davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-04-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NY)

I already put a complaint in but nothing got fixed. Ill start from the beginning. 

In XX/XX/2020 we bought our first home with a VA loan through XXXX XXXX. We had them for a couple of months and then our loan go switched over to XXXX XXXX. I was XXXX in XXXX due to COVID and we had to apply to get us through for a couple of months until I found work again we made our XXXX and XXXX payments, and asked for XXXX, XXXX, and XXXX off, and returned to making our payments. Everything was fine. We were then sold off to BSI Financial. They instantly starting sending us forclosure messages and saying we owed them thousands of dollars, we slightly got that issue fixed but nothing has been good since. We have made our payments to them since we have been with them, they statements are all messed up, rates going up and down, there data is completely messed up saying we owe thousands in taxes one month and then a bunch in Escrow for another month, and never applying ANY of our payments towards our balance. I have looked into these people and realized this is not the first time they have done this. This company should be closed because of how they have effected so many lives and have there data completely messed up. They must not have correctly looked over the loan when they recieved it because we went back to making payments. They fixed our credit, barely, but are saying we owe them thousands of dollars still? They are stealing our money and not applying it towards anything. 

I will be attaching their statements, ( that make no sense ), and our statements from our bank account that have proved we have paid. We have always paid the same roughly in our mortgage and that price should not have changed, or if it did we were never notified about it. However we speak to a person every time we pay because they wont let us pay online. ( which is extremely suspicious ) We would really like to get out of this situation and see BSI shut down. I know this is effecting other people, and they have already been in trouble for very similar situations. How are they allowed to do this. 

They are currently saying we need to pay them {$23000.00} They also send us a loan modification for {$8000.00} dollars more then we even paid for the house! 
We have been making payments every month, for 2 years besides the three with XXXX that got pushed back to the end of the term. It looks like we havent paid anything on our mortgage since we got it. This also means they have not looked at XXXX or XXXX XXXX to see all of our payments. 
We really need CFPB help on this.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (WI)

Acct # XXXX XXXX XXXX XXXX Amount {$3000.00} I have sent multiple correspondences by certified mail to settle this debt without any written agreement or resolution from Wells Fargo. 

According to the information given to me by Wells Fargo, the date of the last activity on this account was XX/XX/2016. 

The statute of limitations on this debt is six ( 6 ) years in the state of Wisconsin. This debt is out of the statute of limitations and is no longer collectible. 

Wells Fargo has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the debt to the credit bureaus.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AR)

EFFECTIVE TODAY ALL PARTIES LISTED MUST CEASE REPORTING ANY OF MY DATA IN DATA BASES, NO AUDIT TRAILS NO MORE CREDIT REPORTING AT ALL OR FACE A XXXX DOLLAR LAWSUIT.
Consumer complaint received 2020-01-21
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: EQUIFAX, INC. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2018-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am providing information that the State Bankruptcy Court does not report to any of the 3 Credit Bureaus. However, TransUnion, XXXX  and XXXX all are reporting these State Bankruptcy Court proceedings, on all 3 of my credit reports. I am requesting that these State Bankruptcy Court Reportings be IMMEDIATELY REMOVED, from my TransUnion, XXXX  and XXXX  Credit Reports.
Consumer complaint received 2021-07-14
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. (NJ)

These accounts appeared to my credit report and I do not know who these accounts belong to : XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2021-07-14
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: EQUIFAX, INC. (NJ)

These accounts appeared to my credit report and I do not know who these accounts belong to : XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (PA)

I have a XXXX XXXX account on my credit report thats an negative mark i believe its fraud i do not recall working with that company or giving them my info Im trying to build my credit and this report is in my way i would love if it can be disputed thank you.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

Equifax is reporting multiple inquires that do not belong to me. I had never made any inquiries on these accounts. Please see accounts listed below : 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 ; and XXXX  XXXX. 
XXXX is also falsely reporting multiple inquiries as well that do not belong to me. I had never made any inquires on these accounts. Please see accounts listed below : 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 XXXXXXXX XXXX  XXXX ; XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX  XXXX ; XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. I do not recognize ANY of these accounts and have never made an inquiry to these creditors. This multiple reporting of inquiries that are not mine is seriously harming my credit score and these items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2018-07-27
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. (GA)

My identity was stolen last year, I noticed that there were many accounts open throughout last year that I did not open, I disputed everything with XXXX   and Equifax and they keep denying my dispute stating it is accurate when it is not at all accurate.
Consumer complaint received 2017-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (DE)

To whom I may concern, On XXXX, I XXXX XXXX XXXX received a copy of a refund check for {$780.00} from XXXX XXXX XXXX made out to the Estate of XXXX XXXX XXXX. On the back of the refund check, XXXX XXXX endorsed the check to deposit in her personal savings account at M & T Bank. I contacted a representative of M & T Bank at XXXX, and she did not know the policy and procedures if an Estate check can be deposited.in a personal savings account. XXXX XXXX XXXX at Register of XXXX ( XXXX ) in Delaware gave explicit instructions that an estate account for the Estate of XXXX XXXX XXXX must be established at a bank with all three co-administrators must be present at the same time. All three co-administrator names must be on the estate account, so any transactions for the Estate of XXXX XXXX XXXX would require three signatures. XXXX XXXX XXXX XXXX XXXX have refused since XXXX to meet with me at any bank to establish an estate account. On XXXX, XXXX XXXX and XXXX XXXX went to XXXX XXXX in XXXX, DE and liquated XXXX XXXX XXXX XXXX 's personal checking and savings accounts, but did not establish an estate account. 

I am requesting M & T Bank to freeze the {$780.00} refund made out to the estate of XXXX XXXX XXXX that was deposited in XXXX XXXX 's personal savings account. M & T Bank can schedule a appointment date and time when all three co-administrators can meet at M & T Bank to establish an estate account. As an alternative, remedy, M & T can issue a check for {$780.00} for the Estate of XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX DE XXXX, M & T Bank should follow all State and Federal regulations and compliance for a estate account, since there is a great distinction between a estate account and a personal checking and savings accounts, especially when there are three co-administrators. 

If possible, I would like a copy of the policies and procedures pertaining to an estate account at M & T Bank. If there are any additional questions, please do not hesitate to call me at XXXX. Secondly, XXXX XXXX 's personal savings account number is XXXX.
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (WA)

I have invested over a XXXX dollars in cryptocurrency on Binance.XXXX. After a bank issue ( in which the missing funds were promptly replaced ), my account has had its trading/withdrawal functions revoked. I have provided all the required ( and invasive ) documentation and verification for their Deposit Appeal process, and I do not own BinanceXXXX any money, nor have I - for weeks now. 

Like hundreds of others XXXX XXXX, XXXX XXXX, my funds are still locked - weeks after replacing the relatively small sum of funds that never transferred XXXX something like {$760.00} XXXX. And my account is still less useable than a paperweight. I believe Binance.XXXX is selectively scamming people, and they still believe that they can get away with it. Our community is growing, and angry. Many people have lost much larger opportunities than myself, and have lost access to accounts with larger balances. I've seen a comment/post about one particular user who claims their 5-million-dollar account is still locked ( and has been for longer than my own ). 

I don't know what to do. I've started a Discord server for the community to gather on, contacted XXXX, tweeted @ every possible member of the Binance team that could see it, sent in weekly support tickets ... It feels like their support team is not just slow, but nonexisistent. Anyway, A LOT of people need help right now due to account issues with Binance.XXXX 

Here are my XXXX case XXXX : # XXXX ( XX/XX/XXXX ), # XXXX ( XX/XX/XXXX ), # XXXX ( XX/XX/XXXX ), # XXXX ( XX/XX/XXXX ) The email address associated with my account is " XXXX '' Thank you very much. I was motivated by our # XXXX XXXX to share my story with the CFPB, and I hope this can help out someone else too. I think this is happening to a lot of people, and I'm not sure how many are actually taking it seriously XXXX other than the 351 subscribers of the XXXX subreddit created one month ago, and a couple other small online gatherings )
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

THE XXXX XXXX is furnishing incorrect information to Experian that is causing my estate harm. As the trustee it is my job to ensure the heirs to the estate or not harmed. The XXXX XXXX received an application which is a financial asset for the bank and it used as the collateral interest for the notes paid out to the national bank. Since the estate owns all interest, titles, and certificates using the note that is attached to the application for profits is misuse. Since the note is pooled together and sol The XXXX XXXX and XXXX owe the estate.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX, i have sent certified letters to XXXX asking to have fraudulent inquires removed to no avail. i requested proof of signature giving permission to pull my credit no one has supplied that nor has the creditor. they still continue to report them. i have sent several complaints
Consumer complaint received 2019-11-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (DC)

the vehicle had several issues and I ended up being unemployed, I am deaf so I have to use a relay service interpreter to call and I was repeatedly hung up on by ignorant customer service mistaking it for a phone solicitation calls, I eventually emailed the customer service informing them they could repossess the vehicle and we could work out the balance. I received an automated reply that they would respond within 10 days, they never did. I was living with my father so I could not park it in the community so parked it at a public lot. after several months later repossession trucks showed up and I informed them of the location. the repossession company ended up continuing to come to my fathers house harassing him about the truck, we neither have possession of the truck or have knowledge of when/who the repossession took place. my father called several times and they repeatedly told him that they could only talk to me even after several times explaining that I can not hear or talk on the phone. I have recently learned that Westlake financial has faced several lawsuits, even class action lawsuits, I would like this resolved/removed without having to go through a lengthy lawsuit as everyone else seems to do. this is an absolute terrible company to work with
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (VA)

When I first closed the account I had a balance of XXXX  dollars...upon adding up al the payments made it's over that...and now they are saying I owe XXXX something to them....that is not true...I have paid them off already and I'm not willing g to pay a y more and they just keep adding interest and fees to it. I have not used the card since the account was closed...I through out the card...then 

they call and threaten you 

with legal actions against 
you and talk very smart and 
down to you. This is comiety bank
Consumer complaint received 2017-12-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Southern Loans, Inc. (NC)

My payment is due by the XX/XX/XXXX of each month. Realizing I could not make the payment this month, I called XXXX ( XXXX ) XXXX, to let her know that I 'd make a double payment next month. This is the first payment I missed. I called XX/XX/XXXX. It 's XX/XX/XXXX and I 've had over 5 calls. 3 just this morning. They are calling my mothers phone yelling out XXXX and hanging up. My mom calls back to find out who they are and it was Southern Loans. It 's childish and Inc all for especially since I called them. In return they started calling me the next day as if my situation would change.
Consumer complaint received 2019-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (NC)

First Point Collections has been harrassing me for years about medical bills that were COVERED BY MY INSURANCE!!! I used to have this conversation with them often, until I eventually got tired of saying the same thing over and over again. All of my medical bills with this company have been paid through my insurance company. At one time it was XXXX XXXX XXXX, and the other it was XXXX XXXX XXXX XXXX. I have never NOT had coverage, and I know that these are covered expenses, as they have told me they were " lab fees '' These accounts should be removed from my credit report unless they can provide proof that the services were not paid.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian and XXXX continue to report inquiries that I do not recognize and did not authorize. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2021-07-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Compass Recovery Group, LLC (MA)

For two and 1/2 years I have tried to settle a debt with XXXX as I am XXXX and had no income at all. 
Compas recovery group has called me daily as well as harassed my mother in law with XXXX in Florida telling her to pay them, my XXXX daughter in XXXX, my husband my sister in law in Washington state, and my husband. By texting, calling and leaving them voicemails. They have now been sending letters. I have asked them to please stop, and they have become more threatening. Doxing my personal information to people. My age, name, addresses and phone numbers as well as debt information. 
I am fearful and afraid daily.
Consumer complaint received 2020-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/XXXX, at the XXXX branch of TD bank, I asked XXXX XXXX to discontinue an existing auto-pay arrangement I had made a few years to meet my six-monthly insurance dues to XXXX XXXX. XXXX XXXX told me that TD bank would charge me a fee of {$30.00} for doing it. I declined and left. I emailed her the next day, asking her to CONFIRM that she had indeed attempted to charge me a fee of XXXX   dollars for discontinuing my standing instructions. I received two calls from TD bank ( saying " We are reaching out to you '' ), but I told them that 'reaching out ' by email was preferred, for it leaves a trail. TD then emailed me offering to " waive the fee '', but I made it clear that I was NOT seeking any favors from them. They were clearly trying to hustle me for this fee, and I suspect that many other customers would have been similarly fleeced. The fact that they offered to 'waive ' the fee does not absolve them of culpability any more that it absolves a thief who offers to return the stolen loot when caught stealing.
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have never opened an account with this company, have no knowledge of who they are and have never signed anything with them yet they are reporting information on my credit report. 

Portfolio Recovery A Date opened XX/XX/2017 Balance {$810.00}