davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

Incorrect IBR amount. It took 30 days and 8 calls to have the amount changed. The company wanted me to forebear since my payment was overdue, which was no fault of my own.
Consumer complaint received 2017-12-13
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. (TX)

I initiated 3 written disputes between XXXX XXXX and XXXX XXXX with Experian requesting verification of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and the Office of the Attorney general accounts that show on my credit report. These unverified items still remain on my credit report in violation of Federal Law. Experian responded to each of my disputes saying the information was updated, but failed to remove them or to send me copies of the documents that used to verify these accounts as per my request. The fact that Experian has ignored my request to send me copies of the documents used to verify the disputed accounts is evidence that they did not properly verify any of the disputed accounts. Experian has not produced any document with my dated signature or authorization. Yet they willingly continue to report unverified information despite the Fair Credit Reporting Act laws in place prohibiting this unethical practice. I request that these items be removed immediately.
Consumer complaint received 2020-05-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (AZ)

A voluntary surrender of my vehicle was completed with XXXX XXXX XXXX XXXX. After the vehicle was sold by XXXX XXXX XXXX, they did not contact me in writing or by phone with the balance owed. Instead, the balance / debt was sent directly to a collection agency, Radius Global Solutions. See attached. 

XXXX XXXX XXXX XXXX did not send me written documentation showing the vehicle sale amount against the amount owed. Instead, a letter was received from Radius stating a sum owed to them regarding the auto loan. 

Therefore, I do not know the sale amount of the vehicle to determine the validity of the alleged debt owed. I do not know the final balance owed to XXXX XXXX XXXX as they did not send anything in writing. I was not given the opportunity to settle the debt with XXXX XXXX XXXX XXXX before it was sent to a collection agency. This is unfair debt collection practices and the legality of not disclosing the vehicle sale amount is in question.
Consumer complaint received 2021-04-09
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Texas Guaranteed (FL)

Currently I continue to received threatening and harassing letters from the company Trellis, who currently has my student loans. They had agreed to take out money out of my wages to remove any negative credit reporting and bring my account to good standings. Not only did I have wages garnishment, but they also didnt bring my account to good standing as promised. They also have not been willing to work with me in the process until recent. They continue to send letters even though the Cares act was implemented into Law to prevent creditors such as these from any type of wage garnishment and payments until XX/XX/2021.
Consumer complaint received 2020-12-11
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. (FL)

On XX/XX/2020 Ive sent documentation about those accounts unknown and inaccurate on my credit report. Its over 30 Days today but I haven't received a response. I was a victim of XXXX  Data Breach. I demand to remove those accounts or I will file a litigation.
Consumer complaint received 2020-12-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

I applied for several loan modifications with PHH Mortgage beginning in XX/XX/XXXX. I was denied in XXXX of XXXX, reapplied & denied XX/XX/XXXX. I reapplied in XXXX of XXXX and was approved with the same loan amount that I previously defaulted on. PHH inflated my income so that my payment could remain the same and it is documented on the paperwork I received from them. The interest rate also did not change. When I spoke with the relationship manager after the approval, he advised the first payment was due on XX/XX/XXXX. The three month trial agreement letter was due on XXXX XXXX. I made the first trial payment and emailed the agreement on the XXXX of XX/XX/XXXX. It wasn't until I went to make the XXXX payment that I found out that my modification was cancelled because I did not return the trail agreement letter on the XX/XX/XXXX. I made several calls to PHH to make the XXXX payment and spoke to several representatives before one told me the reason why I could not make the payment. PHH did not send me anything in writing regarding the cancellation. I also reached out to the relationship manager directly and asked if he could assist with getting it reversed since a payment was made and he advised the underwriters would not reconsider. I asked for the denial letter and that is when I read it and the approval from XXXX which says they inflated my income so I could afford the payment on their terms. I am no longer able to reach the Relationship Manager directly because the option to dial an extension is no longer given. On XXXX XXXX I applied for another modification. I submitted all necessary documents and had to resubmit tax documents three times because PHH claims they could not see the documents. The third set of tax documents was just sent on XX/XX/XXXX. This experience has been extremely drained, stressful, and has me feeling hopeless dealing with this company, especially with what is going on in the world today. I do feel as though their intention has been to help me. It is always a hassle to get information when I call and quite often I don't get valid information. I've also put a complaint in with HUD regarding this matter for assistance as well.
Consumer complaint received 2017-12-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (TN)

XXXX XXXX tried to collect a debit in the amount of {$420.00} for a credit card and have reported the collection account to XXXX, XXXX, and XXXX. XXXX XXXX volutary surrendered its license in 2015 in the state of tennesse. I attempted to disputed this company on several occasions and they continue to attempt to collect this debt and I want them off of all of my credit reports asap as they are hurting my credit profile immensely
Consumer complaint received 2021-10-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (FL)

Back in XX/XX/2021 I discovered this collection on my credit report, I never recevied any notification that National Credit Adjust was trying to collect on a debt. I sent National Credit adjust a debt validation letter. I asked that they provide me with certain items to show me why I owed National Credit Adjust and they only provided photo copies of credit card statements.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. ()

Using the Experian website, I'm unable to lift a security freeze on credit reporting about me by Experian, despite entering the PIN Experian gave me when I placed the freeze. The website demands a bunch of other information, including my SSN, birthdate, and address, and it presumes my address is in the USA - it demands a state and ZIP code - which it was when I placed the freeze but isn't anymore - I now live in XXXX. When I submit the form, the website declares that it can not lift the freeze and advises me to send paper mail to an address in Texas, including a stack of documentation to prove I am who I say I am. Calling Experian on the phone leads to a phone tree ending in a recording of the same advice. ( No possibility of talking with an actual human is ever offered. ) WHAT THE XXXX?! I have the PIN. That should be enough. It's outrageous to demand that I spend a bunch of time gathering and sending documentation on paper and then wait who knows how long for a reply ( which like as not would be, " We're sorry, but ... '' ). This is flatly unacceptable. 

I've encountered no such problems lifting freezes at XXXX and XXXX. 

*Entering my address when I placed the freeze or my last address in the USA does no good. And as far as I can tell, Experian has no presence in XXXX.
Consumer complaint received 2020-12-11
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: EQUIFAX, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2021-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (OH)

I got the loan in XX/XX/2021 XXXX payment was due XXXX. I started paying XX/XX/2021 and continued to pay ahead. Every payment I would call and say please put the amount or the extra amount on the principle and they told me they would but they never did. I want the money paid ahead to go towards my principle. In XXXX a fee on my Statment says UNPAID TAXES/OTHER no one can tell me what it is for and I want it removed.
Consumer complaint received 2020-12-11
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCY TO MAKE CRIMINAL COMPLAINTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-12-11
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. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2021-06-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Good morning, in XX/XX/2021 I have opened an account in Coinbase to buy and sell cryptocurrencies, I have verified all the data that they asked me and everything without problem. I have started trading, buying and selling, and a few weeks ago they have put my account " under review '' without giving me an explanation of the problem or a possible solution, since then I can enter my account but I can not operate, buy, sell or transfer, assuming this A great prejudice for me due to the price variations of cryptocurrencies. I have contacted the company 's technical support on several occasions and they do not give me a solution, they tell me that the problem is solved and they have closed my complaint, but the problem continues and I have the money blocked. 

I have my account verified with level 2
Consumer complaint received 2021-06-07
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: Resurgent Capital Services L.P. (TX)

LVNV Funding is inaccurately reporting that I have a collections debt of {$630.00}. XXXX XXXX is also inaccurately reporting that I have a collections debt of {$720.00}. These accounts do not belong to me.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation (CO)

I closed on my home with a loan serviced by Academy Mortgage on XX/XX/2020. After closing, I called Academy Mortgage to inquire about our refund and provide a new address. We left 10 days prior to the end of the month of our last payment to Academy Mortgage, and had at least {$1600.00} in our T and I balance per our XX/XX/XXXX statement. On contacting Academy Mortgage, they informed me that they in fact paid some at my closing -- -which was certainly impossible as the amount issued by the title company at closing was significantly higher than the last account balance on our statement -- -and that they actually covered some of our final cost. I asked about our escrow balance for tax and property insurance, and they told me that they had already sent the check to our insurance company for a policy that would start XX/XX/XXXX and that any refund for that would come from the insurance company. I asked if they could please cancel the check and they said that they would try, and would then send our refund. Now we are a month and a half later, I have been looking for our refund, and finally had opportunity to call Academy Mortgage again. They informed me that they could not give me a certain answer. I pressed as to why, and I was told that the man I spoke to previously said the same thing as before. He did not acknowledge that he told me they would request cancellation on the homeowner 's insurance check. I then followed up my the insurance company, and they said that the funds for the policy -- -that never should have started in the first place -- -have not gone through. Academy Mortgage is lying to us and avoiding sending us a refund due on our mortgage. I don't know what the refund amount is meant to be, because Academy Mortgage never sent us documentation to show the closing status, and this is  not available online either. I do not know how much they owe me. The person I spoke to at Academy Mortgage today did seem more reasonable than the last, and said she would look into it and reply tomorrow. She seemed honest, but because she seemed to answer to dishonest others, I am not confident they will do the correct thing and provide my refund.
Consumer complaint received 2020-12-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I had the misfortune of cashing a check for a fraudulent client on XX/XX/XXXX. That check was for {$190000.00}. From that check under the fraudulent client instructions, I was supposed to transfer {$99000.00} to a made-up vendor 's bank which was located in XXXX. On XX/XX/XXXX, I initiated the International Wire Transfer from my local Chase Bank. 

Originally I was told by the bank and I have a saved Receipt that the funds from the check would not be available until XX/XX/XXXX. However, Somehow someway they were able to initiate the Transfer on XX/XX/XXXX. 

On the morning of XX/XX/XXXX, I found out that the client who I believed was legitimate was in fact fraudulent, and had been running check fraud schemes since XXXX. At this point, I called the bank to alert them, and to cancel the wire transfer. Until that point, all of that money in my account was usable ( I'm assuming they might have cleared it, but I don't really know ). 

The bank rightfully removed the {$190000.00} from the bounced check. However, the issue now lies in the {$99000.00} international transfer that was initiated on XX/XX/XXXX. They said they were doing an investigation and simply couldn't reach the other bank, so I should reach out to them. I know from keeping in contact with the fraudulent client ( who doesn't know I've figured him out and reported him to the FBI ) that the funds never arrived. I currently have $ XXXX in my business bank account, because I was lucky enough to move the small amount of money I had in the account out of the account, but obviously, the negative balance impacts my business 's credit and I also believe interest on it continues to accrue. 

If I were to pay Chase the amount they are claiming I owe, they would be unjustly enriched by {$100000.00}. Not only do I believe that is a wrong and unfair business practice, but it also hurts me and my XXXX. My XXXX  is brand new. I started it in XXXX. There is no way I could pay for that. 

When I try calling my local branch, they ignore my phone calls. I tried using their " secure message center '' but they send me the same bogus message telling me they've received my message and that they will give me a call. They call me at random times throughout the day and never leave a call back number. For almost a month I've been trying to get in contact with a live person about this issue and all i get is automated messages telling me to message them or go to my branch. When I go to my branch they tell me there's no way they can get in contact with the transfer people. It's insane to me. As a person who's never seen {$100000.00} anywhere but the movies this is terrifying for me.
Consumer complaint received 2021-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Hi there, Thanks for your help solve my issue with Bank of America. I am a self-employed accountant, I opened a personal checking account in BoA in XX/XX/2021 to collect tax and account services fee from my clients during these peak season. In usual, my client send me the services fee by XXXX or using a paper check. Sometimes my client let me give them account number and routing number to transfer money to my account. 
Bank of America closed my account without any warning. They told me that someone sent money to my account using their unemployment benefit account in BOA, the dispute money is {$400.00}. They not only closed my account based on disinformation, but also detained {$400.00} from my account without my permission. They also sent my information to XXXX XXXX XXXX and other agencies so that I can't open a financial account in any other bank. That made my work and life so inconvenience, I felt so frustrated. 
I tried to reach out to the customer service of BoA and XXXX XXXX XXXX to make a complaint, but no one can help me solve my issue. So please help me to contact BoA and let them make a detail investigation. They were very sorry to me when my clients heard this bad news of me, they are willing to prove that the money {$400.00} I got was based on the accounting service I provided. I can provide the client information if you need to make an investigation. 
It's the second time I fill out this form to submit a complaint, I can't reach out to BoA when I submitted a compliant in the first time. I missed their phone call when the first time, but every time is voice box when I tried to call back, no one answered my phone call. 
Due to the pandemic, my clients, who are most of XXXX guys, they are not good at english, they lost their jobs. So that's why they need the people, just like me to provide tax and accounting service for them. 
So I think the BoA 's decision to close my account was based on incomplete and inaccurate information, that's totally unfair to me. I want them to withdraw their decision and notify the XXXX XXXX XXXX and other agencies to remove my bad records. 

Thank you very much in advance, I am looking forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-12-11
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. (AL)

On XXXX Ive sent disputes regarding unknown and inaccurate accounts but it's over 30 days today I haven't received a response. I was a victim of Equifax data breach. I demand to remove those accounts from my credit report or I will file litigation.