davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have several accounts in which I paid for less than the full amount in which I was sent form XXXX. XXXX, XXXX XXXX, XXXX, XXXX, and these accounts should n't be on my credit report I 've tried on three occasion to dispute these charges but trans union and XXXX wo n't budge only saying that they are verified in which they are not
Consumer complaint received 2020-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

This is my second complaint about the same matter. The first one appears to be automatically closed just by virtue of a response ( any response ) from the company. Here is the relevant detail from the first complaint. In XX/XX/XXXX, I received a letter stating I was ineligible for TEPSLF because " the amount paid 12 months prior to applying for TEPSLF and the last payment made before applying for TEPSLF was not at least as much as would have been paid under an income-driven repayment plan. '' I was then advised to go on the income-contingent repayment plan and as long as I paid for an additional 13 months on-time, I would be eligible for TEPSLF. The correspondence I received in XXXX DID NOT INDICATE that I had not made the 120 payments. At no point until XXXX of XXXX was I told I was ineligible because of not meeting the XXXX. It was only during that subsequent application for XXXX did this company notify me of this - stating I had 87 payments, which contradicted all prior information provided by customer service representatives and their own written documentation. Based on incomplete information and faulty advice from every customer service rep at Fed Loan Servicing, I dutifully paid nearly double my normal amount for 13 months in order to reach the XXXX.
Consumer complaint received 2020-07-21
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC (RI)

Quicken Loans continues to call, email and text me incessantly all hours and days of the week to my personal cell phone as well as work to the extent that I have had to block their numbers however they contact me from different phone numbers. I have continuously informed them I am not interested in refinancing at this time. In an attempt to get them to stop contacting me, I spoke to a representative who pressured me into pulling my credit report which I was not comfortable with only to be told it might not be in my best interest to refinance at this time as I already had a great rate. I feel like they are soliciting and harassing me for their own personal gain and incentive. After this I requested to stop being contact and continue to do so. I am upset my credit was pulled without my genuine agreement and I want this harassment to stop.
Consumer complaint received 2020-07-21
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. (TX)

address names and employment all ftc violation will list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 


job : XXXX
Consumer complaint received 2020-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

The debt collector, Credit Bureau Systems, contacted both me and my wife regarding Medical Bills. I informed them that I do not discuss anything on the phone, I told them I am only be contacted via US Mail and I requested proof they're authorized to collect and an Itemized Bill from the Hospital showing that we sill owe these bills. I stressed that I want this " From the Hospital, Not a photocopy from them. '' After that time, we received 2 more calls and then I received a Printout from them, not the hospital. This Printout included the Medical Procedures that were performed and this was not from the Hospital. 

When I informed them that they are not authorized to have my personal information that I did not sign any release for them to have this information, which they responded that it's part of the Rights and Responsibilities I signed with the hospital. I also informed them that the two accounts they have were already paid from my XXXX. They stated that we needed to contact the hospital and get them proof of payment. 

Two weeks later they added a Collections Account to both our Credit Reports. 

I sent them a Certified Letter stating that the Hospital has confirmed I do not have any balance with them and that they've violated my Privacy rights. I was told they will not remove the items from the report.
Consumer complaint received 2020-08-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

i use coinbase since XXXX, there no problem at all, until i try login again at XXXX XX/XX/XXXX i got message, " sorry account temporary disabled, contact support ''. 
then i try to contact support via phone but not help, then i submit a ticket via email and XXXX   also to seek for help but not respon at all until now, my case XXXX when i try to login use my XXXX  use coinbase app, they locked my account i dont know how? 
i try contact support via XXXX  and email but no respond at all until now after this problem resolve with coinbase, i will put my crypto currency in XXXX XXXX  coinbase inXXXX is big company they should priority to customer, without customer there is no coinbase at all
Consumer complaint received 2020-07-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (TX)

The complaint entered into a contract agreement with wellsfargodealerservices for finance of an automobile on or about XX/XX/2011. 

The complainant was financially offset after a financial institution wellsfargodealerservices place collateral protection insurance on his loan which offset him tremendously where he was forced out of his homestead and dwelling and later filed bankruptcy which discharged the debt under chapter XXXX of the bankruptcy code. 

The complainant, whom is a XXXX veteran of the US Armed forces, was living as a XXXX   person and during the time of a heatwave, the finance company repossessed his vehicle prior to him filing bankruptcy and that the cause for repossession was due to being offset financially by the lendong institution placing overlapping collateral protection insurance in addition to the monthly installments of the loan and without consent, resulting in a magnification of the monthly installments creating a ripple effect of collateral damages and economic losses, past and future, to include loss ( 3 ) of businesses. 

The complainant received an affidavit of fact where Wells Fargo dealer services denied any involvement of fraudulent act, but notified the complainant 5 years later that the loan balance in amount was offset due to fraudulent acts of deceptive business practices of the lender who has now given notice that those deceptive Acts was common with their customers and are being held liable for all expenses acquired collaterally and economically past and future however have been receiving reluctance from Wells Fargo dealer services who have been slow in severance of all damages as claims post to bankruptcy. 

Attached to this complaint is an affidavit of fact which proves that the acts of the financial institution were deceptive and that efforts to sever this claim post to a class action lawsuit are underway however have been enigmatically hindered although supporting documentation deeming them lawfully liable for all damages and injuries as claimed is being downplayed or ignored.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have tried numerous times to get XXXX XXXX XXXX XXXX ( XXXX ) XXXX Headquarters XXXX XXXX XXXX XXXX, CA XXXX and the credit bureaus to correct my credit report with no success. My debt with XXXX was discharged in Ch XXXX bankruptcy on XXXX XXXX, 2017, yet XXXX is still showing me past due. They did not report me correctly during ( post-petition and pre-discharge ) or after my discharge. I have evidence to backup my claims. My credit was pulled by a creditor yesterday, and they gave me a copy of the report from XXXX showing that the XXXX XXXX and XXXX are still showing me with a " code 7 '' which says to the dealer I am past due on this debt. This is affecting the interest rate that I am able to get. Funny thing is, the report that XXXX shows to me, the consumer, looks right. But there is a " behind the scenes '' reporting that goes on that creditors see that consumers are not allowed to see that is not correct and I was fortunate enough to get this copy from the dealer. This willful refusal to correct my record post-discharge is robbing me of a fresh start and preventing me from getting a fair interest rate. The dealer is telling me that I am showing late with XXXX but all my other discharged debts are reporting correctly on their report. I have disputed this XXXX debt several times with each of the 3 credit bureaus and have contacted XXXX 's credit reporting dept. directly and was assured it would be fixed by XXXX months ago. I am asserting and claiming that they are involved in corrupt and deceptive reporting practices when my report shows something different than what the creditors actually see, and that this action is " willful '' disregard for the laws. To deceive me into thinking my record is correct by falsely reporting to me one thing, and then keeping the database of information inaccurate for what is shown to creditors that pull my credit, is deceptive and fraudulent. Thank goodness I had a creditor who was willing to give me a copy. I have attached a claims register showing XXXX was included in my bankruptcy, the discharge notice and the credit report from the creditor, showing a code 7 which means I am past due.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried numerous times to get XXXX XXXX XXXX XXXX ( XXXX ) XXXX Headquarters XXXX XXXX XXXX XXXX, CA XXXX and the credit bureaus to correct my credit report with no success. My debt with XXXX was discharged in Ch XXXX bankruptcy on XXXX XXXX, 2017,  yet XXXX is still showing me past due. They did not report me correctly during ( post-petition and pre-discharge ) or after my discharge. I have evidence to backup my claims. My credit was pulled by a creditor yesterday, and they gave me a copy of the report from XXXX showing that the XXXX XXXX and XXXX are still showing me with a " code 7 '' which says to the dealer I am past due on this debt. This is affecting the interest rate that I am able to get. Funny thing is, the report that XXXX shows to me, the consumer, looks right. But there is a " behind the scenes '' reporting that goes on that creditors see that consumers are not allowed to see that is not correct and I was fortunate enough to get this copy from the dealer. This willful refusal to correct my record post-discharge is robbing me of a fresh start and preventing me from getting a fair interest rate. The dealer is telling me that I am showing late with XXXX but all my other discharged debts are reporting correctly on their report. I have disputed this XXXX debt several times with each of the 3 credit bureaus and have contacted XXXX 's credit reporting dept. directly and was assured it would be fixed by XXXX months ago. I am asserting and claiming that they are involved in corrupt and deceptive reporting practices when my report shows something different than what the creditors actually see, and that this action is " willful '' disregard for the laws. To deceive me into thinking my record is correct by falsely reporting to me one thing, and then keeping the database of information inaccurate for what is shown to creditors that pull my credit, is deceptive and fraudulent. Thank goodness I had a creditor who was willing to give me a copy. I have attached a claims register showing XXXX was included in my bankruptcy, the discharge notice and the credit report from the creditor, showing a code 7 which means I am past due.
Consumer complaint received 2017-06-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Credit Service, Inc. (TX)

Date of telephone conversation : Friday XXXX XXXX, 2017 Name of Company : Asset Recovery Associates, Inc. XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX ( XXXX ) XXXX Let me first state that I had just recently had XXXX and was not totally coherent when the call came in. I had a very terrible experience. I received a VM message and called them back only to be threatened that if I did not pay ( mind you this goes back 24 years ) that they would notify all my creditors that I am a high risk and that all of my credit cards would be cancelled. I was given two options ( 1 ) accept settlement offer now ( 2 ) if I do not accept settlement offer now, that if I called back, it would not be honored. I advised the person that I felt this was a threat and wanted to check with my attorney. All I was asking to do was to have the opportunity to check with my attorney to see if this call was legitimate and not a scam. The representative kept me on the telephone for one hour 26 minutes making every attempt to wear me down. She finally wore me down and was able to put the majority of the money she was trying to collect from me on a bank transfer and the difference on a XXXX. She kept telling me that a Judge had issued a judgement and that it was going to Federal Court. After serious thought and consideration, I realized that there was no way that a Judge had issued a judgement and was filing in a Federal Court. I then requested a copy of the judgement etc. and she refused to send to me stating that the offer would be off the table insofar as a settlement offer. The representative was very rude, threatening and condescending in her conversation with me. They started out with a 50 % discount if settled now, followed by an additional 3 % for senior citizen discount. They prey on senior citizens in hopes that you will fall for their line of XXXX. I did unfortunately and feel really stupid.
Consumer complaint received 2020-11-15
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. (MS)

On XX/XX/2020 i mailed a letter requesting verification of inaccurate accounts listed on my credit report. I didn't recieve a response so I mailed another letter on XX/XX/2020. Still no response so I mailed another letter on XX/XX/2020. Still no response. It's been 6 months total and these inaccurate accounts are still showing on my credit report.
Consumer complaint received 2017-01-11
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: AmeriCash Holding LLC (SC)

On Tuesday XXXX XXXX I called an XXXX with a customer service representative and informed that I would n't be able to make my payment due to financial issue and I would make up the payment on my next due date which will be XXXX XXXX, 2017. The representative told me that would be fine and I should n't have anything to worry about, so on XXXX XXXX, 2017 this company attempted to take payment out of my account not once but twice after I informed that the funds would n't be available, which caused my account to go into the negatives and forced me to close my bank account. On today I spoke with a very rude representative at the customer service department, she was very rude, called me a liar and informed me that they would still attempt to take funds out of an closed account, along with contacting my references after I asked to have them removed. The rep hung up on me after requesting to speak with a manager. I also think the interest rate that they charge is absurd, ridiculous and illegal. The interest rate is at 285 % I 'm paying more than what I borrowed. I wish to not be contacted by this company again. Or I will seek legal actions!
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I complained of this problem over a month ago, XXXX and XXXX already closed and removed XXXX XXXX from my file. TransUnion is still showing it as an open account, complaint # XXXX on file. I 'm trying to rebuild my credit now after my two XXXX in XX/XX/XXXX and XX/XX/XXXX,  which caused me to close my business.sometimes I wonder if they do it on purpose so they can make more money off you. I 'm not asking for any favors, just do what 's right. It 's an open and shut case, a no brainer.
Consumer complaint received 2018-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (SC)

XX/XX/18 : I was notified by email that my checking account was negative XXXX. The branch is closed but the ATM machine is open. It is down for accepting deposits today. I have a photograph of the deposit feature unavailable if you need it. 

I had XXXX $ cash in my hand to deposit so not only would I have covered the negative balance, I would have had additional money to cover direct debits that might hit my account from now until Monday morning when I can walk into a branch. The nearest branch right now is 40 miles away and I dont know if their atm is down for deposits too? This is the fourth time this happened to me at that location with Wells Fargo on a weekend. 

I called their XXXX number for customer services and asked if an automatic payment was going to hit my account from now until Monday morning at XXXX if they would reimburse me the overdraft fees. He said no because I have autodraft on my account. I said yes but I also SHOULD have the ability to deposit cash and you denied me of this. If you deny me deposit then charge me overdraft fees, that is illegal. 

This bank has done this to me numerous times.
Consumer complaint received 2015-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

We have a XXXX mortgage on our home and it is a balloon loan that is due in 2017. We are attempting to pay an extra {$500.00} in addition to our monthly payments of {$120.00}. but our mortgage company Ocwen keeps applying a monthly fee to the {$500.00}. extra payment. I wrote " For Principal Only '' on the check and checked the box on the statement for principle only. Our statement shows that we are only paying {$370.00} on the principle and we are several months ahead in our monthly payments. They are trying to make it very hard to pay off the principle, Can you help us? 
Thank you, XXXX XXXX
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

I was XXXX of the unlucky homeowners whose mortgage was sold to Ocwen Loan Servicing when GMAC filed for bankruptcy. Since then, I 've had constant escrow shortages. Last year, I asked Ocwen if my taxes and homeowner 's insurance could be taken out of escrow, so I would n't have to pay for a so-called shortage, or a cushion. My request was denied. After receiving yet another shortage notice this spring, I decided to switch my car insurance from XXXX to XXXX XXXX, who insures my home, and this resulted in an approximately {$600.00} drop in the cost of my homeowner 's insurance. 
I then received yet another escrow analysis from Ocwen, stating that my anticipated escrow payments for the next year total {$2600.00}. My property taxes are {$730.00}, my homeowner 's insurance is about {$1200.00} - Ocwen is basing estimated payments on the OLD insurance premium of {$1800.00}. 
I again requested that my escrow account be closed. I want to pay what 's due. I do n't want to pay an estimated amount, or give Ocwen an interest-free loan to pay their XXXX dollars in fines. The denial letter just arrived ; I was denied due to " investor requirements. '' I am done dealing with this company and their incompetent overseas customer service. One of their reps said to me, " That shortage is only costing you about {$50.00} a month. '' I do n't care. That 's a tank of gas, or a few weeks worth of groceries. 
Thanks.
Consumer complaint received 2021-03-03
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: Shellpoint Partners, LLC (MI)

I have perfect payment history and a low balance on my mortgage. Because of this my mortgage is bought and sold on a regular basis. NewRez mortgage bought my mortgage but my payment went to the old company. I was in constant contact with New Rez and even made a double payment as I waited for my payment to be returned from the old company. NEw Rez advised me this happens often and nothing would be report negatively against me. Unfortunately they did not stay true to their word. Upon review of my entire credit report you will see I have perfect payment history on all of my accounts for over 10 years.
Consumer complaint received 2020-07-21
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: CITIZENS FINANCIAL GROUP, INC. (PA)

XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 Citizens one XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 I dont recognize these inquiries and did not authorize none of these companies to run my credit.
Consumer complaint received 2020-07-21
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: Exeter Finance, LLC. (PA)

XXXX XXXX XXXX  XX/XX/2019 Exeter Fin XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 I dont recognize these inquiries and did not authorize none of these companies to run my credit.