davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I reviewed a current copy of my credit report and I show inaccruate informaiton listed. I attempt to dispute item and I have not recieved any replies and it be pasted more than 60 days on account with in a viloation for FRCA timeframe. Please delete account Name XXXX Account number XXXX.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

XXXX XXXX XXXX Marcus Bank  locked and closed my Savings acct. XXXX XXXX said account XXXX is closed and fund {$7500.00} will be mailed back to me to the address on file in a few days. 
XXXX XXXX spoke with XXXX XXXX hold for 50 minutes and supervisor will call me back. Never did. 
XXXX spoke will XXXX and told a manager XXXX will me back. XXXX XXXX called back stating acct is being closed. Fund will be forwarded to my linked external XXXX XXXX XXXX in 1 ~2 weeks. 
XXXX spoke with XXXX. Acct is closed {$7500.00} will transferred to my linked external XXXX XXXX XXXX  - XXXX. 
XXXX spoke with XXXX. He said a supervisor will call me back TODAY to wrap up this case. Never did. 

So far 3 conflicting statement were given to me. 

XXXX supervisor XXXX. She said she closed the acct and transferred the {$7500.00} to my external XXXX XXXX. case # XXXX. Fund will show up to XXXX XXXX  in XXXX days. But it did not happen. 

XXXX supervisor XXXX told me XXXX had some internal error. Fund did not go out before. Fund now transferred out to XXXX XXXX  XXXX XXXX ET with case # XXXX. 

I have not received my money so far. 
Marcus Bank  lied to me over and over and held my money for 2 weeks so far. This is very unprofessional and criminal.
Consumer complaint received 2023-02-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/XXXX I was contacted on XXXX from a girl named XXXX XXXX. Her message said the following : Hi, do you happen to have your student loans thru Wells Fargo? I am asking because they sent me paperwork with your information on it and wanted you to be aware of that ... .you may want to call them and check in. I checked this message on XX/XX/XXXX @ XXXX because I dont keep up with my messages on XXXX XXXX I responded back last night and said XXXX, thanks for the heads up! That is very odd. I called Wells Fargo this morning and they said the last communication they had with me was on XX/XX/XXXX about receiving a XXXX XXXX Payoff amount. After doing some research on the individual, I did not think this was a fraud or a scam because she had pictures of her wedding and her mother/brother etc was commenting on everything. I asked how she received this paperwork and she said that she asked Wells Fargo for a Payoff quote and they sent my loan payoff quote information to her email address. I did not ask for her email address or any other information. I have contacted XXXX XXXX, my new student loan refinance and have changed all my passwords on my account. I am entering this claim because Wells Fargo has gone past their privacy policy and shared my information with another individual who had to message me on XXXX about it. I am not happy with the service I received and they have done nothing to make me feel that I am protected along with my personal information.
Consumer complaint received 2023-02-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BTH Management (TX)

I entered into a bankruptcy back in XXXX. This bankruptcy was XXXX in XXXX. The collection company Plaza Services , LLC placed a new collection on my credit report as if I opened an account with them in XX/XX/XXXX. This is deceptive trade practices, and I should be protected as a consumer against this fraudulent reporting on my credit report.
Consumer complaint received 2021-05-24
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: LoanCare, LLC (FL)

i have a loan with loan care # XXXX phone # XXXX i have agreement with loan care due covid -19 forbearence plan set up for180 days because my loan is a XXXX XXXX holder and now loan care reported to XXXX  my credit agency that i am delinquent 60 days XXXX  have fisco score down from XXXX to XXXX i want to disputed because loan care told me that it reported that way and XXXX  told me laon care reported as dilinquent i need this matter to resolved by loan care thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

My loans were consolidated six in all at supposedly 2.2 percent on a 10 year loan. I paid on time for 10 years with a 2 year deferment while I went bankrupt. I looked to see if I could pay of the remaining balance because it should have been close to payoff. Instead the balance was unchanged. I challenged AES about the balance and they sent me documents that showed the interest rate at 7.25 percent which I never signed for. The documents contain very little information and no terms and conditions and the signature at the end is a supposedly electronic signature but there is no way I would have signed those documents. This ends up being like a 50 year loan. They must have had the terms and conditions at some point in order to set up a legal repayment plan. I believe it is a clerical error on their part and then they fraudulently forged document to cover their error. The documents provided meet no legal standards, it doesn't contain any identifiers doesn't say the lender doing the loan and mainly it says I was unemployed which I in no way was. They didn't have my employers information so they put unemployed which right there tells me it was altered not to mention the other things altered. Is seems pretty likely that AES altered the paperwork because they would have had to know that this payment plan would take 50 years and would not meet Federal Student Loan Guideline. If they did not know this loan was wonky then they should not be a student loan servicer.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I refinanced my car loan with XXXX. Previously I had a couple personal loans with them as well, they were fine, no problems. This loan 's not being properly reported to credit bureaus. They report it only to XXXX. Not Trans Union, not XXXX have any information about this loan, which is hurting my credit score. I tried to contact XXXX XXXX 's customer service by the phone and via mail. In the past 6 months I've made about 4-5 phone calls. The last one was about a month ago. Every time they say, that they'll look into it. I also mailed a letter about a couple months ago to the address on the back of the statement ( the one they say to use, if credit reporting is incorrect ). A couple weeks ago they sent me an email asking to write a review on their website, which I did. I gave them 2 stars out of 5 and explained the situation. Thought it might attract their attention. All they did is blocked my review and sent me another email, saying that the review did not meet they guidelines.
Consumer complaint received 2022-11-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (TX)

Hello, I have a VA loan and my mortgage servicer is BSI Financial. BSI denied my application for mortgage assistance in XXXX without first requesting authorization from the VA Loan Technician assigned to my loan. I appealed the denial. My Loss Mitigation representative XXXX XXXX avoided all emails, texts, phone calls and voice messages for nearly a year and this has cause my loan to fall so far behind and into foreclosure twice. The VA loan technician authorized relief for the loan. Despite VA authorization, BSI did not award assistance and the mortgage was accelerated and a foreclosure sale date was set for XX/XX/2022. I managed to have her supervisor XXXX XXXX pull the sale because my single point of contact ( SPOC ) XXXX XXXX had been non-responsive for months concerning the application, appeal, and VA Loan Technician authorization. Despite the sale being pulled, I had no further contact with BSI to pursue another application for mortgage assistance. I continued to contact my BSI XXXX to pursue mortgage assistance and had no response regarding the loan modification denial appeal letter I sent. XX/XX/2022, I received a call with ( BSI Financial appearing on the caller ID ) informing me I had been approved for a loan modification and to make payments. I have now learned I was targeted by scammers and they have defrauded me out of 5 monthly payments of {$1700.00} each totaling {$8800.00}. I filed a police report and traced the postal money orders. I believe BSI had a data breach and did not tell me about it or may be complicit in the fraud. Five days after paying the scammer the last payment on XX/XX/2022 my ( XXXX ) finally reaches out to me on XX/XX/2022 after not having any communication with her for a year asks me what did I want to do with the house and had no clue as to where we last left off with my loan. I learned via Attorney XXXX XXXX that my house was again set for foreclosure in XX/XX/2022. I had no clue and my ( SPOC ) didn't inform me about the sale. A buyer walked into my yard and he stated that my house was listed on the website for foreclosure XX/XX/2022. No one informed me. The sale was pulled after a conference call was made with a nonprofit law firm/VA representative and BSI concerning the payments I had made, learning the payments were not received by BSI, and inquiring about late responses to a request for information the non-profit law firm prepared for me to send so that I could learn what had been done on my application since I had not received anything in writing. I applied for mortgage assistance last week and no decision has been made. I would like to sue for servicing error for delay and mortgage assistance that was denied before the escalation in interest rates which has doubled since I first applied after BSI failure to contact the VA and VA approval of assistance.
Consumer complaint received 2021-12-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (NY)

On XX/XX/XXXX, my older brother XXXX XXXX asked me to co-sign on a vehicle that he planned on financing in the state of Florida. To my knowledge, the account was closed out in XXXX in the amount of {$6300.00}. My credit report ( attached ) also shows the account as closed. On three separate occasions over the course of 3 years, I have had to explain why a closed auto loan from SANTANDER CONSUMER USA INC has shown up as a collection mark on my credit report. On XX/XX/XXXX, I contacted XXXX XXXX XXXX to get a debt deletion letter, since I plan on purchasing a home soon. The manager, XXXX XXXX promised to send the letter on two separate occasions and has still not complied.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

A few months back I called all three credit bureaus regarding inaccurate inconsistencies on my credit report. I sent letters via **Certified Mail** including my ID SSN and a utility bill proving my address and identity. Yet, still the multiple inaccurate inconsistencies still remain on my credit report. I've yet to receive any information about an investigation on my report which brings me here. Please help
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I used a money transferring app that is directly linked to my bank account to make 4 payments, but I was being scammed. As soon as I realized this was a scam and not a legitimate company, I called my bank so they would stop the payments. But all they said is they would file a dispute. They allowed the transfer to happen and then told me it was the money transferring apps responsibility. The app blames the bank and viceversa, and none of the involved parties ( Santander Bank and XXXX ) are doing anything to reverse the four transactions. I sent {$4000.00} to the scammers. Please, I need my money back.
Consumer complaint received 2021-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JNR Adjustment Company, Inc (FL)

Hello, a creditor reached out to me about a two months ago about a debt that is not mine. I told them by email that its not mine and I dont know where that is coming from. They keep on treating me and sending me letters of something I have no idea why theyre trying to charge me so much money for what I dont know.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2022-11-17
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)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : XXXXXXXX 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
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION ()

Last XX/XX/2018 i transferred money To the XXXX using Xoom money transfer. It cost XXXX $ and and i will recieve XXXX php but they said to submit IDs and bank statement which i did but they still ask me to call them for verification which i also did but no one is answering. Please help me
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX - XX/XX/2023
Consumer complaint received 2021-10-22
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: Santander Consumer USA Holdings Inc. (GA)

Ive had car with Santander/Chrysler Capital for almost 3 yrs I pay every month ( a ) nothing goes towards the principle, everything goes towards interest which I paid {$2000.00} inXX/XX/2021 and none went to principle ( b ) I pay every month and on my credit report there are a lot of inconsistencies, likeXX/XX/2021-ok, then XX/XX/2021- 60days past due ( c ) my balance Im still the same since the first day I got the car. I have disputed with XXXX and XXXX yet nothing has changed. I feel they are and have been taking advantage of me this entireloan, false advertising. Ive contacted Santander/Chrysler capital they are giving me run around not explaining or caring. I recently asked them for a copy of my payment history which I will attach when prompted to. Please look into this as I know they have recently been identified as loan sharks, taking advantage of ppl with outrageous rates, rates where ppl will never be able to pay their loans off through them. Please help, I am one of their victims
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (TX)

Coinbase withdrew {$500.00} from my bank account twice without my authorization starting XX/XX/21. They then froze me out of my own account, which remains frozen to this day XX/XX/21. With funds over {$3500.00} at the time, I could have cashed out at the peak for XXXX. I contacted the company over 10 times and they could not care less. I have seen thousands of other people sharing the exact same experience online as well. My guess was to freeze accounts in order to inflate their holding prior to their IPO. 

Do not use Coinbase
Consumer complaint received 2022-11-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery is violating my consumer rights by furnishing inaccurate information to XXXX that is not even on my XXXX or XXXX. This defamation of character has led to me being a victim of unfair, abusive, and deceitful debt collection practices. On XX/XX/XXXX I sent Portfolio Recovery a letter to comply with 15 USC 1692g and they have not. I am enclosing a copy of the letter I sent to them, a copy of inaccurate information furnished to consumer report and a copy of my drivers license as proper identification.
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-11-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (VA)

A lawsuit was won against Santander and I fall under the criteria for loan deletion off of my credit report based off of -the time frame I opened my account with Santander -credit score & income at the time of loan signing -falling delinquent and repossession under 12 months after signing - high interest rates I was a XXXX year old victim of predatory practices by Santander. I did not have my job for more than a month, not enough income, no down payment, bad/little to no credit, no drivers license, a trade in with no title. Etc talked into a contract with Santander because they were the only bank that would accept me. 

I have contacted Santander on multiple occasions to inform them of not completing my credit deletion despite mandatory order. They will not do it and wont tell me why they wont even though I fall under the judgment criteria. They wont send me any paperwork requested or provide me with my credit information at the time of signing. I disputed with XXXX  and spoke to XXXX. XXXX refereed me to Santander and Santander refereed me to AG Virginia. XXXX does not handle credit deleting only the restitution payments. I was told to file a complaint again. 

Account opened XX/XX/XXXX Behind on payments XX/XX/XXXX Repossessed XX/XX/XXXX On top of non quality consumer. 
Credit/income etc. 

I have all credit information showing I fit under the criteria for loan forgiveness