davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I lost my job with the XXXX XXXX and I asked for a loan forbearance. I was In forbearance for XXXX months. I made sure to pay my taxes to make sure it doesn't go into a tax sale. They have no record of me making any payments during my forbearance. I came out of forbearance in XXXX and have been making my payments. I received a letter that they came up with a repayment plan. I have XXXX months to pay XXXX. What was the point of forbearance if they're just going to come up with solution that only benefits them? I called them and asked for an explanation why I was denied a deferral or loan modification. I was told " read the letter, it's self explanatory ''. I asked to talk to someone else and was told there is no one. So, I called back and asked if I could talk to someone and try to work it out..I was told there is no one to talk to. I asked for the lender 's name We can't give that information, we have to request it and mail it to you..they said " to be honest they don't care who you are and won't talk to you. '' SPS is the worst company. They only read the letter you have in front of you and offer no help. They can't give a detailed explanation of how they came up their decision. It's beginning to feel like a fraud, why help homeowners when we can foreclose on their home and make a profit. The XXXX XXXX XXXX XXXX isn't even up yet and it might be too late for many of us.
Consumer complaint received 2020-11-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-05-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

When my car got totaled in XX/XX/XXXX, I had gap insurance to pay for the balance. I called the loan company in XXXX, XXXX XXXX XXXX XXXX ( XXXX ), to ensure that all had been paid off. They informed me that it was and a check would be mailed for the balance. I asked them if they were sure that I was supposed to receive a check because the gap insurance was only supposed to cover the car and nothing extra. They assured me the check was meant for me. They mailed out the check on XX/XX/XXXX. On XX/XX/XXXX, I cashed the check and placed the money into my savings account. 
Fast forward to XX/XX/XXXX. I received a letter from XXXX stating that I owed them the balance of the check they sent me because they had credited the wrong account for the balance. Upon receiving the letter, I had the balance paid off within a week ( XX/XX/XXXX ). I called XXXX to ensure that there would not be anything negative on my credit report due to the interaction and they said there shouldnt be. When I got the update my credit report showed a past due balance, I called them back and they said they would submit my claim and information to their credit reporting team. I could not speak to them personally, but it was decided that because I had not made a payment - due to having a {$0.00} balance up until XXXX when they reversed the check, I was still late. They back dated the account on their end so that they could cover up sending out the check to the wrong person. But, you cant back date a credit report that updated monthly. I asked why they had not called me immediately upon reversing the check and they said that they had but I didnt have a voicemail setup XXXX false information because Ive always had XXXX and there were no missed calls from them at any point either ). I even had to pay more than the original check because they included other fees on the payoff. I also did not receive any emails about the issue, which would have resulted in it being paid off sooner. They didnt send me any information or update my statements either ( see attached ). You can also see on the documents that there was a {$0.00} balance from XXXX when they reversed the original {$1600.00} credit. 

I just spoke with a customer service representative and they shared the more detailed documents with me. Can show proof it came from them if required. 

I tried placing a claim with XXXX and Experian but they sided with XXXX.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The account status on this account is incorrect. This account is too old to remain on my credit file. The date of the last activity is over 7 years old. The account I am disputing is : Account : XXXX - XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2021-05-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When my car got totaled in XX/XX/XXXX, I had gap insurance to pay for the balance. I called the loan company in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to ensure that all had been paid off. They informed me that it was and a check would be mailed for the balance. I asked them if they were sure that I was supposed to receive a check because the gap insurance was only supposed to cover the car and nothing extra. They assured me the check was meant for me. They mailed out the check on XX/XX/XXXX. On XX/XX/XXXX, I cashed the check and placed the money into my savings account. 
Fast forward to XX/XX/XXXX. I received a letter from XXXX stating that I owed them the balance of the check they sent me because they had credited the wrong account for the balance. Upon receiving the letter, I had the balance paid off within a week ( XX/XX/XXXX ). I called XXXX to ensure that there would not be anything negative on my credit report due to the interaction and they said there shouldnt be. When I got the update my credit report showed a past due balance, I called them back and they said they would submit my claim and information to their credit reporting team. I could not speak to them personally, but it was decided that because I had not made a payment - due to having a {$0.00} balance up until XXXX when they reversed the check, I was still late. They back dated the account on their end so that they could cover up sending out the check to the wrong person. But, you cant back date a credit report that updated monthly. I asked why they had not called me immediately upon reversing the check and they said that they had but I didnt have a voicemail setup ( false information because Ive always had one and there were no missed calls from them at any point either ). I even had to pay more than the original check because they included other fees on the payoff. I also did not receive any emails about the issue, which would have resulted in it being paid off sooner. They didnt send me any information or update my statements either ( see attached ). You can also see on the documents that there was a {$0.00} balance from XXXX when they reversed the original {$1600.00} credit. 

I just spoke with a customer service representative and they shared the more detailed documents with me. Can show proof it came from them if required. 

I tried placing a claim with Transunion and XXXX but they sided with XXXX.
Consumer complaint received 2018-02-26
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. (IL)

I filed Bankruptcy onXX/XX/XXXX. However, Experian is still listing companies as debts that appeared in my Bankruptcy such as XXXX XXXX. It also listing XXXX XXXXXXXX as a closed account when in fact it was paid off by XXXX XXXX inXX/XX/XXXX
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Specialized Loan Servicing LLC purchased my mortgage from the original mortgage company. Then in XX/XX/2019 I refinanced with a Bank. They paid off Specialized Loan Servicing but they fail to record a lien release on my property. It has been 1 year and it is still not recorded. I have called dozens of times, sent them title work showing their Lien is still on the property along with new mortgage. They do not help and answer no question. I have no proof that they are actually sending out a lien release to the county. This company should have their license taken away.
Consumer complaint received 2017-12-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (IA)

I logged into Quicken Mortgage portal to make my XXXX Mortgage payment, the website and app are requiring a new mortgage application be submitted. There is no option to skip this in the process. Part of the forced mortgage application is asking for personal financial information and having credit re-pulled. I am not interested in a new mortgage, I just want to pay my existing mortgage. When we got our last mortgage, if we were to complete the application process, our rate would increase thus hurting us financial. When I reached out out to Quicken tonight ( XXXX XXXX ) through their online chat, the response was, we have a new system and please call in. Since it is after business hours, there is no one to respond to. This process is wrong and there is no resolution by the company. I am trying to make a payment by the allowed methods through quicken and they are trying to force a mortgage app. This is not ethical and I question the legality.
Consumer complaint received 2024-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (SC)

I was paid {$90.00} for giving a friend a ride and the friend paid me on Venmo. I had stopped using XXXX federal credit union so I had to add a new card in order to access the money. When I added the new card Venmo froze my account for 15 days but added the payout method I provided to the account. Then yesterday Venmo unfroze the account and I tried to transfer the money but Venmo will not transfer the money and the bank I added will not accept money from Venmo. Venmo will not let me send the balance to a friends Venmo account who can put the money in theyre bank and give me cash so I was forced to add another debit card to the account to try to transfer the money on and it froze my account again. They are doing this on purpose to hold peoples money as long as possible and they will keep it going forever theres countless stories on XXXX of people trying to access theyre money for over a year and just giving up on it. Please help me
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MA)

I have reached out to Midland Funding ( Encore Capital Group ) regarding a debt from an XXXX Credit card that was sent to XXXX XXXX  for collection. The debt was for XXXX XXXX  in the amount of {$1100.00}. The original account number was XXXX. My Midland Funding Account XXXX was XXXX. For some reason thay have changed this to XXXX. 

I paid the collection in full to XXXX XXXX ( XXXX ). XXXX XXXX received the new amount due {$1200.00} on XX/XX/XXXX. I received the receipt for the payment on invoice # XXXX. A letter showing the payment was made and a copy of a letter sent to the court to show the payment was made. I contacted Midland Funding and they redirected me to XXXX XXXX. I called back and spoke to someone who said they would reach out to XXXX XXXX and my credit report would be updated in 30 days. 

When the credit report was not updated I contacted Midland Funding and received a voicemail. I left 3 messages that were not returned. I disputed the collection with the 3 credit bureaus but was told I did not have enough information to have the collection removed. I contacted Midland Funding again, who tried to send me back to XXXX XXXX. They said that still have not received the letter from the law office, but will reach out to hem, once again. They will not let me send them the receipts. They claim these must come from the law office and when they are received my credit report will be updated. They claim to have reached out to XXXX XXXX twice already with no response. 

I contacted XXXX XXXX. They claim to have sent the information to Midland Funding. I contacted Midland Funding on XX/XX/XXXX via chat and spoke to XXXX XXXX. I was told a Cease and Desist was placed on my account and forwarded to another number. I spoke to XXXX XXXX who would not provide a last name ) at XXXX am XX/XX/XXXX who had me remove the Cease and Desist claiming I placed this on XX/XX/XXXX - which I did not do. I did however speak to XXXX XXXX at XXXX XXXX who told me that would reach out to Midland Funding that day to correct the issue. 

XXXX consistently spoke over me and I requested a manager. Then XXXX informed me that they had reached out to XXXX XXXX twice, it is in my records, but they have not received anything from them. After asking repeatedly what happened in that correspondence and told me they have been having technical difficulties and they are missing a code. I explained that I understand technical difficulties but 2 months, 10 phone call and 2 chats should have resolved this and I wanted to speak to a manager. He told me no mangers were available and I could call back in 1 hour.
Consumer complaint received 2021-05-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC (TX)

I was contacted more than a year after I visited XXXX, XXXX by Cedars Business Services,, a debt collector out of XXXX, CA. I was informed that I had committed a traffic infraction and that I owed {$440.00}. I received no citation or knowingly committed any traffic infraction while in XXXX. 

Cedars Business Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA. XXXX, is File # XXXX, Creditor : XXXX XXXX  XXXX, Creditor Account # XXXX, Principal : {$440.00}. Phone # XXXX. 

My grandfather, XXXX XXXX was with me in the rent car that is at the center of this scheme. Since he was present during rent car event, he is assisting me to resolve this problem. 

It appears that there are license plate readers that pick up the plates from the rent cars throughout the city. The license numbers are bounced around the city for a year or so picking up additional fines and fees. 

The city is then provided the driver 's identity by the rent car company and the case is turned over to Cedars Business Services. Cedars Business Services places a hit on the persons credit records and then attempts to collect the bogus debt.
Consumer complaint received 2019-08-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

I have an auto loan account with Santander Consumer USA. I Checked my account statement online for the last 6 months. accounting information regarding my loan is incorrect and shows a higher amount due than what is actually due at this time. possible money laundering and fraudulent activity happening as money is not accounted for based on statements they have provided which do not match my financial statements from bank and accountant. Spoke to FBI to report suspicious activity and was advised to also file a complaint with attorney general of NY and TX including IRS. Also requested all statements regarding my auto loan to be sent via email/ mail and employee stated they " delete files and only keep items for one year" which was recorded on phone line.  Statement given by Santander Consumer states I owe total amount of $XXXX as of XX/XX/2019. Accountant stated I should only owe a total amount of $XXXX as of XX/XX/2019. The amount of $XXXX has been conclusive to not be accounted for that should have gone towards principle amount due. Some statements produced by Santander are blank. Statements also show on several occasions total amount of monthly payment went to interest only. Based on a fixed rate stated in contract that can not be applicable.
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

While checking my Transunion credit report I noticed a name that differs from mine and addresses of states and places I've never lived. For instance there are reports of me living at two different addresses in California.  I've lived my whole life (almost 60 years ) in Virginia. Please advise me on how to correct these mistakes.  Thank you
Consumer complaint received 2021-12-03
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. (AZ)

I XXXX the natural person continue to be a victim of fraud upon the US department of Education unauthorized use of personal information, damaging and willingly, my character and privacy overall. I have sent in numerous complaints and fraud and theft reports regarding this matter and this loan servicer.. for the record US Department of Education XXXX XXXX had no permissible purpose, thus my written consent to report on my consumer report, for the record. For the record, XXXX has admitted to selling yet again my information to XXXX. This account has been in investigation far over 60 days with the CFPB as well as third party credit bureaus such as XXXX and XXXX XXXX. XXXX XXXX Assistance continues to appear and reappear, This is by far a violation of my Constitutional Rights. XXXX XXXX XXXX XXXX XXXX an account opened fraudulently, thus without my written consent to report in regards to COLLECTION a debt pursuant to 15 U.S. Code 1681 B. 15 U.S. Code 1681 ( a ) ( e ).
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (IL)

So i opened this account in the fall BMO banking, didnt have any issues until XX/XX/2021 i received a promo incentive from bmo apparently it was for opening an account with them, ( XX/XX/XXXX had been sent with XXXX to my other account ( XXXX  XXXX XXXX on XX/XX/XXXX however when the money had already been used, a transaction from for reversal promo was made an it brought my account to negative {$200.00}. The promo I received was {$200.00} After receiving that i was then charge an overdraft fee every business day since start XXXX XXXX XX/XX/XXXX Which then they proceeded to close the account Account was closed apparently an sent to collection to XXXX  on XX/XX/XXXX th I then received a deposit of XXXX with unknown deposit date as am not allowed to look at that since my checking was close but am able to look at my balance also spoke to someone XX/XX/XXXX from BMO customer service number called XXXX XXXX ( XXXX ) XXXX XXXX & they told me they see the deposit but i can not access it because checking is closed & why am i being denied my money even doe they close this account any money received is being held. They are not allowed to give me my money but accept transactions. When its there money i get charged an OVERDRAFT fee everyday which i will have to end up paying, but they are currently holding XXXX an more money incoming the following month. Can i get some help or a better understanding thanks for your time.
Consumer complaint received 2024-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Credit Acceptance XXXX XXXX XXXX on a continuous basis his my tru balance and continue to charge me fees that Im not sure I should have been charged. Repossession was on the regular and I would pay the ridiculous amount to get the back just for them ti repossession it and demand the remaing balance of the loan