davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I am profoundly concerned and completely discontent with the developments in my credit report. Kindly remove any indications of late payments and adjust the status to either " paid now '' or " as agreed. '' I consistently make timely payments on these accounts. I earnestly seek your assistance in promptly updating this information.
Consumer complaint received 2017-12-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems (NC)

Upon checking and verifying my credit reports, I discovered XXXX XXXX XXXX XXXX reported a new collection on all reports PF {$27.00}. I have never receievd written or verbal communication concerning this debt. When attempting to contact the debt collector using the phone number provided on my report, ( XXXX ) XXXX, it stated the number was invalid. Additionally, I am allowed under HIPAA to protect my privacy and medical records from third parties and I did not authorize XXXX XXXX XXXX to release my information to FINANCIAL DATA SYSTEMS.
Consumer complaint received 2017-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DC)

Approximately X/XX/17 I noticed that my interest rate had been raised, and contacted Navient to discuss. They stated that my 1 % interest rate reduction awarded after 3 years of on time payments was being revoked due to a missed payment. I stated that I wanted to talk to a manager because I had signed up to change my direct withdrawal from one account to another, and had put money in both accounts to ensure it would be paid. Navient failed to withdraw money from either account. As I was on my honeymoon out of the country I did not check immediately if the payment had been withdrawn, but upon seeing this I called and immediately paid the amount due. I believe that the company has confusing, possibly intentionally confusing, approaches to setting up to move the withdrawals from one account to another, in order to trick customers into missing payments. The change in rate will cost me approx {$400.00} per year in the short term. I have been making on-time payments, without fail, for over ten years, and I believe I had set up the account to continue to withdraw from a new account. The representative came back from putting me on hold and told me that she could not let me speak to a manager, but instead had submitted my information to them, and that I would receive a " decision '' from management, within 10 days, by mail. I never received any letter or answer, and I continue to be charged the higher rate. During the whole period the company had bank information from both accounts, the old and the replacement account, but claimed that somehow I had not initiated the withdrawals from the new account. I believe that they are acting in bad faith and that furthermore they are being either sloppy or dishonest in promising to respond to my request to have the lower rate reinstated, and failing to do so.
Consumer complaint received 2017-11-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (KY)

I had a vehicle loan with Santander since XXXX, the vehicle was repossessed in XX/XX/XXXX with no notice sent to me before or after. When I contacted the company I was told there was nothing I could do and the said they couldnt allow me to retrieve my personal property out of the vehicle due to state law. Ive sent several letters asking them to sent me a copy of the notices and validate the information they have because they say I still owe XXXX when the car was purchased for XXXX and Ive paid around XXXX on the vehicle, Santander will not respond to the letters and when I call they say they no longer have the info
Consumer complaint received 2017-12-31
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 — Problem with personal statement of dispute
Company: Conn's, Inc. (TN)

I contacted XXXX XXXX XXXX customer service on XX/XX/XXXX. I asked about the policy on removing 30 day late payments the representative I spoke with told me that conns does provide a 30 day curiosity removal to customers that have never been late or have a history of late payments just email a letter requesting the late payment be removed, along with a copy of a credit report showing the late payment. On XX/XX/XXXX, I faxed those documents and called XX/XX/XXXX to ensure they received it and they did. I spoke with a manager who gave me the same information that the first representative gave me. However, I was told from the first representative that I would receive a email within 48 hours with the findings, which I did not. When I called and spoke with a manger on XX/XX/XXXX he told me I would receive a email within 3-5 business days, I did not. I called again on XX/XX/XXXX and spoke with another manager and told me that my request was denied. I have still not received a email or letter stating what the findings were. They had my wrong address on file so I 'm not sure if they sent it to the incorrect address. I did update it. My complaint is that the staff is not adequately trained and they do n't have the correct information, I am in the process of trying to purchase a home and they have given me false hope and information. My issue is that the creditor XXXX XXXX XXXX is acting unreasonably and not providing with the documentation in the time frame in which the said they would. I am requesting that this late payment across all three bureaus be removed as it was stated to me that they could be.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Today, I used XXXX to view my three reports online. The first one, XXXX, went fine, and I viewed and saved my report with no problems. When I tried Equifax, they asked me some " qualifying questions '', none of which had any relevant data concerning me, so I answered, '' none of the above '' to all four or five questions. Immediately, i got a message that they could not display my report online and told me how to apply for a copy to be snail mailed to me, complete with copies and attachments to prove who I am. XXXX had no problem. When I tried XXXX, they didn't even ask qualifying questions, they went straight to the paper route. What is the purpose of promoting an online website where we can find out what XXXX shared with the world, and the same with Equifax? 

I did a little looking on the web, and this is a known and prevalent problem and has been happening for a while now I want to be able to see everything these irresponsible companies have about me. The last time I dealt with Equifax and XXXX in which I WAS able to see my data - more than ten years ago, they were riddled with outdated and erroneous information. 

If this has been recurring and unfixed, whomever is responsible should get on Equifax and XXXX and make them comply.. We have no choice to opt out, but I would if I could. 

XXXX XXXX XXXX XXXX, CA
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

Original company : XXXX XXXX ( {$94.00} ) Debt Collector : XXXX XXXX XXXX Reason : XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left Pennsylvania 4 years ago and this charges showed up recently. I am single divorced mom with XXXX young children.
Consumer complaint received 2017-12-31
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Golden Title Loans LLC (TN)

every day for the last 4 months XXXX XXXX has been calling my no and my wifes no 2 to 3 times a day at all times of any given day on Sat and Sundays also. I have asked 10 or 20 times for them to stop calling and they have even texted my wife stating where is the truck XXXX XXXX we will have you arrested. I even called the CEO of XXXX XXXX he lied and said they only call once a day according to his records but my records and phone shows they have called us over a 100 times. One employee stated he and they will call every XXXX day till debt is paid. We are so tired of companys breaking the law and no agencies do anything bout it. We as hard working tax paying Americans are held to obey the law and its ok, but company think they are above the law in question. What I think shoulsd be done is to be paid XXXX a call for their unlawful collection acts and violations of the Fair Debt Collection act.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

Original company : XXXX ( {$140.00} ) Debt Collector : XXXX XXXX XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left New Jersey 5 years ago and this charge just showed up on my credit report. I am a single divorced mom with XXXX young children.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

Original company : XXXX XXXX XXXX {$94.00} ) Debt Collector : XXXX XXXX XXXX Reason : XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left Pennsylvania 4 years ago and this charges showed up recently. I am single divorced mom with XXXX young children.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

ON Thursday XXXX, I ordered XXXX pair of glasses off XXXX..Once I place the order {$280.00} was fraduently removed from my account. I call my bank minutes after it happened till this day I am still fighting to get my money back through Bank of America XXXX XXXX. That was my whole check and I have been pleading with them to either call XXXX or refund my money.. Which was for car repair I can not get my car out the shop because of this situation, when they refuse to refund me that money. XXXX has tried to give me a credit but were unable to because Bank of America canceled that card. This happened before in XXXX where someone has trade ins electronic device on my account my account was shut down for XXXX in XXXX, and I was refunded by XXXX XXXX, and it was prepaid account. All XXXX  HAS TO DO IS CALL XXXX THEY REFUSE TO CALL IT HAS BEEN XXXX DAYS AND THEY STILL ARE NOT TRYING TO GIVE ME MY MONEY, IN COMMERICIALS ALL I SEE IS MONEY IS INSURED YET I GIVE MY HARD EARNED MONEY TO THE BANK EVERY XXXX WEEKS BEFORE I EVEN KNOW HOW MUCH IM GETTING PAID YET THEY TREAT ME AS IF XXXX XXXX XXXX. I CALLED IN TEARS BECAUSE I CANT PICK UP MY KIDS FROM SCHOOL AND THEY STILL REFUSE TO CALL XXXX OR REFUND ME. THEY KNOW I AM XXXX AND IM BEING TREATED THIS WAY BECAUSE OF THE XXXX XXXX XXXX XXXX. IVE HAD XXXX FRIENDS HAVE THIS SAME ISSUE AND THEY GET REFUNDED DAY XXXX. I DONT KNOW WHAT TO DO FOR A BANK THAT HAS MILLIONS OF DOLLARS TO TREAT THEIR CUSTOMERS LIKE THIS THEY NEED TO BE FINED OR DONT NEED TO BE ABLE TO OPERATE WITHIN THE UNITED STATES I AM XXXX XXXX XXXX AND FOR A BANK TO TREAT ITS CUSTOMERS LIKE THIS IS NOT ACCEPTATABLE. THEY ALREADY LIED TO ME ABOUT A PROMOTION FOR {$100.00} TO GET ME TO SIGN UP FOR THE CHECKING ACCOUNT, AND XXXX  MONTHS LATER WHEN ITS TIME TO PAY ME THEY USE A FINE LINE PRINT THAT A NORMAL XX/XX/20 VISION PERSON COULD NOT READ. THEY ANSWER MY CALL EACH TIME I CALL SO THEY ARE NOT THAT BUSY THAT THEY CANT CALL AND GET MY FUNDS FROM XXXX THAT IS JUST THE XXXX  THEY HAVE FOR THEIR XXXX CUSTOMERS. I NEED HELP OR I WILL GO TO XXXX AND THE NEWS ... I HAVE GRANDKIDS THAT NEED TO BE PICKED UP FROM SCHOOL AND WITHOUT MY CHECK I CANT GET MY CAR AND THE BAD THING IS I HAD JUST GOT PAID THE SAME DAY ... PLEASE HELP IVE BEEN ON XXXX AND MY NEXT STEP WILL BE THE NEWS CAUSE IM TIRED OF PLAYING GAMES OVER {$280.00} WHEN THIS BANK HAS MILLIONS ... .AND THEY NEED TO STOP TREATING THE XXXX XXXX WRONG ALSO CAUSE THAT IS A FORM OF DISCRIMENTATION ... MY NEXT IS THE NEWS ... BECAUSE IVE WROTE ABOUT MY ISSUE WITH THE PROMOTION AND NEVER HEARD BACK FROM YOU SO I KNOW THEY ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was part of the XXXX credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place.
Consumer complaint received 2017-12-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I sent a XXXX deposit to Coinbase on XX/XX/XXXX, which was received by their bank on XX/XX/XXXX. For XXXX Euros. 

The deposit still has not been added to my online account with coinbase, nor has the money been returned to me. The deposit/transaction is still showing as pending on my coinbase account. Even though, my bank has confirmed that their bank has received the funds on XX/XX/XXXX. 

Coinbase support have only responded using templated emails and have not provided an explanation, timeframe or proposed resolution. Whats worse, they responded saying that all my transactions have gone through and that they ca n't see anything wrong in my account. 

Coinbase took my deposit on the XX/XX/XXXX and have held onto my money. And have not made it available for me to spend of withdraw, or given a reason for the delay. The deposit/transaction has been stuck as pending since XX/XX/XXXX, and coinbase have my money, but have not updated my balance for the last 3 weeks. 

I fear I will never see my money again.
Consumer complaint received 2022-01-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (PA)

This company is attempting to collect a debt that is more than XXXX years old with the original creditor. I would like for this debt collection to stopped and be removed from any of the credit reporting agencies. Also, this was reported incorrectly. This was a voluntary repossession, not involuntary. The vehicle was dropped off at a XXXX dealership in XXXX, TX by my ex.
Consumer complaint received 2021-04-22
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. (MN)

REPEAT ISSUE : Inaccurate, unverified bankruptcy reporting against me. At this point this dispute is to collect more evidence of willful negligence from the credit bureau in this issue for court. 

No real investigation has been conducted on the issue.
Consumer complaint received 2017-12-31
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. (FL)

XXXX XXXX, Senior Collector at XXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX about my account being negative. Since it was a new account I had just opened in XX/XX/XXXX, I had not even used the account yet. I was only able to set up my direct deposit from my part time job. I replied to XXXX 's email stating that my XXXX account was hacked and fraudulent purchases were made. Because my new bank account was attached, it tried to withdraw from it. I contacted XXXX and they closed my account and I had to create a new one. I even provided her with the email from XXXX in regards to the fraudulent charges. The bank told me I had to physically come inside the bank to dispute. At the time, I lived in XXXX, GA and could not physically walk into any branch, therefore opening up a dispute online through their secure inbox. Even after providing proof, they still didnt close the account for fraud and began reporting this on my credit report. I have attached the conversation between me and XXXX from Florida Commerce.
Consumer complaint received 2017-12-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I was conversing with someone from XXXX on 3 tickets to the XXXX XXXX game on XX/XX/XXXX. We emailed back and forth regarding procing. I got a request via Wells Fargo from his account ( name and number of requested included in this request ). I sent the money and tickets never came. Then email responses stopped. I called the number that I got via XXXX and the person who picked up said they never posted an ad about tickets. He claims identity theft. I called my bank and told them that he money was transferred to an account via there app. They refused to help.
Consumer complaint received 2017-12-31
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. (TX)

I have sent letters via fax and certified mail to have my credit report corrected since late XX/XX/XXXX. I have in return been told these acounts have been verified. I have asked for all supporting documentation that I lawfully am given this right under the Fair Credit Reporting Act 15 USA 1681g. As well as instructed them under said act to not return with " these accounts have been verified '', they have done just that. These accounts are not accurate and are very detrimental to my credit and livelihood asyou credit is a reflection of my character, reputation and credit worthiness. I have also instructed them if they can not provide me with the documentation that they have retained in their files as of that date that they are to delete such account as required under section 611 ( a ) ( 5 ) ( A ) ( i ). Under FCRA 15 USC 1681i all unverified accounts must be promptly deleted.
Consumer complaint received 2017-07-11
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. (IL)

Original company : XXXX XXXX XXXX ( {$260.00} ) Debt collector : XXXX XXXX XXXX  Reason : Fraudulent Account I never open credit card with XXXX XXXX in 2015.
Consumer complaint received 2021-11-27
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

Navient is showing that I have missed a payment in XXXX and XXXX of 2020, which is inaccurate and misleading information. I have Never paid late on this account, this company is in violation for reporting inaccurate and misleading information according to 15usc 1692e and also for reporting late payments according to 15 usc 1666b. The payment history is also showing to be inconsistent. The month of XX/XX/2020 it shows that I was 90 days late and XXXX shows XXXX  days late. How is that possible? If I have been current every month before then. These late payments are ruining my reputation as a consumer and has hurt my report tremendously.
Consumer complaint received 2017-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

My home at XXXX XXXX XXXX in XXXX, XXXX, New York was discharged in a bankruptcy in XXXX of 2011. The docket number is XXXX. I have the name of the Law firm I used, the name of the Bankruptcy Trustee and the name of the US Bankruptcy Judge, if you need them. The loan has been sold so many different times and to so many different companies I can not count. All these Mortgage companies keep sending me certified letters and calling me- non-stop since 2011. One of  the companies even put the bad loan back on my credit report and we had to contact the Bankruptcy lawyer we used to get the info removed. I believe there was a class action against that company and they have to pay out small settlements to those involved. Why did n't the first bank just take the property and leave me alone? We are trying to move on with our lives. Local taxing entities from the Town are still sending me tax bills. I have told my Attorney about this several times and he does not think I have anything top worry about?