davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
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 have an account with XXXX XXXX that was in collections with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I paid a settlement amount of {$630.00} to them to settle out the account ( Ref # XXXX ). My representative is Mr. XXXX XXXX at extension XXXX. I paid this amount on XX/XX/XXXXand they were supposed to report this as settled but they just took it off the existing amount and failed to settle the account. I spoke to Mr. XXXX on five different occasions to solve this issue but they are refusing to do so. I have a letter from Mr. XXXX that in fact shows the account is settled but the credit bureaus will not update it as settled but they continue to show a remaining balance. I have disputed this with them at least 5 times but it still comes back each time as verified as accurate but it is not accurate. When you call XXXX XXXX to speak to someone about the account on their end it refers back to XXXX XXXX XXXX XXXX XXXX and back to Mr. XXXX. I am sick of this run around and I need them to settle this account which I have already paid for.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (OR)

Earlier today I got a junk call from someone wanting to consolidate my credit card debt via a XXXX XXXX card to be issued bearing zero interest. 

They seemed to know what credit cards I have and said they got the information from Experian. I do have an account with Experian but have received no alerts from them. 

I'm quite upset that an obviously unscrupulous person or organization has access to my credit information from Experian. I thought the whole idea of Experian was to monitor fraudulent inquiries. 

I don't know what to do. It is impossible to speak with a live person at Experian. I don't know why I should continue to do business with Experian.
Consumer complaint received 2016-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (CA)

My loan servicer is MyGreatLakes. On XXXX XXXX, 2016, I spoke with a representative who advised me to apply for the repay program for my loans. During this call, he also represented to me that I would receive subsidized interest contributions through this plan. On XXXX XXXX, 2016, I submitted my application for repay. On XXXX XXXX, 2016, I called to follow up on my loan application and was informed that I did not apply for repay, was on a completely different plan, and that the information I was provided on the XXXX was inaccurate, as there is no subsidized interest contribution. When I asked what plan I was on, they were not able to identify the newly assigned plan. I was told I would receive a call back. I did not. On XXXX XXXX, 2016, I telephoned again to check on status. Still no one could identify the plan I was on or how much my monthly payments were to be. On XXXX XXXX, 2016, no one was still able to tell me the amount. As of today 's date, no one can tell me the plan and no one can tell what my next payment schedule will be.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Linebarger Goggan Blair & Sampson LLP (NY)

I am being pursued to make payments on an XXXX account that I am currenly using. The amount being so called requested is now up to {$800.00} which I am refusing to pay. this account was opened in XX/XX/2018 and the XXXX is and has always been in my car. The City of XXXX XXXX and The State of New York and now a LAw firm in Texas wants money. There not going to get any money from me. 

New York State takes money out of my account each and every month for my XXXX tolls and saying I owe them money and now facing fines of & XXXX and revokeing my car registration. I couldn't give XXXX if they have my vehicle on cameras. MY XXXX IS ATTACHED TO MY WINDOW AND HAS BEEN IN MY VEHICLE SINCE XX/XX/2018 XXXX
Consumer complaint received 2019-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (AL)

I disputed the information on my credit report because I have been relatively homeless 2014. I have been unable to sustain employment and am just getting back on my feet. I checked my credit because of potential housing and saw accounts that I didn't open. After disputing them with XXXX, I was told they were verified accurate. I don't even have an ID.
Consumer complaint received 2024-02-24
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: EQUIFAX, INC. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-14
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. (CA)

This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/20 Balance : {$650.00}
Consumer complaint received 2020-08-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Consumer Real Estate Finance Co. (MI)

I applied for a home loan in XXXX 2020 and was preapproved. In mid XXXX I had the inspection and appraisal completed on the house and then my loan went into underwriting. We were scheduled to close on the house on XX/XX/XXXX but my lender said they needed an additional 3 weeks. We moved the closing date to XX/XX/XXXX. For weeks on end, my realtor and myself reached out to the lenders I was working with about 10 times  asking for updates, to which we were continuously told there were none and they would keep us updated. I asked to speak to supervisors and was told Id get their information later but never did. Finally on XX/XX/XXXX I was notified by my realtor ( not even the lender at first ) that my loan was no longer approved due to my student loans changing over the past few months, which is untrue because they have not changed at all. If anything I am in better standing than I was before. I feel like this company completely scammed me out of my money that I paid for the inspection, appraisal, and earnest payment ( total {$2300.00} ) and Id like my money returned back to me. This has honestly been a complete nightmare working with this company and I am just hoping they can make things right.
Consumer complaint received 2022-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (NH)

The company ( Binance.us ) arbitrarily suspends the withdrawal of virtual currency asset XXXX XXXX XXXX XXXX  for prolonged duration without prior notification to the users. This suspension of withdrawal is not just specific to my account, but something that affects all users of the platform. 

I first noticed the suspension of withdrawal issue on XX/XX/2022 and emailed a customer service representative, as I could not find any information in the public domain regarding the suspension of withdrawal. I was informed by the representative, " the withdrawal suspension is due to wallet maintenance following a network upgrade, and other operations such as buying, selling and deposits of XXXX XXXX XXXX ) are operational, except for the withdrawals which would be fixed soon by developers ''. The following day, XX/XX/2022, the withdrawal service of XXXX XXXX XXXX XXXX was reopened, and the customer service representative responded that the wallet maintenance/network upgrade issues were resolved. I mentioned my disappointment about the lack of prior communication to users of these maintenance activities. 

Now, again on XX/XX/2022 and XX/XX/2022, the withdrawal of XXXX XXXX XXXX XXXX is suspended, without any form of communication. Therefore, based on my personal experience and that of other users, the suspension of withdrawal of XXXX XXXX XXXX ) seems to be a random and frequent occurrence at Binance.us under the premise of wallet maintenance.
Consumer complaint received 2018-06-29
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: Automated Collection Services, Inc. (AL)

After disputing a debt from a collection agency company named Automated Collections over a month ago to verify a debt they claimed I owe them. It has since been 30 days with no response from Automated Collections. I have directly disputed the credit bureaus XXXX, and XXXX about Automated Collections claims with no known outcomes. I have attempted to resolve matter with the credit reporting bureaus XXXX, and XXXX with no knowm resolve as well. I have sent certified mail to Automated Collections on XX/XX/2018 with no response. According to FCRA collection companies have 30 days to respond to verify a dispute. I have not received any responses from either Automated Collections nor the credit bureaus XXXX, and XXXX.
Consumer complaint received 2020-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

PRA started to garnish my wages without notification. I had no knowledge of them attempting to garnish my wages. I was not properly notified of wage garnishment. Only knowledge of anything is when I got paid. This is unlawful and they should not be able to garnish wages with out notifing the consumer
Consumer complaint received 2020-08-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (TX)

My name is XXXX XXXX I purchased a vehicle at XXXX XXXX in XXXX TX. 
The vehicle was purchased using Motor vehicle retail installment sales contract with arbitration Provision. The buyer listed in the contract is XXXX XXXX and seller/ creditor listed as XXXX XXXX XXXX XXXX. The arbitration was settled by transfer of title which is proven by odometer statement and vehicle was sold as is as proven by the buyer guide. The title was transferred by state of Texas and has me listed as owner with previous owner being XXXX XXXX of XXXX tx. This is proven by the registration papers for Texas department of motor vehicles. 

Once I received the registration for the vehicle it has had a lien placed against it from Santander consumer XXXX XXXX and since that time they are sending threatening letters and stating that they are going to repossess the vehicle. I have contacted Santander and requested a release of lien but they have not or are not willing to do so. I am filing this complaint because it is my opinion as a third party to the sale it should have been illegal for Santander consumer to put a lien on vehicle in first place and in the state of Texas a lien does not give a company the right to repossess a vehicle it seems to be harrasing and threatening treatment and an attempt to cohere individuals into accepting acceptance. 
My vehicle has been impounded as a result of this I can not get vehicle out of impound Santander consumer has attempted to call impound to retrieve vehicle which they do not have a right to do which they were told no The documents attached will prove the contract title transfer as is purchase ownership and lien that was placed on vehicle as well as threatening and harrasing attempts by antander consumer USA to collect a dept that is not owed
Consumer complaint received 2018-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (IN)

On XX/XX/XXXX my husband and daughter were XXXX by a XXXX XXXX that totaled my car. At that time the car payment was current. I was not told that it was my responsibility to contact the car company to report the incident. However, we did contact the insurance on XX/XX/XXXX and started the claims process ( we did not learn of the incident until XX/XX/XXXX ). I received a call from Wells Fargo Dealer Services on XX/XX/XXXX reporting that the payment was 10 days late. I reported to them the incident with the car and my family, and they basically stated they didn't care and they wanted the payment. I reminded them numerous times that the payment was current at the time that the car was totaled. I received calls from them every day, and I eventually had to file a Better Business Bureau complaint, which they then stopped calling. When my husband and I originally took out the loan from Wells Fargo ( XX/XX/XXXX ), we were told that taking GAP insurance coverage was required to get the loan ( XXXX XXXX XXXX XXXX. ) I have received a bill, including late charges, for {$710.00} from Wells Fargo that I do not believe that I owe, as the GAP coverage should have taken care of it.
Consumer complaint received 2015-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I contacted the holder of our mortgage, Bank of America, on XX/XX/XXXX to request that the PMI be removed. I had previously contacted them regarding the requirements to remove the PMI and was informed that the loan needed to be more than 5 years or older and the loan to value ratio must be less than 80 %. The house was purchased in XX/XX/XXXX, and is therefore more than 5 years, and the loan to value ration is less than 80 %. 

However, Bank of America is still declining to remove the PMI and is instead requesting an appraisal of the property.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: EVERBANK, NATIONAL ASSOCIATION (MT)

I started a mortgage refi with Everbank ( my current lien holder ) on XXXX - sent in all docs required. MANY things were asked for numerous time and numerous time sent ( I have appx 26 fax transmittals to show how many times I complied with their requested for information that had been sent several times ) This became almost a daily activity - VOI/VOE was done for both of my jobs. My second job was sent a request to do a 2nd VOI/VOE, he complied. After appx 5 weeks of this and the day before my appraisal I spoke to XXXX XXXX ( my loan officer ) and told him that if they did not have everything they needed to complete my refi I wanted to withdrawal my refi and refund me my {$900.00} ; I sent him yet ANOTHER couple documents that had been sent before, he stated all looked good and ok to proceed. Appraisal was done ( {$900.00} XXXX the following day, on XXXX. I called on XXXX to see status and yes, appraisal was in - a copy was never sent to me until I requested it on XXXX. I am a co-signor on a few loans and during this process, Everbank requested that I have my daughters truck refinanced out of my name ( which I did at a higher interest rate ) and I did the same with my nieces truck as I was her co-signor as well. This was all done early on in the loan process. After appraisal was done and sent to me, yet ANOTHER ( XXXX request ) was sent to my XXXX employer for VOI/VOE and information on another loan was requested that had been sent already NUMEROUS times. Everbank has my tax returns, XXXX 's and paystubs!! I rec 'd my settlement estimate as well and fee 's and costs as well as the rate were NOT what I agreed to on XXXX. On XXXX I withdrew my refi requested and asked for a refund ; I sent a letter in writing to Everbank home office requesting a refund and a response to my concerns regarding this refinance. XXXX I called Everbank as NO ONE had called me and no refund had been rec 'd ; talked to a customer service rep who said he could n't help me, he would have to escalate my concerns and a XXXX would call me that day. By the end of the business day on XXXX NO phone call from Everbank. On XXXX I faxed ANOTHER request to Everbank in writing and as of today ; XXXX no one has contacted me and I have not rec 'd my {$900.00} refund. Please help me!
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-06-03
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. (CA)

two inaccurate car loans ( XXXX XXXX ) are reporting under my name these are inaccurate and fraud accounts reporting under my equifax credit file only. i have been sending my police report identity theft report and the FTC report as well, but they have not been helpful at all, please have these irrelevancies removed and please help me as a consumer to needs protection from these bureaus, m have equifax removed these irrelevancies from my credit file thank you
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (NC)

On XX/XX/XXXX I received an email from Checkr regarding a background check XXXX requires ran before you can obtain employment with them and It had 3 charges belonging to a XXXX XXXX XXXX which is not me and it reflects very poorly... Possibly even make a difference in opinion with wat the charges are and I can not afford that right now
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I was never late payment account was paid off and closed as reflected by XXXX. XXXX and Experian are not reporting accurate information such as payment status and date of last payment. XXXX failed to report my dispute in the comment section, not consistent with Experian reporting. 
A violation of Section 623 of the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-06-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (HI)

The company has added all types of fees to each of my accounts, XXXX of dollars. When I ask for a itemized list of charges, they send a total of what I owe, that is it. They ignore my letters and phone calls. They have lied in court about total amt. of debt. I have received nothing but false totals since I started with them. I just want correct totals so I can pay and close the files and start anew. Please help, nothing I say has changed this company policy on how they go about collecting there debts. I have been paying monthly and still they garnished all bank accts. even my childrens ( where they got the bulk of monies ) and them while paying monthly still went ahead and garnished my wages. This is bullying me to pay more money then I have. Not a nice company at all.