davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (NY)

Good morning I have sent 3 letters of dispute to the 3 credit bureaus XXXX, XXXX and Experian asking that they verify that the accounts are verified that they send me proof with the contract and my original signature and that if they are not removed from my credit report and still they still appear after 2 rounds of dispute cards XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX************* Unverified Account XXXX XXXX  XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Unverified Account Experian XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXXXXXX XXXX XXXX XXXX Unverified Account XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account
Consumer complaint received 2021-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (FL)

XX/XX/2021 : sold {$160.00} worth of Doge Coin through Binance.US, sale went through and only showed {$90.00} available ( still hasnt given me the remaining {$70.00} ) Ive attempted to withdraw the available {$90.00} every day since the XXXX ( today is the XXXX ) but have been met with a message reading withdrawals suspended due to risk management mind you Ive followed every single XXXX / authorization process before setting my account up to avoid this. 

On XX/XX/2021 I sold my remaining XXXX doge for USD but Binance.US decided to give me USDT crypto instead of the USD standard - didnt ask for that - then wouldnt allow me to sell for USD for {$380.00} - leaving a total of {$470.00} in my binance.us wallet not including the missing {$70.00} from the initial XXXX $ XXXX sell I have put in multiple support tickets, tweeted the official accounts for binance &. Have reached out to their financial advisor all with 0 answers. Through my research this is a constant issue within this company as they face lawsuits form the very community thats supported them.
Consumer complaint received 2018-06-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

My name is XXXX XXXX and my mother XXXX XXXX has passed but left me her house and it is now in my name but the loan she had was still in her name I have paid into that loan up to XXXX then out of blue there was a XXXX dollar balance that was owed like a balloon payment so I seemed legal advice which they said XXXX has passed so therefore I was not responsible well that info apparently was incorrect so I have been trying to reach Faye servicing for weeks they say fax over papers so they could identify me then they want me to send again they giving me the run around and my balance total pay off was XXXX now from the attorney fees from looking over paperwork I submitted 2 times that was almost 3000 and all there interest when I have trying to pay off the remaining Ballance my home has XXXX equity so there just not giving me a chance nobody calls back I call at least once a day voicemail no return call
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Once I was released from the XXXX I contacted XXXX XXXX  customer service department and explained to a XXXX XXXX XXXX that I had been XXXX XXXX XXXX XXXX XXXX XXXX which caused my payments to late. The original amount I owed on the XXXX XXXX XX/XX/2022 statement was only {$34.00}. When I released from the XXXX in XX/XX/2022 the amount owed on the XXXX XXXX credit card bill had ballooned to {$140.00} after late fees and other charges were added. 

The XXXX XXXX representative stated she could not waive all the fees but she granted a partial waiver and waived some of the fees and I paid the credit card bill in full with the representative on the phone in the amount of {$63.00} via my checking account/ACH transfer. 

I informed the representative I was concerned about XXXX XXXX reporting the late payments to my credit reports. I have decent credit and have not paid a bill late in over twenty years. The XXXX XXXX representative told me she would notate my account that had been affected by XXXXXXXX XXXX XXXX XXXX XXXX XXXX  which caused the late payments. My XXXX XXXX bill had always been paid on time until I got XXXX with XXXX XXXX 

Per the guidance provided by the XXXX XXXX website and representative my account would not be reported late to the credit reporting agencies/companies because I was affected by XXXX XXXX and due to the federal CARES Act and XXXX XXXX XXXX would not report a late payment. 

Unfortunately, even after all the public assurances given on the XXXX XXXX website and by the XXXX XXXX representative I spoke with, XXXX XXXX did and continues to report late payment ( s ) to the credit reporting agencies, Transunion, XXXX and XXXX. Which has and continues to negatively impacted my credit scores. 

I have attempted to reach back out to XXXX XXXX customer service and I was told there was nothing they could do to remove the late pay ( s ) from my credit reports even if it was a result of me contracting XXXXXXXX XXXX XXXX XXXX. I also attempted to contact XXXX XXXX XXXX office via email but did not receive a response from XXXX XXXX via email.
Consumer complaint received 2021-05-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (AZ)

OneMain financial debited my bank account for {$310.00} on XX/XX/XXXX for a debt I owe when authorization to do so had been revoked back in XX/XX/XXXX. I was laid off last year and could no longer afford this debt, so I discussed with the local branch who agreed to cancel my auto pay. I had credit insurance which was paying this bill until I couldn't prove my unemployment any more because of fraud on my state benefits by a third party. They put me in collections in XXXX even though explained still not working and 3 months later debited my account without permission. When I contacted them, the rep said he saw notes from XXXX even illuminating that they would pay for a stop pay fee back then due to the error. He agreed to refund the money but subsequently hung up on me. When I called back and got the same rep on the phone, he claimed was an accident and that he could not get any of his 5 supervisors on the phone to return my money. Again, they debited my account without permission as I had revoked that access back in XX/XX/XXXX and admitted that he saw that.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AL)

My bank sent a loan proceeds check to pay off an account with Synchrony Bank and close an account. The account was paid in full and closed ( receiving a closed account letter ) and 35 days later Synchrony Bank said the payment was returned. They cant tell me where it was returned or why. My bank XXXX has called Synchrony several times explaining they didnt return the funds. I have been trying for 5 months to get it resolved. I have spent about 14 hours on the phone trying to resolve this and NO ONE at Synchrony can help me.
Consumer complaint received 2021-11-02
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: EQUIFAX, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-06-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CT)

I work for the XXXX XXXX and have for a total of 20 years, I have been filling out paperwork for years trying to get these loans on an income based plan, which interestingly enough calculates out to zero payments every month, this is why I am ignored and it keeps showing up on my report. These student loans through navient should have been forgiven years ago
Consumer complaint received 2022-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (KY)

I sent a letter disputing the validity of this alleged debt on XX/XX/2022 and never got a response. Letter was sent certified mall. I have also, sent letter to cease and desist. Dear NCA, To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2022. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Consumer complaint received 2022-09-12
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (OH)

CBE keeps sending unauthorized text messages that have now cost me money on my phone plan. I never once spoke to anyone before they started sending them without my permission. I shouldnt have to cancel something I never authorized or asked for in the beginning and its ridiculous I have charges for the messages on my mobile phone account bill. This is XXXX.
Consumer complaint received 2021-11-02
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: EQUIFAX, INC. (CA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo has allowed for the creation of scam/fraudulent accounts. I fell victim to a wiring scam on XX/XX/2021 for my housing down payment where the beneficiary account ( scammer ) had a Wells Fargo account. The scammer was able to make an account with the same name as my attorney even though that's not their real name. Wells Fargo also accepted a wire to an account where the account details did not match up exactly. Wells Fargo has delayed freezing the funds in the scam account, which decreases XXXX  XXXX XXXX ability to recall the wire. Wells Fargo has allowed for the creation of scam accounts under fake names and has caused delays in getting the money back to the victim of a scam.
Consumer complaint received 2021-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Walwick, Inc (WA)

Merchant 's Credit Association XXXX I owe medical debt from XXXX XXXX. I had made a payment and was paying it off. I did not receive follow up bills/reminders in mail and Covid had happened which sent us all reeling. 
I had checked my credit report as it had gone down and I was surprised. I did then get a bill in the mail. I tried to pay online and by phone MULTIPLE times but it kept saying my packet number was wrong. Also, the collector did start calling me and we missed one another every time. I had left on the recording the issues with my packet # and not being able to pay through the portal and to please leave me the info on VM if I can't answer. He did not. 
I just spoke with a supervisor ( who was rude ) and was on hold to speak with a higher staff member when I was discounted. The supervisor told me that XXXX XXXX bills can not be paid by phone or web portal. THAT IS NOT LISTED ANYWHERE on the bill nor had been stated AT ANY TIME. 
I have been working on my credit for years and this XXXX $ bill just brought it down significantly when I HAVE BEEN TRYING TO PAY. 
Now, I just spent 20 min on the phone with them trying to get to the bottom of why I couldn't pay by phone nor web and was disconnected. I just left yet another message for the person ( maybe the 10x I've called ). 
I WANT TO PAY THIS BILL. THis should not be reflected on my credit score as payment has not been accessible. The collector who I was speaking to when he asked his supervisor to come speak with me, he sid, " I have a consumer who's hot right now. '' Can you help me? 
* A note that mail in our area has been stolen this past year especially with the homeless situation and Covid. Many issues of theft and burglary. 

Thank you, XXXX XXXX
Consumer complaint received 2021-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

Commonwealth Financial Systems has reported three collection accounts in the amount of {$910.00}, {$110.00}, and {$94.00} to my consumer credit file. I do not owe this alleged debt! Commonwealth FinancialHAS NOT SENT any notice of collection to me at all. This is a strong violation of the FDCPA. If CommonwealthFinancialhas the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUALDOCUMENTS stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt in question in which Commonwealthhas reported to my consumer credit file. Commonwealth has no legal right to attempt to collect a debt as this does not belong to me. Again Commonwealth has not validated this debt nor sent me any notice of collection.
Consumer complaint received 2018-06-25
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: Solomon and Solomon, P.C. (CT)

Solomon and Solomon pc account paid and closed as of XX/XX/2017. Asked for a letter of closure never recieved it. It is still showing up in my credit report as a collection debt, negative reporting. They have not yet taken it down or sent me a letter that the account is paid in full and closed. Need to take action to take it down, they are refusing to take action. This is causing conflict in employment and carrer advancement along with rental and credit history.
Consumer complaint received 2017-08-24
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. (LA)

While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Equifax several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

You have lied to me about the accuracy of my credit report. The collection agency said they sent the correct details which they didn't verify. They blame you for inaccuracy of my credit report. You need to understand the U.S Federal laws while operating in the U.S. I have attached the CFPB complaint of them Collection Company statement. If you have conducted a reasonable investigation. LETS READ ABOUT A REAL INVESTIGATION. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. YOU HAVENT CONTACTED ANY OF MY NEIGHBORS WHICH I HAVE THEIR STATEMENT FOR PRROF IN COURT. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different. ( Drastically different ) See attached credit report. You should have seen the mistakes of the Date Opened. Why the date Opened on XXXX XX/XX/XXXX, Experian XXXX XXXX says XX/XX/XXXX. This is very misleading information which you know are errors on my credit report. The banks think this account not accurate. I recommend you delete this error. I can speak with my Attorney General, but I am trying to resolve with you Politely. I advise you to give this matter to your Collection Manager so he or she could read the following statement since you failed to do so. I just want to know how you could report to XXXX & Experian Date Last Reported XX/XX/XXXX, & XXXX XX/XX/XXXX? Like Which Date Is it? Second Violation. You also reported Date Last Active XXXX XX/XX/XXXX, Experian XX/XX/XXXX, and XXXX XX/XX/XXXX. This ridiculous you continuously to break the LAW. They must match across all three which they don't, SO DELETE THIS COLLECTION. READ THE ATTACHMENT & ANALYZE & DELETE DUE TO YOUR CARELSS MISTAKES FOR 2 YEARS.YOU HAVENT CONTACTED
Consumer complaint received 2021-03-02
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Kentucky Higher Education Assistance Authority (NY)

The collection agency has not provided a signed agreement with the current collection company ( KHEAA ). The promissory note that was provided is from XXXX is with Higher Education Student Assistance Authority ( HESAA ) of New Jersey which is from 14 years ago! They have garnished my refund tax from XXXX illegally! This has caused a MAJOR hardship for me and my family.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

In accordance with the fair credit reporting act XXXX  Act # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Neon Newco Corporation (IL)

On XX/XX/XXXX, I learned Netspend closed all our family 's account for " unacceptable account usage pattern '' Though following terms, I assume this was a pretext for just not profitable to them as they would not disclose anything further. 

Netspend refused to refund the {$85.00} annual fee I paid on XX/XX/XXXX, just a month ago. They cited since the account is closed, they can't refund. They also refused to send me the remaining balances on all prepaid cards in the family, citing a {$5.00} fee for checks to be mailed as well. 

Since I am not closing the account, the balances and fees for past year, {$85.00} each, should be refunded as I was not able to use the prepaid card for the full year as paid. There shoudl also be no fee for mailing us checks. 

I was not able to use the remaining balance on the card as well via debit transaction as blocked.