davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway of taking lawful action and litigate Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates XXXX
Consumer complaint received 2017-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Schreiber Law LLC (MA)

I have attempted to settle a debt that was owed several times. All of my attempts were either ignored or rejected. I was sued for a much higher amount than I owed because they kept on accruing interest after I had made several attempts to settle or to arrange a monthly payment plan that I can afford. They brought me to court and I had no representation and did not know what I was doing at all. They bamboozled me into accepting a monthly payment plan based on an inflated figure and the payment is more than I can afford per month. I will be paying this debt forever while they collect money on a debt that I do not owe the full amount for. It is wrong and deceptive.
Consumer complaint received 2016-10-07
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I called MoneyGram on XXXX/XXXX/2016 in reference to transaction # XXXX to ensure that their would be no problems with the money transfer due to previous denials of transfers. I was told that the transaction would n't be denied, however ; it was denied after funds were sent. MoneyGram will not provide information to why the funds transfer was denied and MoneyGram will not immediate refund the money so that I could use another service to send the money. MoneyGram holds the funds for up to one week which causes a financial hardship for the customer and the recipient which further delays the necessity of the transfer of funds.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

I had been with Wells Fargo for almost 20 years and had a business account with them for about 15 years. I run a small nonprofit. I had repeated asked them go do I build my business credit. Can I get a secured credit card, a secured business loan, information about community reinvestment funds. They gave me and helped me with NOTHING!! During the pandemic they wouldnt even help the payroll from the government because we were a micro business. It never dawned on me that I was a female, XXXX run business so they were NEVER going to take the risk and I was being redlined. So when we got a new grant I opened up a new account just for payroll! I had no problems with my account prior to then. After that, they closed my account, in XXXX and sent the check to an address I told them was no longer up. We had the building leveled to rebuild ( I had also been asking them what kind of loans could I get for the building under community development ( never helped ). I still have not received my check and they want me to pay over {$1000.00} to put a stop payment on the check to reissue it when I told them repeatedly the building was not there. I still have not received our money!
Consumer complaint received 2018-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weber & Associates, Inc. (CA)

This Collection agency Weber & Associates continue to refuse to validate the debt claimed to be owed to them and have also violated the FDCPA Section 807 ( 8 ) I have proof they did not validate the debt. They also violated and failed to communicate the debt was disputed within 30 days of receiving my letter to do so. They even sent a latter which validates they did not adhere to the FDCPA policy within the allowed timeframe per the date they received my first request which was XX/XX/18. Please see the return receipt ( s ) for reference.
Consumer complaint received 2015-09-04
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (PA)

Ally Financial, also known as GMAC Auto, was trying to contact me about an insufficient fund for a payment I had made them. Instead of trying to call me or wait for a response ( as I never got a call from them ), they somehow found the name and phone numbers of known associates ( friends/family ) of mine, called them and told them who they were ( Ally ) and was collecting a debt for me ( specifically said XXXX XXXX ) and then asked my friends to make a payment on my behalf. When my friends said no, they asked them for more of ways to get in touch with me and I 'm not sure who else they call. XXXX from Ally denies this happened. Ally also told my friend they were calling other people too. She left her phone # and extension with my friend. Sadly and most frighteningly, Ally knows my phone number and should not have been calling other people, telling them my business, and putting out my personal information like that - its unlawful, and goes against the FTC rules and regulations. I 'm not sure what other information they leaked about me, but it needs to come to end. And fast!
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TX)

SPRING OAK CAP is alleging I owe a debt but I legally have no obligation to pay this debt because this debt was purchased but not lawfully assigned. Any secured creditor that has an interest in any allege debt must enter a lien into the XXXX system to hold assignment of the debt upon the books. I searched my name and there is no lien in the system to show assignment of this debt therefore they can not collect because it would be an illegal transfer. Furthermore transfer of an instrument does not give you full rights to collect.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Equifax requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway of taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX CT XXXX XXXX XXXX XX/XX/XXXX Balance $ XXXX Late Date XXXX
Consumer complaint received 2017-10-08
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. (GA)

I have contacted Transunion of several attempts about accounts that was reported to them. As I have been a victim of fraud and identity theft, I have also sent them several copies of a police report asking for them to remove the accounts : XXXX XXXX XXXX XXXX XXXX XXXX These following accounts are fraudulent and does not belong to me I have also asked that all XXXX inquiries be removed due to them being unauthorized
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

There is a company collecting a debt which is past the statute ( all old debt I ever had was back in 2008 ) and I have requested several times validation and nothing has been received.
Consumer complaint received 2017-10-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Hi, we total losses a car end of XXXX XXXX, however the car lease payment was set up in early XXXX, so out of common sense we called to cancel the auto pay- there is no reason to pay a loan for a car that was total losssed. 

Our car insurance company worked with Toyota GAP insurance to pay off the full balance on the car- however as of today, toyota financial service have been harassing me by leaving phone message saying how urgent this issue is, and sending me mail by threatening g to sue me. 

Most ridiculously, they asked me to send back the lien release- I never even got it yet! 

This is insane and it seriously disturbed my life, we have suffered enough from the car accident, and now we have to face their harassment. 

Please help stop these nasty people.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Winklevoss Exchange LLC (MI)

I went to pay my Gemini Credit Card bill and my password didn't work, so I changed it, but then it still didn't work. So, I changed it again, but ended in the same result. I assumed it was a technical error on their end, and contacted their support team immediately. The support team was not helpful and kept dodging my issue, so my gut feeling was to ask them to freeze my account because something seemed off. Then I checked XXXX and saw that lot 's of people were going through a similar issue. There's also lawsuit going on with them too, that I didn't know about.
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (TX)

I have recently checked my credit reports with Experian, XXXX, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. I have also found accounts listed on my credit file with no furnisher account name or information that have not been updated with accurate information or removed. 

XXXX XXXX XXXX Account NoXXXX Duplicated on three times on Experian XXXX XXXX XXXX Account NoXXXX Duplicated on two times on XXXX Two accounts with no furnisher account information listed on XXXX
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (NC)

I have contacted this company over the years about this debt asking them to prove this account belongs to me never send a letter verifying this is my account also sold this account to another lender send request in XX/XX/XXXX 2021.these are the requested items from company 1.original contract with my signature 2.payoff disclosure 3.interest 4.balance history 5.payment history 6.credit insurance Never received this information
Consumer complaint received 2021-06-03
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: HCFS Healthcare Financial Services of TeamHealth (FL)

Account Resolution Services is attempting to collect a debt that does not belong to me. Account Resolution Services is reporting a delinquent collection account to XXXX XXXX and XXXX that does not belong to me and is reporting incorrectly as if it does. It's hurting my credit score and I need this removed immediately. 
I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence ( debt validation letter ) via USPS mail on XX/XX/2021, as well as faxed them a copy the same day at XXXX ( See attached confirmation ) I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Account Resolution Services. I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Thank you.
Consumer complaint received 2016-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (PA)

I paid off a debt item in early XXXX 2016. I was told my credit report would be updated at the end of the month to reflect the credit was paid in full at that time. I had my report pulled a couple days ago and the item is still showing that I owe the full amount.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NY)

I signed up a new Citi XXXX XXXX credit card on XXXX/XXXX/2016 with the promotional offer of XXXX XXXX points after spending {$2000.00} within 3 months. I spent {$2000.00} on the card in the first statement period and have not received the XXXX points after XXXX statement periods passed. Other banks post the bonus points at the month completing the spendings. I have waited for more than three months. My Citi XXXX XXXX credit card application ID is XXXX, and my Citi XXXX XXXX credit card number is XXXX.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (UT)

Nelnet has not reporting my student loan balance. My student loans were cancelled recently, however, Nelnet has not reported my updated balance to all major credit bureaus. 

My loans went from over $ XXXX to $ XXXX and then about {$40000.00} a few weeks ago. Nelnet did not report it since XX/XX/2023.
Consumer complaint received 2022-02-14
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. (TX)

I have recently checked my credit reports with Equifax and have located accounts listed on my credit file without furnisher account name listed that is currently affecting my credit score. I have disputed these findings with Equifax, and they have not updated the record with the furnisher account name information or removed it from my credit file.
Consumer complaint received 2017-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Navient has continuously charged me even though i am still in school and should have a deferment. When I call them, they claim they never received my paper work and force me to take forbearance. I end up missing a payment because I think im still in deferment status and it has had a negative effect on my credit. I am trying to improve my credit and Navient keeps causing issues. They have done this numerous times. I dont get how they never receive my paperwork. Or how it is possible to know I left school and charge me the very next month the semester is over. But they never seem to know when I am still in school, even when I follow their rules. When I asked them they responded with, they get a quarterly report. If that was true how is it they when I am done, even if I had drooped mid semester. Would n't they know when the next quarterly report was received. This is not the case with them one bit.
Consumer complaint received 2017-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

I requested " validation '' of a debt I supposedly owe  to Wakefield and Associates. Th ey received the letter on  XXXX   XXXX ,  2017 . They sent me a copy of a bill for {$540.00} but the amount reported on my credit reports is $   XXXX .They were una ble to provide me with anything bearing my signature to prove I have an obligation to pay them. I pulled a credit report 30 days later and noticed the account was not updated as " disputed ''. I notified them of this and requested the account be removed from my credit reports. They responded by then updating my account as disputed and telling me the do not have to provide any additional verification. Not only has this company violated the law by not updating my credit report within the 30 day time frame, they are not bonded with the Te xas Secretary of State to even be able to collect debts in the state of Texas.
Consumer complaint received 2022-08-05
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. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2017-10-09
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: Midwest Recovery Systems (CA)

I received an alert that a collection account had been added to my credit report. I pulled my credit report to find out what this collection account was for. Well the collection company is trying to collect for an online payday loan that they have no legal authority to collect on as the loan was not legal and the State of XXXX issued Desist and Refrain Order and Order Voiding Transactions and to Disgorge All Charges and Fees.
Consumer complaint received 2017-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have written XXXX letters to XXXX ; XXXX in XXXX XXXX & XXXX in XXXX XXXX to have them remove numerous out dated accounts over XXXX old still being reported and/or on my credit report, many incorrectly reported status of accounts that are not in collections and/or XXXX yrs in state of NY expired alleged debt are still on there.
Consumer complaint received 2017-10-08
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: EQUIFAX, INC. (NY)

I have written XXXX letters to XXXX ; XXXX in XXXX XXXX & XXXX in XXXX XXXX to have them remove numerous out dated accounts over XXXX old still being reported and/or on my credit report, many incorrectly reported status of accounts that are not in collections and/or XXXX yrs in state of NY expired alleged debt are still on there.
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had 2 mortgages.

Second mortgage lender ( XXXX XXXX ) went out of business ( filed bankruptcy ). 
His successor Lasalle Bank is lien holder on my property since XXXX 
I have never received any request for payment. I never paid that portion. 
I am trying to sell the house and I can not find Lasalle Bank nowhere.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Apparently XXXX of my girlfriend 's credit cards ( XXXX XXXX ) was added to my list of credit cards, though I do not have the card, I am not an authorized user, nor do I have any type of access to this account. The account has had XXXX late payments, which are showing up on my credit report and damaging my score. The account shows as open, but with XXXX balance and it states that the last time it reported was on XXXX XXXX, 2014. On the credit report, it also states my responsibility for the account is " Terminated ''.
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CA)

Entered into an agreement with homeward residential in XX/XX/2016 to refinance a mortgage. Complied with every request ( many excessive ) for documents, only to have Homeward continually stall and drag out the process. The end result is that I have spent thousands of dollars to refinance, without any action by Homeward to approve/deny the refinance. The rate lock expired - we were guided to extend at " no cost to us '' but Homeward added another point to the closing costs. The rate lock expired a second time, again Homeward added another point to the closing costs. Homeward 's actions show they never had any intention of following through with this refinance, and provided fraudulent documents to keep me from going with another provided. This amounts to a financial loss of more than {$100000.00} due to Homeward 's fraudulent and deceptive business practices.
Consumer complaint received 2016-03-09
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (CA)

I paid the debt and submitted a dispute with the credit bureaus. I was told by the collection company that by submitting the dispute, they would have to re-open the debt. The reported the debt unpaid AFTER i paid it. This was XXXX. I reported them to cfpb and they immediately updated my credit file in all three bureaus to paid, this was in XX/XX/XXXX. Today, i checked my XXXX credit report and the balance was again {$310.00}!! This is pure retaliatory. They should be punished
Consumer complaint received 2016-02-25
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (AL)

I did n't see my first complaint about Cash Central but I do remember in there response they they stated they would no longer interrupt me jeopardizing my work status. They continue to call and today alone there were XXXX calls ( phone records will show ) that went to the front office. This is an annoyance and goes against regulations.