davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
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: CREDIT ACCEPTANCE CORPORATION (OK)

I would like to report a Fair Credit Reporting violation. 

My Credit Acceptance Corporation balance for XX/XX/XXXX was {$6100.00}. 

The Credit Acceptance Corporation Account deleted from XXXX credit file : XXXX XX/XX/XXXX ; after numerous disputes. 

The Credit Acceptance Corporation account was re inserted into my credit files XX/XX/XXXX, over one ( 1 ) year after the deletion of XXXX XX/XX/XXXX. 

The re insertion included a higher balance than the original balance of {$6100.00}, Credit Acceptance Corporation reported to credit bureaus. 

The re insertion balance increased to a balance of {$6600.00}. 

I received no notice of re insertion of this account from XXXX, XXXX  or Credit Acceptance Corporation for the XX/XX/XXXX XXXX insertion of the " deleted '' Credit Acceptance Corporation, previously disputed late payments/repossession.
Consumer complaint received 2021-04-09
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: Experian Information Solutions Inc. (TN)

Experian is has 2 XXXX XXXX accounts on my credit which is basically the same loan and has 2 different charge offs. This was 1 account and should have stayed under 1 account regardless of it being transferred to another branch. I have 1 account that 45 charge offs then another with 61 charge offs which means the debt was sold 61 times? Now it is also reporting that it is in collections now after being charged off. How is that possible? I have asked for these accounts to removed from credit report numerous times. Experian just reaches out to the creditor and they write a statement and nothing gets resolved. If Experian just took the time to look at my report they will see the information is inaccurate. I am asking that these accounts be deleted and removed from credit report immediately.
Consumer complaint received 2020-07-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (RI)

I signed a private student loan contract with XXXX in XXXX of XXXX when I was XXXX and had just graduated high school. The student loan dispersed in XXXX of XXXX and XXXX of XXXX. When the loan was signed I was informed that there were no other options available, including being told that the government would offer no assistance. I declined a federally subsidized student loan at a lower interest rate to sign off with the XXXX private student loan. They rushed the process and brought my family in as co-signers on the loan without providing all the information. 
In XXXX my loan was sold to Discover Student Loans. 
I have made payments over the twelve years totaling {$15000.00} on a loan that was for {$12000.00}. I continue to make payments of between {$50.00} to {$100.00} a month and the loan will be paid off in 20 years according to the company. When I asked XXXX about why I would be pushed into a private loan instead of a federally subsidized loan they told me that they could not provide any information and that I lost my opportunity. This loan has damaged my credit, the credit of my family member and caused stress in monthly finances of my family. The loan was predatory from the beginning but only recently have I come across all the information that was denied me at the time of the signing.
Consumer complaint received 2017-09-20
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. (AR)

There is a collection account on my credit file for {$380.00} from a XXXX XXXX XXXX. I have disputed this item several times because I have no knowledge of this account. I requested validation of this debt and never received anything.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XXXX/XXXX/2020 I sent a letter to XXXX, XXXX, and Transunion to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XXXX/XXXX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XXXX/XXXX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I disputed this account on XX/XX/2020 with XXXX XXXX XXXX  and account number XXXX. It is now XX/XX/2020. It has been over 4 months and I have not heard anything back from Equifax. This is totally unacceptable and exceeds the extension deadline given because of Covid-19. They have broken laws set in place to protect consumers. Equifax needs to delete this account from my consumer report for failure to respond.
Consumer complaint received 2020-07-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (FL)

On XX/XX/XXXX, I used TransferWise to transfer XXXX XXXX  to my blocked account in XXXX, which is required for obtaining my XXXX XXXX  visa. The amount was to be deducted from my XXXX XXXX account in XXXX. I chose to use TransferWise because it advertised its service as fast, convenient, and more affordable than its competitors. I needed the money to arrive in my blocked account quickly because my visa appointment was approaching. 

I entered all the necessary information on TransferWise 's portal and authorized the transfer through a built-in XXXX XXXX online banking portal. TransferWise 's portal said the transaction was successful and that the money would arrive by the next day. I didn't receive any notifications when 24 hours had well passed, so I decided to log in on to the TransferWise portal to check the status. I was so dumbfounded that it said my account had been deactivated. No reasons were given on the page. I contacted customer service who instructed me to contact their appeals team because only they were able to handle this. 

Worried about not receiving the transfer on time, I emailed the appeals team with my passport scan, a selfie of me holding my passport, my blocked account details, as well as my university admission letter. Customer service told me specifically to include the first two items involving my ID, as well as other relevant details. 

As I was awaiting the resolution of this, I googled " Transferwise account deactivated '' and found a lot of similar complaints of TransferWise deactivating accounts without notice and reasons, with some people 's money still in their TransferWise accounts. Luckily, my money was still sitting in my bank account when this happened.

I ultimately chose XXXX XXXX to complete my money transfer. I asked TransferWise to cancel my transaction and to delete my personal data. XXXX days later, they replied with an apology and said that my account had been reactivated. They did not explain what led to the " reasonable suspicion '' or why they deactivated accounts without notice. 

I think this way of deactivating accounts without notifying people is very unprofessional and problematic.
Consumer complaint received 2020-07-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: General Motors Financial Company, Inc. (NJ)

I have paid off auto loan amount in full on XXXX2020 to gm financial and the amount should be XXXX .. is still said in credit report ( XXXX ) and I have the approval for that
Consumer complaint received 2022-04-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

equifax and XXXX will not take a dispute online, try to call get no response.reporting incorrect balances on 2 accounts, reporting incorrect credit lines, reporting 11 % credit usage, using less than 3 %.
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

I transferred {$50000.00} from my bank account to BINANCE.US over a month ago to then immediately use those funds to buy crypto currency. My account has been blocked from trading, depositing, and withdrawing for over a month. I was instructed to send a video and verification which I sent over a month ago and still have received no response. I have tried multiple emails and chat messages to get help. 

I received one email about a month ago and thereafter absolutely no communication. I've tried many different ways of communicating with the company but I've not been able to get in touch with anyone.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Atlanticus Services Corporation (AL)

I SAW ACCOUNTS THAT WERE FRAUDULENT AND REPORTED THEM TO CREDITORS AND THEY REFUSED TO REMOVE THE ACCOUNTS.I 'D LIKE TO REPORT THE CREDITORS AS NEGLIGENT.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In XX/XX/2021 the account was paid and agency stated the item would be updated and removed within 30 days from final payment. On all my reports the account is still there and showing an amount owed when this account has been paid and should be removed.
Consumer complaint received 2021-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (MT)

Started loan in XXXX of XXXX with an original loan amount of {$5700.00} the very next month my total owed is {$5900.00}. And only {$00.00} cents went to my principle I pay a total of {$200.00} a month every month on auto pay with a monthly charge of {$170.00} which totals to me paying {$25.00} extra a month. The interest charged goes up and down every month without reason, they didn't take an automatic payment in XX/XX/XXXX and in XXXX of XXXX {$200.00} went to interest and nothing went to my principle. I was told I get charged {$4.00} a day in interest totalling $ XXXX {$120.00} a month yet my interest payments flucuate from about $ XXXX {$200.00} a month and the most ever applied to my principle is about XXXX or so dollars monthly if that. If I were to pay off the loan today they would charge me {$5400.00} meaning after paying {$2000.00} since XXXX of XXXX till XXXX of XXXX I would have only paid {$460.00} towards my principle that is robbery and fraud. Yet I get told I don't understand how a simple interest loan works. Also their statement re how the payments are applied are 1. Misc fees ie. Repo if applicable 2. Interest currently due 3. Principle current and past due 4. Fees ie. Late/nsf 5. Remaining principle. They are being shady with my money and it's not right. I should only owe {$5000.00} not {$5400.00}
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

SANTANDER CONSUMER IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT FOR XXXX, XXXX, XXXX, AND XXXX. I WAS DENIED A MORTGAGE LOAN DUE TO THIS INACCURATE INFORMATION.
Consumer complaint received 2020-07-23
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: CREDIT ACCEPTANCE CORPORATION (AL)

I CHECKED MY REPORT AND SAW FRAUDULENT ACCOUNTS ON IT AND I HAVE REPORTED THEASE ACCOUNTS TO IDENTITY THEFT, BUT THEY HAVE REFUSED TO REMOVE THEM ID LIKE TO REPORT THE CREDITORS AS NEGLIGENT.
Consumer complaint received 2020-07-23
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: Westlake Services, LLC (AL)

I CHECKED MY REPORT AND SAW FRAUDULENT ACCOUNTS ON IT AND I HAVE REPORTED THEASE ACCOUNTS TO IDENTITY THEFT, BUT THEY HAVE REFUSED TO REMOVE THEM ID LIKE TO REPORT THE CREDITORS AS NEGLIGENT.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (NC)

True accord llc is a debt collection agency that on XXXX has taken action from XXXXXXXX XXXX the original creditor account sayinh that I owe {$260.00} for XXXX XXXX.i have contacted XXXX  back on XXXX that I have filed a complaint on the phone and also sent a cfpb complaint about this matter and have not received a reply back .so I'm filling out a new complaint with True Accord about this matter
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I received an email about a decrease in my consumer report. When I checked my report, I noticed my score had dropped tremendously. TransUnion has reported that I somehow owe them money. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. 

To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report, No consent is identity THEFT.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (TX)

I have just been made aware of this situation. 
In XXXX, I purportedly had some overdrafts in my Wells Fargo checking account. Wells Fargo charged my ( Wells Fargo ) credit card for those amounts, despite the fact I had ( and continue to have ) a savings account with them. These changes are considered as a " cash advance ''. 
I am still paying interest on those " cash advances ''. 
I have discovered that the allocations of my monthly payment to my credit card balance is divided as follows : 7 percent is paid to these credit card " advances ''. In retrospect, the remaining 93 percent is being paid to RECENT transactions I have made that either have a 0 percent interest rate or another modest rate offered at the time of that transaction. Again, the " cash advances '' were made in XXXX. The transactions that the bulk of my payments are being allocated to, occurred in XXXX!! According to the bank, I've paid approximately half of the " cash advance '' balance. This is nothing but a fraudulent business practice! The bank continues to collect interest against a 5 year old debt!! 
How much more despicable can Wells Fargo get??
Consumer complaint received 2020-07-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LOBEL FINANCIAL CORPORATION (AZ)

This debt was originally settled with the original creditor in 2009. XXXX XXXX XXXX tried to purchase the old debt which was disputed and garnish wages. A hearing was request to mediate between myself and this law office after multiple filings in different courts without my notification and not attending hearings. XXXX County Consolidated Justice Court placed a stay of garnishment on the judgement after I filed a motion and XXXX representatives did not appear in court. 

This law office has now tried to launch yet another case of judgment against my property under this same disputed debt.
Consumer complaint received 2020-07-23
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: WELLS FARGO & COMPANY (AL)

I LOOKED AT MY CREDIT REPORT AND NOTICED THINGS THAT WERE WRONG AND REPORTED MY FINDINGS TO THE CREDIT REPORT BUREAUS, BUT THEY REFUSED TO REMOVE THE FRAUD ACCOUNTS. I'D LIKE TO REPORT THESE ACCOUNTS AS NEGLIGENT AFTER IT WAS BROUGHT TO THEIR ATTENTION THAT THE ACCOUNTS ARE FRAUDULENT/INACCURATE.
Consumer complaint received 2021-11-01
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. (FL)

I have made 2 disputes to TransUnion regarding a collection account from an unknown debt collector and creditor. While disputing this account online with them my credit went up then when down again, twice. They have told me that this account has been verified but I have never received any notice or validation letter from this collector, I simply do not know who this company is or what they are trying to collect money from me. I have placed a complaint with the XXXX  and I'm currently waiting to hear from them.
Consumer complaint received 2021-04-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CONTOUR MORTGAGE CORPORATION (NY)

I close on a mortgage in XX/XX/2020 with Contour Mortgage. At the closing, there was an approximately {$3000.00} that was supposed to pay off some debts. The debt in question was already being deducted from my paycheck. The lawyers agreed that after the full amount is paid through my paycheck, then I would get the check. That never happened. I kept requesting for the check with no real answers. As I was going through the closing documents I also notice that I never received an accurate closing documents with the actual expenses. The documents that I signed XXXX days before closing were estimates not the actual expenses, because the estimates for the title company was different from what the amount on the title expense statement. There was another {$2500.00} difference in the amount that was actually charged and the amount showed on the estimate closing cost document that I received. This was confirmed by the original loan officer. I am requesting for a thorough recount of the closing process of the mortgage because I believe that I am currently responsible to pay back a mortgage amount that is not accurate. In addition, there was supposed to be a {$500.00} credit applied on the price of the house. This credit was not honored. Furthermore, I got an unpaid tax for 2020 that was supposed to be taken care of during the process. I tried to resolve the problem with Contour Mortgage with no success. So I am putting the complaints with the current loan servicer XXXX XXXX Loans.
Consumer complaint received 2020-09-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WA)

I've had a mortgage with Freedom Mortgage for several years. In XX/XX/2020 I contacted them about a IRRRL. 

It is XX/XX/2020 and my loan still has not closed. I can not get a straight answer and am told they are " waiting '' for one step or another.

This is ridiculous and is costing me extra money every month. I believe it is deliberate to get extra income from interest.

No one responds to emails, phone calls are met with rude employees who are not helpful. I regret ever having my mortgage with these people.
Consumer complaint received 2023-03-24
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. (IL)

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 accounts 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 XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$360.00}.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section of the report.
Consumer complaint received 2021-08-19
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. (SC)

I have asked these credit bureaus numerous times to removed fraudulent inquiries on my credit report and they will not help me. I have reported them all and the agencies will not properly removed them according to the FCRA GUIDELINES. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These inquiries are not authorized and are not verified!! 

As well as the debt collection from XXXX XXXX ( XXXX ) in which I have documents from stating I am NOT responsible for!! I will attach documents!