davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (NV)

I was doing a withdrawal for XXXX $ ( cost after their transfer fee, originally was XXXX $ XXXX on XX/XX/XXXX. I got an email from binance.us saying to confirm the withdrawal. I then got an email saying it was successful. But the money never went through, never even left the binance.us account. I then tried the transfer again, on XX/XX/XXXX. Got the email to confirm and later that day it said it was successful, except this time the money was gone from my binance.us account. 3 days on later on XX/XX/XXXX got another email saying it was " successful '' again?? But still no money has hit my checking account. It is now XX/XX/XXXX as I write this and have no idea if im going to be getting my money back. I have tried contacting there support " team '' but no response still. They have no number to call as well only over email.
Consumer complaint received 2019-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Centron Services (MT)

A collections agent ( XXXX XXXX ) repeatedly called me, my husband, and my work phone. He tried getting me to divulge information about my husband to him, this is not my husbands debt. He also sent me and my husband numerous collection notices in the mail. This is not my husbands debt, it is my debt. The agent called my work phone last week and he cornered me into answering my debt questions, at work. I told him the debt is paid and to stop calling me and my husband. I paid the debt off with the original medical bill on XX/XX/2019. The debt collecting agent ( XXXX XXXX ) is now sending collections notices to my husband for the collection amount. The debt is paid, and my husband is getting a collections notice dated XX/XX/2019.
Consumer complaint received 2020-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America, N.A. closed all of my personal and business bank accounts and credit cards around XX/XX/2019 for no discernible reason. Their correspondence says that they made a " business decision '' to close my relationship with them. Upon closing my personal credit cards, they stole {$2500.00} in cash rewards by not paying them before closing the credit card making them " null and void ''.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I am filing this complaint because I'm going through a really stressful time due to Wells Fargo 's actions. Wells Fargo committed multiples violations inconsistent reporting across bureaus, I disputed and they failed to mark the account as disputed. I filed an arbitration case against Wells Fargo, who is reporting the account involved in this matter. Wells Fargo has refused to arbitrate the matter thereby violating the contractual agreement. Now the XXXX XXXX XXXX tells me that Wells Fargo didnt pay their fees and American XXXX XXXX XXXX the case. So my purpose with this complaint is that the CFPB opens an investigation so this company does not continue to evade its responsibility to respond to arbitrations filed by consumers. I am attaching the XXXX proof in which they give details of the case.
Consumer complaint received 2021-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: A-L FINANCIAL CORP (AZ)

My vehicle loan was set up with A-L Financial on XXXX, XXXX and was scheduled for 42 month term. I have paid all my payments with a few hiccups. In XXXX of XXXX my car was impounded and the vehicle was repossessed by A-L Financial even though I was current on payments. I understand this is to protect their investment but charging a full repossession fee of {$690.00} when someone is current is outrageous. In XX/XX/XXXX I spoke to a manager in the XXXX office and asked if my payments would be ok being paid on the XXXX if each month since my payment was due on the XXXX prior. She advised me that would be perfectly ok and to add {$1.00} in payments to cover interest which I did. After this, things went on as normal and payments being made. On XX/XX/XXXX I called and talked to XXXX about what was left owed on my vehicle since I was coming to the end of my term. She gave me a balance of $ XXXX which I questioned because I knew I should or only had 1 more payment of {$330.00} since XX/XX/XXXX would be 42 months. On XX/XX/XXXX I talked to XXXX again and requested a summary of payments. On this summary of payments it shows 40 payments of {$330.00}, 1 payment of {$360.00}, 1 payment of {$350.00}, 1 payment of {$340.00} and 1 payment of {$330.00}. Which is 40 payments of regular payments and 4 payments covering any fees told by the office that was owed. On XX/XX/XXXX I called and talked to XXXX again. She advised me that I had a balance of {$330.00} which was paid as well. When I questioned the amount and payments XXXX response was check with your accountant I asked for her to help me and she replied thats just what the system says and there was late fees. I understand that there was late fees and the total was {$300.00} which would only equal to 1 additional payment not 3. This company has charged me an additional $ XXXX in fees and supposed Interest.
Consumer complaint received 2021-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MI)

This complaint is for credit acceptance they over charged me an added a high interest as much as the car a XXXX XXXX  XXXX XXXX an they are charging the same amount in interest they are being sued an under scrintiny with 43 other states I don't owe the amount they say I owe XXXXI purchased the car XXXX XXXX I told XXXX XXXX my credit was bad this company suckered them though when I called they were rude to me the reviews are terrible I'm not alone. I filed a complait with the Attorney general in Michigan also I need help they said I'll be done in XXXX paying for the car I might not be living then.
Consumer complaint received 2021-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LoanCare, LLC (VA)

Contacted company for removal of my record from their files. Explain it affected my credit rating. Their response was they still own my mortgage. Don't understand why. It was first loan mortgage and sold : Status Transferred, closed/Never late. 

Type Mortgage Terms 25 Years On record until XXXX XXXXXXXX Last date they reported my status : Date of status XX/XX/XXXX -- First reported XX/XX/XXXX Transferred to another lender which is my current mortgage company that reports my status to credit reporting agencies.
Consumer complaint received 2021-06-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

Currently having a dispute with USAA with regards to the banking issues, and per the user agreement, no litigation can be filed before the arbitration process is completed. However, USAA is not willing to pay for any fees they owe in the arbitration, the arbitration process can not be continued, and USAA still demanding payment from me for an unknown amount. Before going to the court process, wish to resolve this matter with USAA on this platform.
Consumer complaint received 2022-04-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: City Enterprises, LLC (AL)

Payment was 4 days past due with XXXX XXXX, I was called numerous times daily, while at work. My references were called numerous times daily. I received a voicemail threatening repossession after only 4 days past due. I have paid a year on car, with no late payments. When I returned call to Creditor, I spoke with my Credit Manager. He was rude and Irate. I asked for copy of contract to be mailed to me. He wanted to speak about the payment that i made online earlier. Offered him a reference #. He yelled and screamed at me that if i made my payments on time then he wouldn't have to harass me. Asked him to stop calling my references, especially my elderly mother. He yelled no way, he will call all refs until i pay on time. Again asked him to stop calling my references. He refused. They will not work with you when needed and speak with you like you are stupid and worthless. I regret ever purchasing a vehicle through them. The car is always tore up, the warranty was worthless. I tried to explain that is is hard to pay for repairs and the car at the same time. I was told to either pay on due date or the car will be repossessed. Let him know that I would be reporting his actions to the CFPB and his response was a loud laughter with the reply " Have fun with that ''. Their phone calls are recorded. This happened today XX/XX/2022
Consumer complaint received 2022-01-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NJ)

TD BANK # XXXX XXXX I do not receive statements from this bank. 
I called on XX/XX/22 to ask why, and was unable to verify my account, so no one would help me. 

I asked them 1 ). When was this account opened? 
2 ). Why don't I get ststements? 

No answers...
Consumer complaint received 2019-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (GA)

I went through the proper channels to get this collection removed from my name and credit reports. I do not owe Trident Asset Management nor their creditor XXXX. I NEVER had or opened any services with XXXX. I've been with my current provider XXXX for well over 8 years or so. My previous provider was XXXX. I've sent numerous letters asking the company for any verification that states I had service with XXXX and they have sent me nothing. I really want to get this situation resolved as this has been going on for too long.
Consumer complaint received 2021-06-07
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: NAVY FEDERAL CREDIT UNION (CO)

I have a credit card account from Navy Federal showing up on my credit report that is showing inaccurate information. In XXXX my ex-wife and I divorced, the judge awarded her this debt. Since the divorce my ex-wife has not paid, it has been written off and is negatively showing on my credit report. I have tried talking to Navy Federal and they have said they do not honor divorce judgments. So I went to the credit bureaus. XXXX  has acknowledge this should not show negatively on me ; XXXX  and XXXX, however, are saying that Navy Federal says the information is accurate. I have provided the divorce paperwork to all of these companies and they just keep pointing me in the direction of the other guy. 
XXXX  cleared this dispute back in XX/XX/XXXX, XXXX  and XXXX  just finished the disputes ( acknowledged that the information was correct ) end of XX/XX/XXXX however nothing has changed on my reports.
Consumer complaint received 2020-01-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ACIMA CREDIT, LLC (GA)

The stuff they're suppose to to teach you in school, they don't. If they did then I would have known not to use a company called Acima Credit. I have a furniture lease for some cheap furniture that I regret getting. Long story short, I was forced to stop working the first week in XXXX. Before that week ended I called my bank to place a stop payment with Acima since I didn't have the money to pay for the furniture. With a stop payment in place, Acima still ran the charge through multiple times in different ways ultimately taking funds from my account. Funds that were needed to feed my XXXX kids. This company charged my card even with a stop payment in place. All the while without my authorization. I didn't speak to them the whole month of XXXX. Every time they charged a payment, I received a receipt and then a past due notice saying that I was still past due. Well in XXXX, Acima has taken money out of my account every Friday. That's up from every other Friday in XXXX. With no authorization from me, this company has interfered with how I feed my kids and my bill pay for my home bills. This company has been dead set on getting there payment all while still accessing past due charges for some cheap furniture. Next time, ( never ) my kids and I will just sit on the floor. These crocked finance companies suck taking advantage of the people barely making it out here. It should have been my choice to pay them or feed my kids. They forced my hand. Thank you reading my complaint.
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am formally notifying your company of inaccuracies in my credit report. Federal law mandates a response within 15 days, and your non-compliance puts you in violation, subject to fines up to {$1000.00}. 
Provide the investigation results for the following accounts within 10 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: LOBEL FINANCIAL CORPORATION (CA)

I bought this car with a totally unfair interest rate of XXXX XXXX. I didnt have SSN yet and because of it, not credit score yet.

Ive been paying my car every month for XXXX years on time and every time i pay through Lobel Financial website, I need to pay {$5.00} service fee on top of the monthly payment. 
Because of Covid I lost my job and I was late XXXX payments and talked to them yesterday XX/XX/22 because I couldnt pay through the website. The agent said surprisingly Do you still have the car? I said, yes, of course and then he said I had to pay {$970.00}. I got the money to pay today XX/XX/22 because it was after business hours but at XXXX am, a towing company called me for XXXX times while I was sleeping to come downstairs to get my personal belongings because they are repossessed my car. Its just an unfair and rude people from this company, they treat you like garbage even if you are not in this situation. Thats the first time this happened to me and even before when you called to need anything, they are rude and cynical to you and treat you like garbage. 
Another thing happened, few months ago they increase my monthly payment saying that I didnt have proof of insurance. So I paid, sent the proof of insurance and for another month, they didnt return my monthly payment to the original amount. 
Very disappointed with Lobel Financial and its employees. Whoever read this, NEVER do business with this company, they are disrespectful, dont have any empathy and have predatory business practices.
Consumer complaint received 2018-02-10
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: NAVY FEDERAL CREDIT UNION (MD)

XXXX  does not conduct a thorough investigation on account submitted by Navy Federal Credit Union reporting a failure to pay on XX/XX/2018 that involves a fraudulent credit back to Navy Federal Credit Union deposited by XXXX XXXX XXXX , XXXX My minor child was connected to all accounts and currently has her account in good standing. Navy Federal Credit Union in XXXX Maryland made a bad deposit and/or was unable to recover funds from XXXX XXXX XXXX that has nothing to do with me. Navy Federal Credit Union failed to perform a thorough investigation on said account ; If so the person that made deposit would have been notified which was a US Marshall. 

Both XXXX and Navy Federal Credit Union does not investigate their own errors. Both companies use XXXX to monitor my consumer activities in a fraudulent manner. Not sure why they follow rules to damage credit but negligent on resolution from day 1 of any dispute I've sent and/or inquired about over 4 years ago.
Consumer complaint received 2017-12-21
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: EQUIFAX, INC. (TX)

Hard inquiry against my credit report exists, without my knowledge, and consent by XXXX XXXX, on XXXX/XXXX/XXXX, which I dispute and would want to be removed
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX/ {$1100.00} / XX/XX/2021
Consumer complaint received 2020-10-19
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. (MA)

How are you doing? It's been more than 60 days since that i tried to dispute this and still no results. I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (MO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (GA)

In 2016 spoke to Amex about how the credit limits work Amex stated on numerous occasions that XXXX  credit bureau randomly sends info. From that info Amex has reduced my credit limit twice without proper notifications as agreed in there regulation and policy. they have refuse to answer questions we have talked for hours being transferred over 6 times all lines. An Amex rep stated many customers who have been with them over 15 years have never been audited or reduced or ever put in review. But somehow I have been reviewed over 3 times since having this account. I have never been late and I have followed all protocol to guarantee an increase. I am never notified or given a formal reason. 

Also this is a travel card due to covid the benefit are not available yet the XXXX fee was not refunded
Consumer complaint received 2020-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

Did not count my payments from old servicer ( XXXX XXXX ). Had contacted my congressman, DOE ombudsmen and FedLoan multiple times. Still haven't correctly counted my student loan payments.
Consumer complaint received 2020-01-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

WestLake Financial is in violation of the contract because it is charging the monthly payments for my car note on the XXXX of every month instead of the monthly signed contract which the monthly payment is due on the XXXX of each month in our contract. By contract the first payment is due on the XXXX of each month and the last payment is due on the XXXX of each month. WestLake Financial has been violating our contract agreement for several years. Please contact WestLake Financial so this problem can be resolved. ( Acct # XXXX )
Consumer complaint received 2018-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (NY)

A XXXX XXXX account was opened in my name that I did not open. I received a letter in the mail from Diversified Consultants who is the debt collector in the matter on XX/XX/XXXX. The letter states I owed XXXX XXXX {$1200.00} for services I did not purchase. 

I proceeded to call the collections company who said I have to file a police report. I filed a police report on XX/XX/XXXX.