davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
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: Experian Information Solutions Inc. (IL)

After a review of my credit report I began disputing a fraudulent account appearing on my credit report. 
XXXX performed their investigation and removed the fraudulent account. I continued to dispute with XXXX and Experian with no resolve until submitting a complaint with the FTC. 
After the FTC complaint investigation, XXXX  then removed the fraudulent account. 
Experian changed the name of the disputed fraudulent creditor to the name of yet another fraudulent creditor using the same information ( alleged account number, alleged amount, etc. ) I have filed another complaint with the FTC. This alleged account has been investigated and removed twice already and Experian continues to reinsert this fraudulent account under different name variations.
Consumer complaint received 2021-07-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (OR)

Kraken takes a deposit and refuses to release it unless you pay them more. They will not refund it to the original source either. When contacted they were less than cooperative and are holding my money ransom. They want to collect more transaction fees.
Consumer complaint received 2019-11-06
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: AMERICAN HONDA FINANCE CORP (AZ)

American Honda Finance has reported an item to my report in XX/XX/XXXX. 
That item is due to be removed in XX/XX/XXXX. 

American Honda Finance has reported this item again ... just listed as a different amount and status. This account is considered a continuation of the original debt. 
It is a violation of law for any financial institution or finance company to report old, past due amounts as they are new again when debts are sold or charged off. 

I will look into the legalities of this and what my options are.
Consumer complaint received 2017-11-06
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. (MD)

On or about XX/XX/XXXX I was notified by my lender that two tax liens from the State of XXXX appeared on my credit report. The Equifax credit score was XXXX. The tax liens were paid and released in XX/XX/XXXX. I filed a dispute with Equifax. On XX/XX/XXXX Equifax notified me in writing that the dispute had been investigated and completed. The results were that the tax liens reported on my report was updated report satisfied/released. I asked Equifax if they would contact the lender to update the report and credit score. Equifax stated that they could not contact the lender, who pulled the credit report, nor could they give me the new credit scores without paying {$7.00} and waiting 7-10 days for the score to be sent via us mail. The Equifax credit agent told me to have the bank re-pull the credit report to see the updated information. The bank re-pulled the credit report and discovered the following ; 1. The credit update was only made to my report and not my wife 's report as requested. 2. The credit score went down from XXXX after the two tax liens were removed from the report. I made several attempts to gain an explanation and get the credit scores to reflect the removal of the negative information, to no avail. Equifax stated that when the bank re-ran the report, as they requested the bank do, the credit score went down. This makes no sense. How does a credit score go down after negative information is removed?
Consumer complaint received 2017-11-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NC)

I lost a job in XXXX 2017. I notified the Ditech LLC mortgage company that i was seeking HUD counseling and that i started a new job but with much lower pay. With a counselor on the line the mortgage company agreed to do a payment plan each month until i was current. A month later i attempted to make a payment over the phone and i was told i was misinformed and that i could not make a payment below 50 % of what was owed as my loan is an FHA loan. This caused me to become further behind as i could not make a payment each month that was satisfactory. The company is now trying to foreclose my home.
Consumer complaint received 2021-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (PA)

We are receiving robo calls from Navient XXXX two or more times a day except on the weekend. When we pick up it states to select an option to connect to loan agent. We do not have any loans and are older and retired. I looked up the company and it is for student loans. Neither of us had a student loan. We would like the calls to stop.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NJ)

I have two Discover credit cards. I used XXXX XXXX bill pay services to pay the XX/XX/XXXX payments and received delivery confirmation on both checks. One was on XX/XX/XXXX ( Amount {$300.00} ) and XX/XX/XXXX ( Amount {$750.00} ) respectively for each card. Both checks are CONFIRMED as delivered by XXXX XXXX XXXXs. To get the payment address I used XXXX to locate the Discover website that published the payment address by typing " payment address for Discover Card ''. 
The search resulted in the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This shows XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX as the payment address. Furthermore, the link goes to : https : //www.discover.com/XXXX  which is a published web page for Discover payments. The checks I mailed to this address were not cashed ; however I have payment delivery confirmation. A few weeks later, Discover reported me as 30 days late on my credit report for both accounts. Upon calling them to find out why, they maintain that the published address on their website is NOT the actual payment address and even though I have delivery confirmation, they refuse to reverse the negative credit reporting even though they were paid by me. 

This situation, through no fault of my own, has caused my FICO score to drop over 100 points and has caused me to be declined for credit on several very important loans. Discover should reverse the negative report since I can clearly provide delivery confirmation for the financial instruments and used a clearly published address.
Consumer complaint received 2019-05-22
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: TCF NATIONAL BANK (OH)

GATEWAYONE LENDING Account # XXXX Date Opened - XX/XX/2013 Balance - {$16000.00} Not my account. Shows open with several late payments. After continued requests to remove this error from my credit reports, I have gotten no response from GatewayOne Lending.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently ordered my credit report from Transunion and noticed a number of unauthorized enquiries.There were enquiries from XXXX/XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX /XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX ... XX/XX/XXXX ... XX/XX/XXXX ... XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I called and spoke to a representative who advised me that nothing can be done.Iam therefore reaching out to this entity to do an investigation because I would like these enquiries removed .TY
Consumer complaint received 2017-11-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

XXXX XXXX XXXX XXXX, New York XXXX RE : APPEAL Loan Modification - ACCOUNT NUMBER XXXX SCAMMED THROUGH XXXX XXXX XXXX, HIRED BY OCWEN LOAN SERVICING To whom it may concern : I am writing to APPEAL and in regards to a loan modification that was offered to me on XX/XX/XXXX via XXXX XXXX XXXX, a company which YOU HIRED TO FORECLOSE ON ME AND TAKE MY HOME AWAY FROM ME. 

Then on XX/XX/XXXX you send me a letter detailing the denial which states I have 30 days to appeal From the date of the XX/XX/XXXX letter. But you went ahead and started the foreclosure process already. 

I did not accept this modification because you did not do YOUR part to come up with a successful loan modification. A SUCCESSFUL LOAN MODIFICATION TO ALLOW A HOME OWNER TO STAY IN THERE HOME and A LOAN MODIFICATION THE ADHERES TO THE LAW SUIT THAT WAS SETTLED BETWEEN OCWEN AND THE CONSUMER FINANCE PROTECTION BUREAU OVER THE SUMMER OF XX/XX/XXXX. 

FIRST OFF, YOUR DENIAL FOR FUTURE MODIFICATION STATES THE ACCOUNT HOLDER WITHDREW HIS APPLICATION. I DID NOTHING OF THE SORT, I DID NOT WITHDRAW MY APPLICATION. XXXX XXXX XXXX A FIRM THAT YOU HIRED TO DO LOAN MODIFICATION REACHED OUT TO ME, I DID NOT REACH OUT TO THEM, GET THAT STRAIGHT. 

SECONDLY THEY WHERE CONTACTING ME AT MY PLACE OF EMPLOYMENT WHICH IS AGAINST THE LAW. WHY WOULD YOU HIRE OR WORK WITH THIS XXXX XXXX COMPANY AS XXXX XXXX XXXX AND HARRASS HOME OWNERES AT THERE PLACE OF EMPLOYMENT. 

I WAS XXXX XXXX SCAMMED BY OCWEN BECAUSE EVERYTHING THAT I HAVE READ ABOUT XXXX XXXX XXXX STATES THEY WORK WITH OCWEN IN MODIFING HOME LOANS. 

AMOUNGST ALL THE OTHER ILLEGAL PRACTICES YOUR FIRM DOES YOU HIRE XXXX XXXX XXXX TO DO YOUR LOAN MODIFICATIONS FOR YOU. THIS NEEDS TO BE LOOKED INTO BY THE CONSUMER FINANCE PROTECTION BUREAU AND AGAIN ANOTHER LAW SUITE AGAINST OCWEN. I REFUSE TO LOOSE MY HOME AND PROPERTY AGAINST THE XXXX XXXX LIKE OCWEN AND XXXX XXXX XXXX.

YES TAKE THIS AS AN APPEAL AND THIS APPEAL WILL BE FILED WITH THE CONSUMER FINANCE PROTECTION BUREAU ASASP. 

CFPB NEEDS TO SHUT XXXX LIKE YOU DOWN. Thank you Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

This account was on autopay. There should be no balance on the sccount. Was not aware of the balance until it went to collections. Need this removed immeduately and if they prove that i have not paid it, i will pay it. I moved in XXXX 2015 and have not had XXXX since.
Consumer complaint received 2017-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I received a letter on XX/XX/XXXX under my name and my ex wife 's name at my parents address. The debt is tied to my ex-wife and the divorce decree states all debt under her name is owed by her and not me. This is the first letter I have ever received and from Transworld Systems Inc. ( XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX ). The letter was dated XX/XX/XXXX to my name for the amount of {$60.00}, the original creditor is XXXX XXXX, patient name is ex-wife, and account is under ex-wife. The second letter I received was dated XX/XX/XXXX to ex-wife name for amount of {$16.00}, the original creditor is XXXX XXXX, patient name is ex-wife and account is under ex-wife. The account name on each letter at bottom is my ex-wife.This is the first time I have heard of these debts and due to the divorce decree, these are not my debts. Also, this was sent to my parent 's address, which is very disturbing and would like removed from any records.
Consumer complaint received 2017-11-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Recovery Consultants, Inc. (OH)

I get repeated phone calls from XXXX regarding debt collection. I have no debts in collections. I have a car loan that is ten months ahead, a credit card that is paid off in full every month and all of my medical bills are paid off completely. I do not have any active collections accounts in my credit report. I XXXX the number and it comes back as Professional Recovery Consultants. I have had no written notice from anybody about any kind of debt that I have in collections and believe this to be a scam operation.
Consumer complaint received 2017-11-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

This is an update to a previously submitted complaint ( XX/XX/XXXX ) regarding multiple violations during the mortgage refinance application process and refusal to properly release the appraisal. I have an updated request due to the time limitations ( if action is not taken soon, appraisal will expire ) as well as Wells Fargo 's failure to communicate in a timely manner. Per my last conversation with Wells Fargo representative on XX/XX/XXXX, I was to receive an update by XXXX on XX/XX/XXXX. That did not happen, adding to the pattern of habitually late responses. Therefore, if appraisal is not completely released ( per guidelines already discussed with Wells Fargo ) before it expires, I am seeking financial damages in the full amount paid for the appraisal.
Consumer complaint received 2022-09-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (MD)

I purchased a refrigerator from XXXX XXXX on XX/XX/2022 and was offered what I thought was a line of credit or payment plan for the total close to {$1500.00}. I set everything up to make reasonable, semi-monthly payments. 

On XX/XX/2022 I received a transaction receipt that showed my remaining balance to be over {$4000.00}! When I logged into my American First account it showed NO copy of the original agreement. I have tirelessly combed through my emails as well. 

Upon further investigation, it seems this is a COMMON predatory lending practice with this company. I am disgusted. 

I attempted emailing, calling and using the chat now feature on the website on XX/XX/2022. Moments later the website showed a message that is was down for scheduled maintenance.
Consumer complaint received 2022-03-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc. (TX)

Direct deposit arrived to my bank account and was on hold for a few days. Upon contacting them they finaly saw the deposits for the amounts of XXXX, XXXX and XXXX dollars respectively that arrived to the coinbase XXXX  between the XXXX of XX/XX/2022. After many days making phone calls between banks and sending them complain tickets to get my money resolved they ended up cancelling the direct deposits because they thought it was fraud without returning the money to the original sender. That money was from my XXXX XXXX work and i think they somehow confiscated the money because after weeks those funds never were returned. I have receipts and evidence of them admitting they've seen the funds hitting my account without clearing them. I need this money for a family of XXXX including a baby and cant loose my money just because they thought the money was fraud. If they didnt want to accept a direct deposit they should at least return it to the original sender so that the funds can go to the correct person. I am a XXXX XXXX XXXX  and those funds were hard earned and needed for food and housing needs for my family.
Consumer complaint received 2018-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I have requested an updated payment amount since XX/XX/XXXX. In XX/XX/XXXX I  paid off a loan and requested my remaining loan have the same amount taken out each month since you can't customize the payment amount on the website. I called and spoke to a representative and my payment was not updated. When the payment processed on XX/XX/XXXX, it was only half the amount so I emailed them again and received a generic response. On XX/XX/XXXX I finally received a response stating they will update my payment to the amount I requested in writing. XX/XX/XXXX payment on XX/XX/XXXX was the only payment that processed at the correct amount. XX/XX/XXXX it reverted back to a smaller payment. They keep taking out less than I requested and as a result I am accruing more in interest and my estimated payoff is months longer.
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was preapproved for {$380000.00} for financing and explained to the loan officer or credit solutions advisor as his title states later told me he didn't want to do the financing for the multiple properties that I was in contract on. The person helping me at the location is named XXXX XXXX and in my 17 years of buying and selling real estate, I have never had such a bad experience. I can't even find a way to go to the location in person to complain because that branch is temporarily closed. I'm beyond upset and frustrated to say the least. I've requested updates and have not received any response.
Consumer complaint received 2017-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

The aforementioned credit collection agency representing XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Procollect does not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

1st Issue : First and foremost this is a fraudulent transaction ; BoA should treat this as such. The vehicle purchased via XXXX, paid through XXXX, using my BoA XXXX card is a " not as described case ''. 

2nd Issue : BoA reviewed their records and indicated they provided service per procedure ; however, BoA overlooked conversations with BoA representatives who provided instructions to get repair cost estimates and then subsequently make the required repairs, then dispute additional incurred costs via a chargeback for the additional amount to complete the required repairs.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Bank of America is reporting a late on my credit file. This late is for XX/XX/21. I did not receive any notices, calls or letter about the delinquency and didnt know i was past due until the late hit my credit. I was unaware of an annual fee that had been charged to my account. I have had this account open for a long time and never missed a payment, my credit is perfect other than this late. I didnt know that fee was going to be charged and if i would of know it would have been taken care of. Please remove this late from my credit file.
Consumer complaint received 2017-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK (TN)

On X/X/2017 I opened an XXXX checking through their website using the link provided on their site displaying a promotion for opening a new account. The promotion was for a {$300.00} bonus after opening a new account with an opening deposit of {$300.00} and two direct deposits of {$100.00} in 60 days. This promotion is STILL being offered on their site ( with different terms ). I met all requirements and they refuse to give me my bonus. I 've contacted them several times. The first time they responded saying the bonus was on my account and I would get after meeting requirements. The second time they said I applied after the expiration date??? which is NOT true. Now, after a third time they tell me the reason i 'm not getting it is because I needed to have a direct mailer which is also NOT true. I had a friend do this without a mailer and they got the bonus. The offer does not state you have to have a mailer. It says bring a mailer in OR apply online using code XXXX, which is what I did. Everytime I get a different excuse! The offer was on my account, their agent said so! I 'm in middle TN so I 'm in the target area too. Stop giving me the run around, please.
Consumer complaint received 2017-11-21
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: NCB Management Services Inc. (OH)

NCB Management is reporting on my credit report, they misrepresented the character /legal status of the debt, they ruined my credit rating, used unfair means to collect the debt including calling me at work when asked not to, until I felt I had to pay it to stop them from harassing me. I paid the debt through XXXX XXXX XXXX. They are still reporting on my credit reports as a paid collection which is still ruining my credit rating. They are not even the original owners of the debt and have no contract bearing my signature, therefore has no right to report anything on my credit reports. They violated the FDCPA when they harassed me by calling me at work and home on a routine basis until XXXX XXXX XXXX got involved.
Consumer complaint received 2022-03-31
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. (FL)

In accordance with the Fair Credit Reporting Act 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 @ : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-28
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

For years I have been a victim of Identity theft. Ive had over 30 fake collections apply to my credit along with insurance with logging into my online bank to pay bills because of hacking and inaccurately displayed information.

Please contact in regards to the matter.