davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MD)

In XX/XX/XXXXI had a XXXX phone belonging to my son and myself. XXXX was very nasty at the time, I ignored them keep from having a XXXX or XXXX XXXX at the time. I sent payments to them for this account, in which they told me they had applied the payments to another account I had with them. I was really angry, so I stopped paying them back in XX/XX/XXXX. It fell off of my credit report with XXXX after 7 years. Then XXXX after 8 years and the limitations were up ( the 7 years ) sold the account to Enhanced Recovery in XX/XX/XXXX. How could they sell the account after it was past 7 years. Anyway, I tried to pay XXXX again, and the cost had increased a lot from what I originally owed them, and that is where we are now, I am told that since they sold this account, Enhanced Recovery can use it as a new date of XX/XX/XXXX. So now its been almost 14 years that this account has been in existence. I would like to know if you can help me at all. I hope you can understand what I am writing, it seem very unfair, if XXXX sold it before the 7 years, I could understand a little better, but it was well after. I am XXXX years old next year, and I ca n't fight this by myself. Thanks and have a great day!
Consumer complaint received 2017-11-14
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: GFS II, LLC (MI)

On the XX/XX/XXXX I submitted a request via telephone to XXXX credit report agency regarding several inaccuracies on my credit report which I requested that they verify and or delete during this investigation that I requested with them. I received a letter dated XX/XX/XXXX in which XXXX 's response to my request is that XXXX 's response is the accounts are verified as accurate and updated there is one revolving involving enhanced recovery company and another regarding XXXX XXXX XXXX which is listed as verified as accurate. Which can not be true because that was a car loan I sold the car in XX/XX/XXXX so there is no way that during the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I  would be 30 60 and 90 days past duebecause I purchased a new vehicle and the financial institution paid off the old loan. XXXX is not doing anything to assist me in this matter. And therefore I formally am filing a complaint thank you.
Consumer complaint received 2024-05-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

I have 2 prepaid American Express Gift Cards in the amount of {$100.00} each. 
I checked the balances at amexgiftcard.com and they both show full balances of {$100.00}.

I have screenshots. See attached. 
I have tried to use these cards online at XXXX, starbucks.com, and verizonwireless.com. I am sure I tried them elsewhere, but those are the three that I recall. Local business will not even run them because they are " troublesome ''. I also tried to add them to my XXXX XXXX but they were declined. Most commonly the error I get is that there is an issue with the security code. 
I have spent hours and hours trying to get these to work but have had no success at all. 
" Customer service '' is useless. 
This complaint is for card XXXX.
Consumer complaint received 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

My loan was transferred from TIAA to XXXX XXXX on XX/XX/XXXX. I received a letter from Everbank on XX/XX/XXXX stating that wind insurance was required for our loan. This has not previously been a requirement for our loan and was not disclosed when the loan originated. I called Everbank to ask about this requirement. They stated that they had already purchased a wind insurance lender placed policy. I informed them that they had not provided me with the federally required 60 days notice and two written notifications. They acknowledged that since they 've only owned/serviced my loan for 14 days that they were in violation of this requirement. However, when I ask for the lender place policy to be removed they refused and stated that they would submit a research request that would take 15 days. I then informed them that I already have wind coverage under my main XXXX homeowner 's policy. On a 3 way phone call with Everbank, XXXX confirmed to Everbank that we already have wind coverage. I again asked for the lender placed policy to be removed and they again refused stating that I had to wait 2-5 days for the fax from XXXX confirming coverage to be processed and then 15 days for the research request. I spent 3 hours on the phone trying to remove an illegally placed and unnecessary lender placed insurance policy. This is abusive lending.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

While depositing checks at a Bank of America ATM on XX/XX/XXXX, the ATM malfunctioned and the funds were not deposited. It was 34 checks totaling over {$3000.00}. I notified the appropriate people at Bank of America and they started a claim. I was then sent a letter dated XX/XX/XXXX notifying me that they found only {$580.00} dollars and they closed the case. I called to correct the issue and the representative said the scans of all 34 checks were anvailable and someone cant add. She reopened the case and assured me the mistake would be corrected. I called again on XX/XX/XXXX to check on case and they had closed it, saying only four checks were found. I know for a fact I deposited 34 checks and they were scanned by the ATM. I called again later that day and a different representative reopened the case and told me to check back on XX/XX/XXXX. I am concerned that they will not deposit the funds. Due to incompetence on the part of Bank of America employees and the malfunctioning ATM, I am at a loss of thousands of dollars.
Consumer complaint received 2017-11-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

Hello m name is XXXX XXXX, I am trying to deny all medical collections on credit reports. They are also duplicated numerous times on my credit report. I would like to know how I go about fixing this problem. From my understanding all medical issues should not be on my credit.
Consumer complaint received 2017-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I do n't have an account with Capital One which has sent an account listed in my name to an Attorneys office for collection. 

This account was written off 2 years ago according to the letter attached with Capital One. This account was opened " online '' which was not by me, therefore, Capital One does not have a signed contract from me.

Capital One has agreed to Cease and Desist their collections. 

However, I just received a notice from : XXXX XXXX, XXXX XXXX XXXX XXXX OF XXXX, STATE OF NEVADA regarding Capital One Bank vs XXXX XXXX. 

They want to file a Default Judgment on me. 

This is not my account. 

Capital One has Ceased all collection activity.
Consumer complaint received 2024-05-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

I have XXXX prepaid American Express Gift Cards in the amount of {$100.00} each. 
I checked the balances at amexgiftcard.com and they both show full balances of {$100.00}. 
I have screenshots. See attached. 
I have tried to use these cards online at XXXX, XXXX, and XXXX I am sure I tried them elsewhere, but those are the three that I recall. Local business will not even run them because they are " troublesome ''. I also tried to add them to my XXXX XXXX but they were declined. Most commonly the error I get is that there is an issue with the security code. 
I have spent hours and hours trying to get these to work but have had no success at all. 
" Customer service '' is useless. 
This complaint is for card XXXX.
Consumer complaint received 2019-10-28
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: Colony Brands, Inc. (NY)

ON XX/XX/19, I INITIALLY SENT LETTERS TO XXXX XXXX XXXX AND XXXX XXXX  DISPUTING A DEBT BEING REPORTED TO THE CREDIT BUREAUS AND FOR THEM TO VALIDATE THIS DEBT. ON XX/XX/19, THEY RESPONDED WITH A PRINTOUT TRANSACTION SUMMARY FOR WHICH I SENT SUBSEQUENT LETTER ON XX/XX/19 DEMANDING THT THEY PROVIDE ME WITH ANY VIABLE EVIDENCE THAT THESE ACCOUNTS WERE MINE ( ie. SIGNED CONTRACT or ANYTHING BEARING MY SIGNATURE ) THAT GIVES THEM THE RIGHT TO COLLECT FROM ME OR REPORT THIS DEBT AGAINST ME. TO DATE THEY HAVE NOT DONE SO OR REFUSE TO. I HAVE NO RECORD OF EVER DOING BUSINESS WITH THESE COMPANIES AND HAVE DISPUTED THIS ALSO WITH THE BUREAUS, BUT THEY KEEP RESPONDING THAT THE DEBT IS VERIFIED WITHOUT OFFERING THE PROOF OF HOW THIS DEBT WAS VERIFIED. I HAVE REPEATEDLY ASKED THAT THE DEROGATORY INFORMATION BE DELETED AS THIS IS CAUSING SIGNIFICANT FINANCIAL HARM TO MY QUALITY OF LIFE AND IT WAS LAST YEAR AND SUBSEQUENTLY REINSTATED THIS YEAR WITHOUT ANY PRIOR NOTICE. THE REPORTING OF THIS DEROGATORY AND INCORRECT INFORMATION IS DETRIMENTAL TO ME AND MY FAMILY 'S QUALITY OF LIFE AND I REQUEST YOUR FURTHER ASSISTANCE IN HAVING IT REMOVED AS ALL MY PREVIOUS REQUESTS TO THE BUREAUS AND THESE TWO COMPANIES HAVE BEEN BLATANTLY IGNORED. PLEASE NOTE THAT XXXX  HAS CHOSEN TO STALL THE PROCESS BY SENDING ME A LETTER ON XX/XX/19 REQUESTING I SEND INFORMATION TO VERIFY MY IDENTITY. THAT WAS DONE ON XX/XX/19 BUT ON XX/XX/19, THEY SENT ME THE SAME LETTER REQUESTING THE SAME INFORMATION AGAIN. THIS IS PAST THE 30 DAY WINDOW THAT THEY ARE REQUIRED TO CONDUCT THIS INVESTIGATION. XXXX RESPONDED TO MY SECOND LETTER WITH TWO POSTCARDS STATING IN SOME INSTANCES THEY ARE ABLE TO DETERMINE WHETHER DISPUTED INFORMATION SHOULD BE DELETED OR CHANGED. HOW CAN THAT BE, IF THE INFORMATION IS WRONG?
Consumer complaint received 2017-11-14
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. (FL)

I 've submitted a complaint twice and I need to get this issue resolved. I have a inquiry that I did not allow to be on my credit report. I 've called and reported and no one has been helped.
Consumer complaint received 2017-07-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Coastal Credit, LLC (PA)

On XX/XX/XXXX I received a letter from Coastal Credit LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX Tel : XXXX. I and {$1900.00} left on my loan with them after my vehicle was totaled in a car accident on XX/XX/XXXX from a lady running through a red light and XXXX XXXX XXXX. Coastal Credit stated in letter if I paid 40 % of the {$1900.00} which is {$1100.00} as in letter. <P/>When my insurance ( XXXX XXXX ) learned that I was not salvaging my car they sent over {$1000.00} to Coastal Credit LLC. I then phoned Coastal Credit on XX/XX/XXXX and spoke to a Supervisor XXXX XXXX ( I think that is how you say or spell his name ). I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. <P/>Anyway when I called Coastal Credit LLC on XX/XX/XXXX and said I would like to pay remaining on settlement offered which expired on XX/XX/XXXX.  Coastal Credit supervisor XXXX said I had to pay 40 % on whatever was left on XXXX XXXX and something instead of what was offered in letter. Letter said one thing and Coastal Credit did another thing.
Consumer complaint received 2017-11-14
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp (MI)

XXXX of 2017, I was contacted by a company saying they could consolidate my student loans and help get a lower student loan payment. After signing paperwork I was told that they would file paperwork to the US Department of Education. They also told me not to contact my student loan company as they would try to talk me out of this program. This company then rushed me through a contact signing me with the company Equitable Acceptance. After realizing the originally company promising me student loan help was not doing what they promised, I attempted to contact the company which I was unable to do. I then contacted Equitable Acceptance saying I wanted to cancel any services with them and this other student loan scam. They then told me that in the paperwork I signed I only had a three day cancellation time frame and since I am far beyond that, I was going to have to pay them the {$1300.00}. When I tried to explain the situation with the student loan assistance I was told that there was nothing I could do and that I was going to have to pay or it would count against my credit.
Consumer complaint received 2017-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

Years XX/XX/XXXX & XX/XX/XXXX I have tried multiple times to contact this place in addition to the credit bureaus to let them know that I am not responsible for this debt I have been a victim of identity theft My car was stolen in XX/XX/XXXX, my home was vandalized in XX/XX/XXXX among other issues I encountered with my taxes where someone tried to file an amended tax return in my name This Place XXXX XXXX will not budge and continue to say I owe them the money when I did not sign up for any school or education assistance with them The Credit Reporting agencies does not believe and will not remove it I did not even receive any kinds of billing which would have alerted me earlier than when I first found out
Consumer complaint received 2017-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Navient has serviced my student loans for sometime now ; initially I wanted to consolidate to have one payment monthly at a low rate, instead, I received a higher interest rate than my original loans. I inquired as to why and was given a text-book response.
I inquired about ways to pay off my loan faster without breaking the bank and was put on a plan ; only to realize that the rate at which the interest rate increased was extraordinary. When I ask why the interest rates continuously increased, the respond was due to the plan I had selected. I made a large payment a few months ago, with the hopes my principle would decrease, only to realized just a few months later, it has increased more than what it was before making the payment. I was told that the department of education assisted with the interest rate and had calculated the assistance in addition to my payment, hoping it would decrease the balance, but it did not. I called Navient about a week ago and requested a breakdown of my loans and payment and balance- the rep responded that she could not provide the information because the system did not allow her to. I was furious - a financial institution in 2017 has systems that does not provide customer balances and history- they finally said the report will be mailed out ; as of todays date XX/XX/17, I have yet to receive any documentation explaining my loans, payment and balances, and the interest continues to grow! I 'm worried, i 'll never start my life or plan for a family as long as this issue looms. I do not trust Navient- I feel I 'm stuck!
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I would like to submit a formal complaint for Experian Credit services. I have over the last few years tried to correct issues on my credit report and they have continually not rectified the issue which is causing great strain in my life. I have attached below the most recent letter I have sent them and they have never responded to any of my letters regarding the a verification on accuracy of any of the accounts. This would not be according to current law allowing any items in question to be verified if requested. They have not provided any documentation or anything regarding the issues. Please assist. Thank you,
Consumer complaint received 2021-08-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I contacted TransUnion on XX/XX/2021 to ask them to dispute inaccurate inquiries on my credit file. After being on the phone for almost an hour, the representative refused to submit a dispute. Under FCRA I have the right to dispute anything on my credit file that I feel is untrue and inaccurate.
Consumer complaint received 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC (CA)

In XX/XX/XXXXXXXX XXXXXXXX XXXX called me up and said i was pre-approved for a mortgage refinance. We talked briefly and he requested a credit card to pay {$250.00} ( half of the appraisal fee ). I was charged {$250.00} on my XXXX  in XX/XX/XXXX and no one called me to schedule the appraisal. I then called XXXX XXXX XXXX in XX/XX/XXXX and asked if my loan application was moving forward and requested to be contacted by the appraisal company to schedule, i was never contacted. Then a letter in XX/XX/XXXX from XXXX XXXX arrived disclosing that I am not approved for the Loan and XXXX XXXX XXXX is not responding to email, text or call.
XXXX XXXX XXXX  nmls # XXXX XXXX XXXX XXXX  XXXX XXXX Senior Mortgage Specialist p. XXXX x.XXXX f. XXXX  XXXX nmls # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2017-07-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MD)

They do n't have the right to collect in the state I reside in which is the state of Maryland. The address that comes up on my credit report is  XXXX , FL. Also, on my credit report the full does n't appear either. It says Enhanced Recovery Compan instead o f Enhanced Recovery Company.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

These Items have been inquired without my permission. 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

I have contacted XXXX and experian on the chapter XXXX bankruptcy that is currently on my credit report. They told me that the public record can not be remove from my credit report file. The Chapter XXXX bankruptcy has been discharged and should have been remove from my credit report. They are telling me that they have to wait on the XXXX XXXX Court to tell them to remove the Chapter XXXX bankruptcy. The court is telling me that they only deal with filing and discharge on the case. I am needing this remove from my report do to it is over 7 years old.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (KS)

I have accounts that have been disputed and I have never gotten any reponse back have sent tin police reports and everything needed and nothing has changed. I have disputed several items and they are still on reports. some of which are fron many years
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. ()

I'm trying to get my free credit report but the site is not working and gives me an access denied error. I've talked to some representatives and they said to file a complaint. I'm living overseas right now so I think I'm being XXXX blocked. 

I'm also having trouble getting my free XXXX score as most sites require a sign up and a XXXX phone number, which I don't have. 

I have the same issue trying to verify my IRS account... is there a way around this? 

How can I get a valid XXXX phone number overseas ( XXXX )? A lot of sites seem to require it. I'm unable to apply for banks, credit, loans, etc.
Consumer complaint received 2017-11-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NC)

We fell behind two to three payments, we had to take a XXXX payout because Im XXXX. Husband being in the military we only make so much each month. He has gotten phone calls 9 times a day almost 7 days week, customer service has cussed at him several times, we told them we wanted split the payments up between the paychecks, they would not work with us, they have even threatened repossion numerous time even though we keep sending money. Their intrest rates are completely criminal, XXXX XXXX or higher. They have told us we owe 80 days past due when were only two month behind. They say we owe almost XXXX and some change, we been trying to work with them to get a payment assistance help, they wont help give any kind of breathing room, Im veteran and my husband is active duty and were only working off his income right now. Santanderconsumer USA has been unprofessional and has not been running a good business if you check the reviews on google hardly anyone has anything good to say about them.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (VA)

I never made this electronic purchase using my phone, I reported it to Apple Credit Card Goldman Sachs Bank USA, I spoke with the seller, the XXXX company, and they told me that they couldn't give me information, but they told me that they bought the tickets but that no one had them. I used it, I told them that I had not bought anything with them, and that it was fraud, I asked them to show a signature of mine or a document that I had accepted or done this and they told me that I did not have it, the bank does not help me repay this and they told me they make the charge. By law, the bank must show that I accept or sign that I purchase this document.