davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (FL)

Hello there. 
I am XXXX XXXX. 
I called my bank on XX/XX/XXXX to request a payment deferral. I got a call back from Ally on XX/XX/XXXX saying that I was approved for payment deferral. I proceeded with the payment on XX/XX/XXXX. When I was speaking on the phone, I was told XXXX different amounts that I need to pay to accept this. Okay, the last time I called I was told that I need to pay {$480.00} and the remaining needs to be paid by XXXX. 
Now the bank is saying that I'm late on a payment and need to pay for XXXX months, which is over {$3.00} Ally bank. 
Account XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (UT)

Bought a car through XXXX had no problems until the pandemic hit. Hours where lowered in XX/XX/2020 I contacted American Credit Acceptance about diving up my payments. When I did this a payment was missed they never contacted me. When I tried to work out a plan their plan was to pay the amount they wanted and nothing else. The car went to repo XXXX said they would help me refinance if I got it out. I got it since then I have split the payments they are charging me {$11.00} a day in interest the principal has not been paid on at all. The contract set the interest at 28 % yearly. They took this loan knowing I had a low credit score when I ask why they didnt refuse the loan there is no answer. I cant refinance the car because the principal is still so high ACA doesnt refinance they wont work with me plus there records are not accurate. At this point there are 61 payments left they say the car will be paid off. It is because is going that interest I have paid {$5100.00} in interest. I have asked for a statement detailed they failed to send it. When I call they have different people who tell you one thing others tell you another. One person told me they had the right to do something I alter find out they didnt clear it through a supervisor this is wrong.What they post on line is different from the statements sent in the mail. This is also confusing and wrong. I feel they are scamming me on my payments.
Consumer complaint received 2022-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MI)

I was recently granted a temporary forbearance. My payment plan will change to standard repayment instead of the Income Based Repayment plan because of my forbearance. This changes the amount of the monthly payment due drastically. I was able to make my XXXX 2022 IBR payment of {$200.00} early. 

I asked Navient to apply my last payment be applied towards my XXXX 2022 monthly payment. My request was denied because it did not meet the monthly payment minimum. ( because they changed the payment plan ) I get nowhere when I try to call them. Their representatives do not want to or are unable to understand my situation. 

I am so tired of spending time fighting with Navient and constantly explaining what should be very a understandable and clear situation.
Consumer complaint received 2018-10-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Back in XX/XX/XXXX I requested for Experian to validate and delete 3 negative paid/charged off/inaccurate/discharged/closed account for the U.S Department of ( Account # XXXX. Amount {$0.00}, Account # XXXX. Amount {$25000.00} & XXXX. Amount {$21000.00} all closed ) from my credit report. I have sent my last 4th letter to Experian on the XX/XX/XXXX. I have not received any copies contacts promissory notes or accounting records in regards to my request. I called Experian customer service and their rep said they do not have any certified copies proof contacts, promissory notes or accounting records for the debt they claim I owe and display to business and other people through there service portal. XXXX  has deleted these accounts from my credit report within the 30 day time frame after not being able to validate or forward me the copies I requested for. My XXXX credit score is  XXXX & XXXX credit score is XXXX while my Experian credit score is in the mid XXXX. These items are negatively impacting my Experian credit score. I have also been permanently XXXX since XXXX and I have reported this to the Department of Education, loan lenders and collection companies. Experian is involved with illegal business practices and is committing fraud on various levels.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CL Holdings LLC (SC)

on XX/XX/2021 I Request in writing by a Certified mail domestic return receipt validations of debt letter not a request for verification or proof of my mailing address, but a request for validation from Jefferson Capital System to provide me with competent evidence that I have any legal obligation to pay you Jefferson Capital System they sent back a bill I sent another letter on XX/XX/2021 requested Declaration of some type of proof. if your office fails to respond to this validation request and don't send all pages of how you Jefferson Capital System validation the debt, show me the Original Contract that I signed any thing other then a paper bill, payment history, interest rate, payoff disclosure, amount paid since the debt was purchased within 30 days from The date of your receipt Jefferson Capital System sent a letter confirm that they closed their file and terminated collection action but they did not deleted nor remove it how I read it as they will sell the debt knowing its not a validation debt According to the fair credit reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by a FEDERAL law to verify through the physical verification of the original signed consumer contract any and all account you post on a credit report otherwise, anyone could fraudulent a account
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (IL)

Binance.US is preventing me from withdrawing funds since XXXX of XXXX and claims that withdrawals are " suspended due to risk management ''. I've attempted to contact Binance through email several times to rectify the issue ( since XX/XX/2021 ) and have received nothing more than a generic, automated response. There is no way to contact Binance.US via telephone. 

As of today, there is currently {$4100.00} in the account. At one time I attempted to withdraw funds, my portfolio value was approximately {$10000.00}. 

I ask for any and all available relief available to me.
Consumer complaint received 2021-04-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NY)

I picked a car in XX/XX/2015 financed by Santander Consumer USA. The price of the car was {$11000.00}. After the processing, they had created a loan of {$13000.00} including fees and other charges. The monthly instalment was {$340.00} for a period of 5 years. After a time of 6 years, {$24000.00} has been paid back and still a balance of {$7600.00} has to be paid, which is a disaster.
Consumer complaint received 2019-09-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent you a letter notifying you of improper information appearing in my credit report in violation of FACTA. This letter was sent to you by certified mail, return receipt requested, and was received by you. 
Your failure to respond to my demand for correction of my credit report within 30 days is a violation of FACTA. If I do not receive an appropriate response to my original demand letter within 10 days of the date of this letter, I may, without further notice, report your failure to abide by FACTA to the Federal Trade Commission or take other appropriate action. Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accor- dance with the provisions of FACTA , I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/ XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ACCOUNTS : XXXX I also hereby request, in accordance with the provisions of FACTA , that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an infor- mation block has been requested.
Consumer complaint received 2021-03-30
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. (CO)

My vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX in Colorado. Balance written off in the amount of {$9200.00}. In XX/XX/XXXX, XXXX XXXX XXXX XXXX  received {$3200.00} from XXXX XXXX for a hail damage claim for said vehicle, which should have left a balance owed of {$6000.00}. The vehicle was a XXXX XXXX XXXX and worth approximately {$6000.00}. I spoke to an agent for XXXX XXXX XXXX XXXX in XX/XX/XXXX who informed me about the sale of the vehicle. XXXX XXXX gave away the vehicle at a dealer 's auction for only {$800.00} in approximately XXXX or XX/XX/XXXX, and is claiming a deficiency of {$7100.00}. In XX/XX/XXXX, XXXX XXXX was willing to accept {$1500.00} as settlement of the " deficiency '' with payments of {$25.00} per month at that time, but I questioned the unreasonably low sale of the vehicle at that time. The sale of the vehicle was not commercially reasonable. On XX/XX/XXXX, via certified mail, I requested proof that the notices required under XXXX XXXX, XXXX, XXXX and XXXX were properly and timely given. XXXX XXXX received and signed for my certified letter on XX/XX/XXXX, and had XXXX  days to respond. XXXX XXXX  did not respond. XXXX  XXXX XXXX XXXX can not claim a deficiency unless all notices were properly and timely given and all allowable redemption and cure time limits were adhered to. I then wrote to Experian, XXXX  and XXXX  on XX/XX/XXXX, via certified mail. I requested that I be provided the name of anyone with whom they spoke at XXXX XXXX XXXX XXXX during any investigation into the above matter. Experian has responded with generic information about the dispute being " complete '' and only reaffirmed the same information being reported by XXXX XXXX XXXX XXXX. XXXX XXXX has reported for XXXX  months XXXX since XXXX ) that the account was charged off claiming a balance of {$7100.00}. If XXXX XXXX did not realize they gave away the collateral on their own loan at that time when settlement was offered at {$1500.00} in XX/XX/XXXX, then why make the offer? However, XXXX XXXX has continued to verify the amount due of {$7100.00} which can not be substantiated. No notices were given to me. The sale of the vehicle was not commercially reasonable. I am requesting the account be completely removed from my credit report.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST INTERSTATE BANCSYSTEM, INC. (OR)

I am being overcharged interest every month. I am being double charged. I called my card company twice and spoke to XXXX people who said that my rate is XXXX and that is fact. Deal with it. I tried explaining that my purchases were all made under INTRP1 and that I should only be charged that rate, XXXX every month. I was told no, that rate just expired. My rate is XXXX and it just changed. I said that is not correct. I am being charged 2 rates every month. My statements show 2 rates every month with charges All the purchases that I have made per my statements come under the INTRP1 plan. That rate is XXXX. 
My last purchase was made on XX/XX/27 and came under INTRP1 plan. 
In XXXX, fraud transactions were put on my card that were not mine. All the fraud transactions were put on the XXXX. I told my card that these are not my transactions and I disputed them. I did not make those transactions. My card was credited back for the transactions but now I am being billed for the XXXX rate every month since the fraud transactions. The XXXX has a variable rate. On my XXXX statement the rate for this plan was XXXX have been billed interest for this plan since XXXX, right after the fraud transactions were billed under this plan. I asked my card to stop billing me interest for the fraud transactions and I was told that is not what is happening. My rate is XXXX. Again, I said that is not right.
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act list of accounts below has violated my federal protect the consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX  account number XXXX. 
Account name XXXX account number XXXX Account name XXXX XXXX Account number XXXX, XXXX. 
Account name is XXXX XXXX, XXXX account number XXXX. 
Account XXXX XXXX XXXX account number XXXX 15 USC 1681 section 602 ( a ) states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 : it also states that a consumer reporting agency can not furnish all account without my written instructions.

15 USC 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 USC, 1681s-2 ( a ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency. If the person knows our has reasonable calls to believe that the information is in accurate.
Consumer complaint received 2022-05-03
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  Account # XXXX XXXX  Account # XXXX XXXX  Accounts Account # XXXX XXXX  Account # 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.
Consumer complaint received 2020-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (MA)

Received a letter from FBCS saying {$250.00} is owed and the original creditor was listed as the doctors office I use. I have never received any bills which is odd because they have always sent notices if I forgot to pay a bill. They have never called either and that usually happens as well. I called the doctor and they have no record of anything owed and they confirmed they do not even work with FBCS nor have they heard of them. So I looked up FBCS on the internet and XXXX  seems legit numbers and addresses match on the mail I got. So I decide I'll call the company as it must be a mistake. FBCS told me the doctors office sent it to them so the doctors office wouldn't have any record of it anymore. They said I should just pay it since it is small. They tried to make me log into a website with my SSN and when I refused to do that they said they would confirm the last 4 with me to prove they already had the info. Guy on phone sounds surprised and says " just sign in with XXXX  because it looks like we don't have the social security number ''. I get errors still can't sign in to " see '' the bill. I asked what can be done because the doctors office is saying they don't even work with you and I don't owe this and my spouse doesn't owe anything either. They told me I couldn't do anything to dispute the debt with them and would have to call the doctors office and speak to the supervisor there because I do owe the money but I should just pay it because it is small. Fbcs also said the doctors office sent the debt to them on XX/XX/2020. I have another call into the doctors office to see if any patient info has been stolen because FBCS does have the correct name, address and doctors office which is worrisome.
Consumer complaint received 2021-06-24
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: Experian Information Solutions Inc. (CA)

XXXX XXXX has been reporting a {$65.00} collection on my credit file for over 5 years. 
I disputed this account 5 times. XXXX sold me a defective phone for {$380.00} dollars Never fixed it. service was bad and I could not use the phone. I paid them in full Even I did not have too. XXXX is damaging my credit file along with Experian and XXXX XXXX not following the fair credit reporting law. I cant refinance my house because Of this collection on my credit file. There two choice I have XXXX to remove this collection I will sue XXXX for defective XXXX XXXX bad service and XXXX will Pay me back for damaging my credit for no valid reason. They owe me money.
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Bureau of Carbon County (VA)

Collection Cente Inc -Wyoming agreed to remove my account from my Credit Reports on XX/XX/2019 on a recorded line. I agreed to the terms and made a payment of {$940.00}. However, upon checking my credit reports, this account was not removed. Instead they showed the balance at XXXX dollars and the account closed. I called back and the customer service representative said that " they don't remove accounts. '' However, that was not the terms I had agreed to. This was a fraudulent debt that this agency continued to harass me about and when I agreed to make the payment in full, provided they delete this account from my credit reports, they refused to do what they said. This is illegal and unethical and this company should be held accountable.
Consumer complaint received 2018-03-07
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. (FL)

In early XX/XX/XXXX, I checked my credit score / accounts status on XXXX XXXX, and noticed that there were charges amounting to {$1200.00} on a credit card that I hadn't used in years. The charges were made on XX/XX/XXXX. I immediately informed the credit card company, FTC, and also filed a dispute with both Equifax, and XXXX XXXX. Upon completing their investigations, the credit card company established the charge were fraudulent, and issued a credit for the full amount, deactivated the account, and reissued a replacement card. At that time, both Equifax and XXXX XXXX corrected the problem, and my credit score. A short time later, I went back on XXXX XXXX again, and saw that ( only ) Equifax had now taken the same fraudulent charges, and reapplied them to the replacement card, and dropped my credit score again. I called Equifax, and once again a dispute was filed. Ironically, when Equifax had the data breach in XXXX, I was informed that I was among the many who's information was compromised. 
We are now into the third month, and they have yet to correct their information, despite what the credit card company has concluded, as well as sent me a letter stating such. Dealing with Equifax has been nothing short of frustrating.
Consumer complaint received 2022-05-03
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harris & Harris, Ltd. (PA)

The XXXX  XXXX has been fraudulently submitting charges. I had a cop magnet placed next to my license plate in order to prevent fraudulent charges I was aware started happening around XX/XX/2021. The photos taken of my car entering and exiting toll booths does NOT display the cop magnet I placed if looking from the rear of my car the magnet was placed to the left of my license plate. The magnet does NOT appear in any photos. This has been occurring since XX/XX/2021.