davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-03
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: American Credit Acceptance, LLC (CA)

My car was repossessed around late XX/XX/XXXX or early XX/XX/XXXX American Credit Acceptance. I redeemed the vehicle within the allotted timeframe. I was told all monies past due, the next month 's payment, fees, and recovery charges were due in oder to redeem the car. So that is what I did. Within a few days of getting the car back, I received a bill saying I owed over {$100.00} after they just said everything was due before I could get the car back. American Credit Acceptance has not reported to ANY of the credit bureaus nor provided me a statement or accurate balance since then. Every week most times several days a week I received harassing calls threatening to repossess my car even though I have made double and triple payments. I've had to take their word and pay whatever they said to pay. They kept saying they weren't bound by law to provide statements once the car had been repoed. This goes on for 27-28 months I had to write down what I paid, when and the balance. They said the was not any interest being charged at this point and the balance was simple, but they would confirm this with writing. On XX/XX/XXXX while getting ready to remit payment for the month XXXX XXXX of month XXXX they say 11 of my payments were reversed and the were picking my up, out to call back sayin it was a mistake. The balance was agreed back in XX/XX/XXXX that it was {$10000.00} and then XX/XX/XXXX the account status change and the balance Is now over {$15000.00}. They still have not fixed this " system issue '', no one has called back to give me an update on it and I been sending letters to American Credit Acceptance and the credit bureaus every month since XX/XX/XXXX and neither have responded to any of my letters. By law, they are supposed to conduct their investigations and respond to the consumer wishing 30 days. Now they have decided to begin reporting again ( INACCURATELY with the balance and missing 27-28 months of history ) and have caused my score to drop almost 60 POINTS!!!
Consumer complaint received 2022-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Ygrene Energy Fund Inc. (FL)

I'm being charged by Ygrene / XXXX XXXX, for work that was not done. No doors were ever installed on my property but I'm being billed for them and YGrene ( XXXX XXXX ) refuses to remove these items from my billing. 

I'm also being billed for 2 canceled contracts Ygrene contract # XXXX was not completed. Their contractor ( XXXX XXXX ) did not make me aware that the work was incomplete at the time he requested final approval for payment. 

No doors were ever installed. This was confirmed by the contractor himself, documented by their Ygrene representative and submitted for correction. However Ygrene refuses to correct this billing, siting time lapse. 

Also, charges for the two contracts XXXX and XXXX were cancelled and should be completely removed from my bill.
Consumer complaint received 2017-03-05
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (CA)

Ad Astra Recovery Services has been trying to collect a Debt that has been paid in full. They also have entered the information on my credit bureau file showing i still owe the debt with a negative entry. I never received any communication from the original creditor that I still owe this debt. This debt with XXXX ( the original creditor ) has been paid in full. XXXX is evening emailing me on a daily basis to let me know that I can be approved for another loan with their company. I also have screen shots showing that I have no loans outstanding and that my account is paid in full.
Consumer complaint received 2015-05-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION (IL)

I am in the process of purchasing a home for my son and his family. WHile completing the mortgage application, there was a judgement that appeared on my credit report. I have no idea what this is from. 
My loan officer assited in researching the matter as the only number listed on the credit report is the courthouse. 
I filed Chapter XXXX BK in 1999. I included all credit card debt at that time. 
My credit report shows the Planitff as Cach LLC ( XXXX ) with an amount owed of {$6300.00}. After calling CACH, they sent me to XXXX XXXX XXXX CO who apparently now has the debt. I spoke with XXXX XXXX ( XXXX ) who informed me that the debt was from a XXXX XXXX account. The debt is now {$9500.00}. I pulled my BK papers and reviewed the debt that was included in the BK and non show XXXX XXXX. I know there are a few credit cards companies listed on my BK papers that are no longer in existence which is hard to follow and obtain docuemntation ont his debt. 
I asked for the credit card agreement that was signed and was told a request was sent and the timeframe was uncertain. 

I would like proof that this debt exists and how I owe {$9500.00} when the judgement shows XXXX. 

Please call me at XXXX if any additional information is required as I would like to resolve this matter ASAP.
Consumer complaint received 2016-06-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I noticed that my account had a negative balance. As I looked at the account, I noticed that a pending transaction was listed and the balance was positive but a {$35.00} overdraft transaction was incurred. I spoke with the representative and they stated that the pending transaction was included in my available balance although the item is still processing and the merchant has not processed a receipt. I feel as though this is an unfair practice that puts consumers at risk.
Consumer complaint received 2016-04-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: J J Marshall & Associates, Inc (NM)

My account shows XXXX accounts from XXXX separate amounts with a credit union that I had no prior business with and a medical bill that was paid 5 years ago. I 've tried to gain access to XXXX and the qualifying questions do n't match with the information that I have to continue with the process.
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (AZ)

In XXXX, I changed employment and called American Express to cancel a business card associated with my social security number that I was obligated to pay. The employee I spoke with at American Express convinced me not to cancel the card, but rather to " freeze '' the card, assuring me no future charges could ever be made against that card. In XXXX, I get a notification that charge for {$1000.00} was posted to my " frozen '' credit card. I called American Express customer service to inquire how a charge could be posted to my account after it had been frozen. They told me cards can not be frozen and that I would be responsible for the charge despite them having told me that no charges could be made on the card. Their supervisor even went so far as to say they may not be able to retrieve the recorded phone call wherein American Express communicated that the card would be frozen and no future charges could be made against the card - convenient. It appears to me that American Express is trying to retain customers at the customers expense and against the customer 's wishes.
Consumer complaint received 2019-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX we deposited a check from XXXX XXXX XXXX for {$32000.00} into our son 's Chase account to pay for his vet school tuition. Chase, on the deposit slip, said that the funds would be available on XX/XX/XXXX. The funds were transferred from our XXXX XXXX account on XX/XX/XXXX. On XX/XX/XXXX the funds were still not available and the Internet Chase site stated that it would not be available until XX/XX/XXXX. I went to my local Chase Bank and the banker stated that sometimes Chase does this and that he would call them on Monday and make sure that the funds were freed.
Consumer complaint received 2024-02-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P&B Capital Group, LLC (AR)

Per complaint # XXXX P & B Capital has stated that the original creditor has recalled the account # XXXX and they are no longer reporting. As of XX/XX/2024 P & B Capital Group has falsely reported this account as an open account with a balance due. This account needs to be closed and deleted from my report immediately. P & B Capital Group is in violation of section 607 ( b ).
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/XXXX XXXX  XX/XX/XXXX I notified Transunion and XXXX and they continue to report the same bankruptcy twice. I will attach all documentation that I have sent to them. I even contacted XXXX XXXX and they totally ignored request to validate. 

Double Reporting : TransUnion XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX  Identifier XXXX Type XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX TransUnion XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX Identifier XXXX Type XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX TransUnion XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX  Identifier XXXX XXXX Type XXXX XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Dismissed Disposition Date PUBLIC RECORDS The following public accounts are recorded in your credit report. 
Disposition Date Filed Date XXXX XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX XXXX TransUnion XXXX XXXX Court Name XXXX XXXX XXXX  XXXX  Identifier XXXX Type XXXX Account Ownership Type Attorney Name XXXX XXXX XXXX Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date XXXX Settled Date XXXX Consumer Dispute Indicator XXXX
Consumer complaint received 2016-07-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC (MI)

Capio Partners , LLC is a collection agency who bought an account from XXXX XXXX XXXX in XXXX XXXX for medical care that was rendered on XXXX/XXXX/XXXX. Capio Partner, LLC is reporting the date in XXXX XXXX as the date this account was opened opposed to the original date of XXXX/XXXX/XXXX. Also they are showing this account delinquent in XXXX XXXX opposed to XXXX/XXXX/XXXX. They have re-aged this account which is a violation of federal law.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.
Consumer complaint received 2020-10-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (VA)

In XX/XX/2020 Loan Depot " Pre Qualified '' me to purchase my first home using an FHA/VHDA loan for the down payment assistance grant program ( through the VHDA ) As the process started everything went fine and I provided each and every document to them as requested for the FHA/VHDA loan that they were working to obtain for me that I was " Pre Qualified '' for. I paid the {$500.00} earnest deposit to my real estate agent, paid {$450.00} for a home inspection and paid {$470.00} for an appraisal which Loan Depot insisted on and made me pay for in order to obtain the loan that I was " Pre Qualified '' for only to then be denied for the loan because my name was on the deed of a home with my father but I was NOT on the note for. This home was foreclosed on but again, I was only on the deed and was NOT on the note of the home so I was NOT financially obligated to the note on this home.

When I inquired with Loan Depot about this, all I was told that because I was on the deed I am still responsible for the foreclosure and that the Underwriter would deny the loan because the VHDA would not approve it. Then the more I asked about it I was told that the Underwriter denied it. So WOULD the Underwriter deny it or DID the Underwriter deny it? One said that they did but another said that they didn't even see it to deny it. Also, I contacted the VHDA and they never even received the request to deny on their end so all of this was very confusing and left unanswered questions. In addition to the fact that NO ONE at all could answer my question about how I can be responsible for a note that I was not financially obligated to. I never received credit for the on time payments of the loan so how can I be responsible for the foreclosure on a note of a home that I was not even on? None of this makes any sense at all.

Since this information was a " reason to deny the loan '' and was found on what I was told a " fraud check '' that lenders are required to run why was it not ran before the " Pre Qualification '' and how I WAS " Pre Qualified '' for the loan in the first place?

I am livid about this and can not let it go. I lost {$1100.00} that I spent toward the purchase of my first home and it does not sit well with me since I was NOT financially obligated to the loan that was the reason for the denial of my loan request with Loan Depot that I was " Pre Qualified '' for.

I would like to see this addressed and made public so perhaps it saves someone else from going through a similar situation.
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have had a XXXX XXXX, Bank of America Credit card since XX/XX/XXXX, this was a Platinum card with a credit limit of {$60000.00}. During the course of having said card, I have never missed a payment and my account was in good standing. My XXXX credit score went up a few points last week to XXXX. Sunday XXXX/XXXX/XXXX, I went to make a purchase and my card was declined, I immediately called BOA and was informed that my account was closed and after days of phone calls, I was informed that " it was a business decision to close my account ''. I inquired as to my XXXX rewards points and was informed that the points were forfeited upon account closure. I am seeking any form of assistance in this matter of BOA and their unjust account closure and criminal act of stealing my reward points. Thank You.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: ADP Inc. (NV)

I started with my company on XX/XX/2022 and prior to starting I provided valid and correct direct deposit information. After the first pay period closed I was informed that my Direct Deposit information had changed I was later told by a member of the payroll team at my company that somehow XXXX couldn't verify my direct deposit which is a XXXX XXXX XXXXThey then opened a " WISELY '' payroll card account in my name and deposited my check to that account. They are now actively refusing to work with my employer to close out the unauthorized account or return the funds.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

This is the third time I am filing the same complaint against the same company. All you do is contact the company for them to reply. When are you going to step in and do the job my taxes are paying you to do?      SunTrust Mortgage ( Loan Number   XXXX   ) con sistently misapplies my payments. I make my payments e very two weeks i n the amount of {$550.00} for a monthly mortgage payment of {$1000.00}. This leaves an additional principal payment of {$99.00} each mon th. SunTrust ha s been applying the full {$550.00} to the principal, rather than applying it to the monthly payment. Then, when the  XXXX  of the month comes along, since the full payment has not been made they charge me a late fee of {$30.00}. Even though they have received full payment.     I have only had this mortgage since  XXXX , yet they continue to try to steal money from me. You wrote to me on  XXXX   XXXX  that you were sending my compla int to SunTrust.  On  XXXX   XXXX   SunTrust wro te that they had reapplied my payments correc tly ( for  the second time ). On that same day, they AGAIN misapplied my payment to the principal. In spite of the fact that when I wrote to them I included a payment schedule for the entire calendar year showing how much they would receive and how each payment was to be applied.     I want your office to step in and do your job. Simply sending my complaints  to SunTrust is  not enough. They continue to illegally try to steal money from me and your agency has thus far done nothing to prevent this. I am contacting  Senator   XXXX  and Congressman  XXXX  to ensure that you do your job and g et SunTrust to s top this illegal activity.
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2016-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (SC)

My federal student loans are handled by XXXX XXXX ( PHEAA ). 
On XXXX XXXX, XXXX I uploaded a complete packet of materials requesting that my loans be moved from IBR to REPAYE. ( Uploaded XXXX as I always do for IBR paperwork. ) On XXXX XXXX, XXXX I received a notice that I was kept on IBR and my amount was the same. 
I called immediately after receiving that notice and was told the person who processed my application made an error and thought I had not requested the {$5.00} forbearance. The representative told me she would get it re-processed and I would be on REPAYE within XXXX10 days. 
I heard nothing and was still on IBR so called again on XXXX XXXX. I was told it was still in the works and to call back on the XXXX if I did not hear back. 
I heard nothing so I called back on XXXX XXXX and I was told it was being processed that day and that I should NOT pay my bill due on the XXXX. I clarified this with the rep multiple times to be sure I understood correctly that I should NOT pay my XXXX XXXX bill. He was adamant that I NOT pay. He said the {$5.00} forbearance would cover XXXX. 
I am now 11 days past due and have not heard anything back. My account now not only shows my past due payment but also the full IBR amount due for XXXX, meaning that my payment is still on IBR and the XXXX bill was not covered by the forbearance as promised. 
I sent an email on XXXX XXXX, XXXX with all this information requesting some assistance and guidance. On XXXX XXXX I received a reply that was only generic boilerplate about repayment options. 
It has now been 75 days since I originally submitted my request to move to REPAYE.
Consumer complaint received 2016-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (TN)

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (GA)

Hello, I have been in contact with Experian over a dozen times over the past 5 months. I have requested that they supply me validation of listings that are reporting in my file and they continue to respond back that the information has been verified. I am requesting validation of the debt so that I can dispute it properly to have it remove or corrected on my file. I spoke with XXXX different supervisors and I have been told that this information would be mailed to me within XXXXXXXX business days and over 30 days has passed. I took the liberty to send certified mail to them to as well to no avail. I am constantly being told that I need to contact the creditor to verify the debt but they are the ones reporting the debt and they must have proof that the debt is mine or remove the listing/s.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

hi i have been a victim of identity theft i have done everything on my end to provide documentation to Equifax but they keep giving me a hard time nobody seems to know what they are doing. XXXX  and XXXX   have been great in helping me get this matter resolved. I have filed an FTC report and police report
Consumer complaint received 2020-11-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Credit & Collection Corporation (NC)

The debt collector called my personal cell phone and I explained I didn't have the money to pay. I then blocked them so they started calling my place of employment. This requires them to connect through a receptionist who is now informed of my debt. After calling my employer numerous times ( around once/twice a week over last couple months ) I called them back ( 3 ) times and asked them to remove the number from their calling list. The gentleman answering the call continued to talk over me and tell me they will stop when I give them their money. The most recent call received was today XX/XX/2020 at XXXX XXXX
Consumer complaint received 2020-10-18
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. (NY)

I am victim of identity thief and this company have been ignoring my request of investigation, i have been sent everything need it including a policy report, i been totally ignore by this company. please help me as some accounts that are not mine is been report to my credit report. 

see attached, letters been sent and yet ignore proof of my identity and policy report.