAMS at Goldman Sachs expense as outlined in the card agreement.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (FL)

I have a conventional loan with loandepot and want to refinance. For that, I have been trying to get payoff statement but being denied the statement. I have emailed to the customer services as well as tried to contact the phone number provided but no one respond to the numbers or not able to reach customer service. Bacause of that my refinance application is being delayed unnecessarily and causing me financial loss in the form of higher interest rate.
Consumer complaint received 2020-12-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have been trying to honor my signed agreement with my loan modification from XXXX XXXX XXXX, a company hired by Bank of America to service loans during hardship. I was given back to or my servicing was returned to Bank of America in XX/XX/XXXX. From day one Bank of America has been attempting to dispute my payments and insisted that I owe more than the signed modification. This claim they say is because of my city taxes, however my city taxes have not increased since XXXX which was 2 years before the loan modification. They then said it was my homeowners insurance. This policy is lender placed and exceeding the amount that the loan is for. I then placed my own insurance on my home but the insurance cancelled because I needed a roof. Inspire of this my main problem still is why the bank is not working to honor the modification which helps me to avoid foreclosure. I feel Bank of America is being unfair by placing unaffordable insurance on my home along with discrimination against me and my status as a single XXXX home owner. The bank isnt trying to work with me on affordable insurance because its not profitable to them. This is my home Ive been here for 16 years and Im trying to stay in my home. I hope you can help me with this matter.
Consumer complaint received 2017-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (WA)

Received letters from XXXX attempting to collect on Statute Debts. 9 years old or so. Claim offering reduced amount. These debts are statute and are not on my credit report. 

Furthermore, another debt was already disputed with credit reporting agencies and correctly and appropriately cleared from my credit file. 

XX/XX/XXXX XXXX XXXX XXXX Charged off and removed from credit file XX/XX/XXXX XXXX XXXX XXXX XXXX ( Statute account ) XX/XX/XXXX GE Money Bank ( Statute Account ) Letter received is dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CO)

I paid off a Wells Fargo retail account back in XX/XX/XXXX. My wife did not realize I paid it off and sent in 2 payments totaling {$1500.00}. ( XX/XX/XXXX and XX/XX/XXXXpayments ). I have since tried numerous times to get these monies refunded back to me. They originally said they would mail out a refund check ( in XX/XX/XXXX ) ; the first check never arrived. I called Wells ( XX/XX/XXXX ) and they said I would need to fill out a notarized affidavit and send it back in and they could reissue  the check. They explained the process could take an additional 25 days. I requested to speak with a manager since this was putting me into a financial hardship. The manager i spoke with agreed with me and explained I would NOT have to fill out an affidavit and a new check would be reissued. I did receive the affidavit in the mail a week later but no check. I was under the assumption from the manager I should be receiving a check so i waited a bit longer. Finally on XX/XX/XXXX I called Wells again and was told by another associate ( XXXX ) that the matter would be resolved and a check would be re-issued. She told me to wait a week or so and call back to verify that it was sent out. I called today on XX/XX/XXXX and again no check had been mailed out. I now spoke with another manager ( XXXX ) and he says there is no way of getting around the affidavit and they will send me another to fill out. My point is they will not allow me to go into a branch to do any of this and now I feel I am jumping through major hoops to try and get my money back. It has been about 60 days now I have been told numerous things from many reps in their retail division but am yet to receive my {$1500.00} back.
Consumer complaint received 2021-04-09
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. (FL)

On XX/XX/2020, I wrote a letter that was mailed certified informing XXXX XXXX XXXX XXXX, Experian and XXXX XXXX of an 'intent to file lawsuit, HIPAA Privacy Violation '. This is regarding medical debt accounts that has not been validated that are still being reported on my credit report. XXXX  has removed those erroneously reports that violates my rights according to HIPAA and my rights to exercise the Fair Credit Reporting Acts but Experian and XXXX continues to report this erroneously information from XXXX  XXXX, which violates my privacy and rights. Again, as per my certified letter written XX/XX/2020, XXXX XXXX XXXX XXXX and XXXX  XXXX  did NOT provide me a HIPAA release that releases my medical information and I am proceeding with legal action as prescribed by law against the credit bureaus and collection agency should these items not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I have been unable to contact anyone at Dovenmuehle Mortgage to discuss my loan after many attempts. They do not answer the phone. Apparently I am not the onlyone having issues. 

XXXX XXXX XXXX This company should be investigated to determine why they have no mechanism for their customers to contact them.
Consumer complaint received 2020-12-01
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: Santander Consumer USA Holdings Inc. (CA)

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : SANTANDER CONSUMER USA # XXXX, XXXX XXXX XXXX # XXXX, # XXXX ( 2 times ). 
Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX ( 2 times ) to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical Information to you.Please Delete Address that does not belong to me : XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ) XXXX UNKNOWN INQUIRIES : XXXX XXXX DUAL CARD *XXXX Interactive * XXXX Branch via 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 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX* XXXX XXXX XXXX* XXXX* XXXX XXXX/XXXX XXXX*XXXX  Interactive XXXX
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The company XXXX has been consistently reporting incorrect information in my comments that account is closed at consumer request They have reporting balances as the account is good standing and never late but refusing to update status to open since is account open with a paid statement every month. This has been going on since XX/XX/XXXX. I receive automated letters saying it will update in 30 to 60 days. This is my 3rd letter of this kind saying that. The last one in  XX/XX/XXXX but XXXX investigated with a reponse that account closed with a Balance deceasing every month.
Consumer complaint received 2021-10-12
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. (PA)

I have taken the time to inform each company that I did not provide anyone my consent to open these accounts and for sure not report them on my personal reports.it has been over 90 days since I asked for these unverified items to be deleted. Personally this is causing hardship and my rights are being violated to the fullest and being ignored is not ok! Please delete these items now.
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

Company claiming to be PayPal texted me saying someone has withdrawn {$450.00} from my account and notified me of transaction. I replied cancel subscription and cancel order " I did not order. 
they called me on my cell number and told me that someone had hacked into my Paypal account and they would help me close the account and credit me {$150.00}, But I needed to give them my credit card so they could credit me for my inconvenience. I felt something not rite with this and they said they could look into it, by conecting into my computer and they could remove me completely from Paypal thru a program called XXXX XXXX 
I did let them do so but later did not feel good about them in my computer and shut down my system and removed XXXX XXXX. 
Today i got on line and look you up and filed a complaint with you ' Please feel free to call me and discuss. 
XXXX XXXX XXXX
Consumer complaint received 2020-06-03
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. (VA)

I don`t recognize these account and inquiries, I have never applied for this. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible
Consumer complaint received 2021-10-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CO)

On the XXXX I received a notice from coinbase saying my bank had reversed a transaction and that I needed to pay them. All ability to send or receive crypto was halted. I confirmed with my bank that no such transaction occurred, I also provided the bank statement to Coinbase. There is no such transaction in my coinbase account, the only mention is the banner across the top of my accounts page and emails stating such from coinbase support. I attempted multiple times to prove that no such transaction occurred with bank statement, image of most recent transactions and a request of proof from Coinbase. 
These facts do not support their claim, 1. no such transaction in my statement 2.no such transaction in my coinbase account XXXX. I mentioned that indeed on their end when I tried to make a purchase of a XXXX dollars it failed due to their side saying my bank XXXX canceled the transaction due to insufficient funds. I then attempted a lesser amount after confirming on the XXXX that I had sufficient funds. 
4. I was charged {$29.00} dollars by Coinbase for returns which were reversed when the bank sided with me on the fact there wasn't a reversal due to insufficient funds 5. I was able that same day to successfully conduct a transaction in the amount of {$780.00} on my ledger wallet account 6. After showing all this today I received an email stating they were having their account department look into it. 

With all this provided and an email from Coinbase making me aware, an investigation was finally being conducted, they went ahead and liquidated my assets later today. 
My complaint is they have provided no proof of the transaction, their very account does not show this and they violated policy for handling debt, by liquidating my assets while an investigation is being conducted.
Consumer complaint received 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (VA)

Trying to sell house and payoff mortgage. Having difficulty in obtaining payoff amount from loan servicer, Fay Servicing. They have used delaying tactics in providing, asking for multiple documents and extended time to respond to request. I am executor of estate, Va. Court qualified, of the original borrower. Fay initially ignored request from law firm handling the closing. The initial request was started in XXXX with a requested closing date of XX/XX/2021 which Fay did not honor.
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account on my credit report that is being inaccurately reported by XXXX XXXX XXXX. The account in question is listed as a closed account, marked as a charge-off/in collections, despite being paid in full and in good standing. This erroneous reporting has been negatively impacting my credit since XX/XX/XXXX, despite the account being closed since XX/XX/XXXX. 

I have taken the necessary steps to rectify this issue by contacting both the credit bureaus and XXXX XXXX XXXX directly. Despite my efforts, the inaccurate information persists on my credit report, unfairly tarnishing my credit history. 

I would like to emphasize that the account in question was settled in full and was never in collections. It is unacceptable for XXXX XXXX XXXX to continue reporting this misinformation, especially given the significant impact it has on my financial reputation. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to ensure that XXXX XXXX XXXX updates my credit report to reflect the accurate status of the account. Additionally, I request that any negative marks associated with this account be removed from my credit history, as they are unjust and unwarranted. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and prevent similar occurrences in the future.