davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

We filed for Bankruptcy in 2009 and our case was discharged as planned. However Experian has been has continued to report the XXXX credit card info that has been discharged. I 've gone back to the bankruptcy lawyer that assisted us in the bankruptcy but we have not gotten resolution. We would like XXXX XXXX stopped reporting to my credit report per our bankruptcy. Last reporting date was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past Due : XXXX Days : XXXX : DEBT INCLUDED IN OR DISCHARGED THRU BK XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATETXXXX : BANKRUPTCY CHAPTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days : XXXX Days : XXXX Days : XXXX, XXXX, XXXX
Consumer complaint received 2016-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I 've been disputing an account with XXXX XXXX for approximately a year now and have been sending required documents to them regarding an account that they listed on my Experian credit report as a {$270.00} charge off. After providing them with receipts they finally removed the charge off from XXXX of the XXXX credit reports. ( XXXX and XXXX records have been updated ). After several attempts, I still can not get Experian to update their records. A rep from XXXX has already confirmed that they have sent the updated info to Experian but the charge off still remains on my credit report 6 months later.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

I obtained a credit report from Experian on XX/XX/2017. We also obtained one for my wife using my credit card for both. The credit report was " free '' and they charged a {$1.00} for credit scores. They had a pop up with a lengthy description of terms of service which I accepted. ( I did not read it thoroughly as this stuff is mostly boiler plate usually. ) I accepted. On XX/XX/XXXX they made XXXX separate charges of {$21.00} on my credit card. I noticed the charges on XX/XX/XXXX and called. They indicated that it was a membership fee that I agreed to in the terms of service area. I have to say, that the disclosure is not clear. I asked for a refund and they refused. They have supposedly cancelled my membership but will not refund the nearly {$44.00} in charges that were not plainly posted. I know of no financial institution that can bury notices like this and the lengths that mortgage companies must go to in disclosure and think Experian is using deceptive practices with the {$1.00} charge to lure you in and accept the terms of service with the hidden fees. I want Experian to refund my moeny.
Consumer complaint received 2015-07-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (SC)

I purchased a XXXX Hyundai Santa Fe from XXXX XXXX XXXX in XXXX XXXX SC on XXXX XXXX 2015. After reviewing the contract and after the contract was already sent to the lien holder ( Ally bank ), I decided that I wanted the gap coverage of {$790.00} and the extended service warranty of {$1500.00} charges returned to me or my lien holder. After fighting with the dealership and being told lie after lie I finally got my money back. The amount of {$1500.00} was sent toAlly bank and applied to my account on XXXX/XXXX/2015. The amount of {$790.00} on XXXX/XXXX/2015 was also eventually sent after a complete run around of who should refund this money. I looked at my payment history with Ally and noticed that the amount of {$1500.00} was posted which made me very happy. Then when checking my history again I noticed that the amount had been reversed and never has been reposted. I called Ally, spoke with XXXX ( XXXX/XXXX/15 ) and was asking why this was done and I would like to know where my money was. They stated the reason it was reversed was due to that it was a service warranty and that they had taken interest on the amount so they needed to correct that mistake. It has been two months to correct that mistake. I called Ally again on XXXX/XXXX/2015 and spoke with XXXX she could not answer my questions so I asked for a supervisor. I then spoke with XXXX who told me that after checking with someone that he could not give me a date when my money would be reposted to my account. He did n't want to add to my frustration and would not give me a reason why it was taking so long or why I could not have a date for expecting my money to be there in my account. I addressed also that the {$790.00} gap coverage warranty was posted and that they had taken out interest on that so I wanted that reversed also and the interest taken off. Today is XX/XX/XXXX and in 3 days as you can see from my attachments that has been taken care of - even though they reposted as if they did it on XXXX/XXXX/15 when it was n't done until the last XXXX days. As you can see the amount of {$1500.00} has not reposted to my account. I do not know why you have to fight so hard for your money but if I owed them they would want their money now. I have my car payments in a timely manner, never late. I would just like the same respect and I wish there was someway I could get back all the time and frustration that I have spent on this commitment. Fighting with the dealership and now this bank. I have put in many hours talking to people, arguing and being lied to. I just want my money posted to my account and treated like they would want to be treated. They want me to pay them money toward the loan and I want them to post what is owed back to the loan. Thank you!
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX is not being reported correctly again. The date the account allegedly was opened is confusing and looks to be in error. The application was signed XXXX/XXXX/XXXX however they are alleging the account was opened XXXX/XXXX/XXXX. The full payment history including all of the credit card statements were not submitted as per XXXX XXXX. The billing practices are in question now, due to not giving full disclosure on the biling and the payment history which was also requested with Case XXXX.Where is the proof that they confirmed the open date of the account. There all sorts of inaccuracies and incomplete items regarding the reporting. The credit bureau indicates the account was opened on XXXX/XXXX/XXXX. For all of XXXX up to XXXX XXXX how can I assume the reporting was done properly and correctly. 
Experian is not PROPERLY reporting the date the account was opened
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 — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I reached out to XXXX, Equifax, and XXXX on XX/XX/XXXX asking them to verify these debts by contracts and signatures of mine I also sent them police reports they still haven't removed anything ( XXXXXXXX XXXX XXXX XXXX  ) {$1800.00} XX/XX/XXXX, bankruptcy XXXX XXXXXXXX XX/XX/XXXX, bankruptcy XXXX XXXX  XX/XX/XXXX, bankruptcy XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2016-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

Ditech Financial LLC f/k/a Greentree services my XXXX mortgage. 
During XXXX we have paid Ditech {$35000.00} in payments that they have neither credited to our account nor refunded to me. 
We have sent them multiple letters requesting an accounting or refund of these amounts and have received letters saying they are " looking into it '', but no resolution to date. 
These payments were made beginning XXXX XXXX, XXXX, so they have been holding, and presumably diverted, my funds for at least 8 months.
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

Ditech 's website provides erroneous information, does not work half the time, tells me a false payment amount, provides a customer service number hat hangs up immediately -- dear XXXX, ca n't you do something about this completely incompetent organization that I never chose to do business with?
Consumer complaint received 2023-02-23
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: Westlake Services, LLC (NY)

After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

my wife died XX/XX/XXXX and I sent copy of death certto Green Tree financial and requested loan be in my name only, title to property was also changed to my name only. Green Tree change loan to reflect this. XX/XX/XXXX I filled for bankruptcy and Green Tree changed the loan back to XXXX our names and refuse to change it back to my name only, also they issue all tax statements in my wife 's name. Can not understand how they can carry this on since my wife is dead and I pay all bills and all tax statements should be in my name, how does a company issue tax statements and loan info two years after some one has passed.
Consumer complaint received 2017-10-11
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Navient Solutions, LLC. (CA)

Pioneer Credit Recovery has continuously attempted to contact me after I informed them the debt they were trying to collect was not valid. They contacted my employer several times, they contacted my family, they contacted friends. They even contacted distant family members that live out of state, and one of my friends at their place of business. the overall harassment is not only  embarrassing, but incredibly stress inducing.
Consumer complaint received 2015-05-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Forster & Garbus LLP (NY)

Forster & Garbus LLP representing XXXX XXXX XXXX XXXX violated NYS Banking Usury Laws by charging 25 % interest rate on an alleged debt. The authenticity of the contract along with other documentation provided to us is in question, especially when none of them shows the actual Bill of Sale or Assignment of the original lender on the contract " XXXX '' to XXXX XXXX XXXX ( XXXX ), XXXX with the account number XXXX. There is documentation showing the said account highest balance of {$7400.00} and on our credit report there is a judgment of almost {$17000.00}. We have requested an itemized description of all debits, credits, charges, including interest rates and attorney fees but we have not gotten any documentation showing how they arrived at the final sum or any paperwork with itemized deductions or credits, etc. from " XXXX. " More importantly, they have violated the FDCPA laws by1 ) Not ceasing all collecting activities upon request for verification of debt. 
2 ) Has failed to provide an explanation of debt3 ) XXXX XXXX, a customer service representative from Forster & Garbus LLP was extremely rude on the phone when asked to explain why collection activities were still going on and we have sent a validation letter4 ) The service provided or lack thereof, resulted in additional damages to our credit, personal income and health5 ) They never initially informed us that we had a right to dispute the debt6 ) unethical collection practices
Consumer complaint received 2016-01-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK (AZ)

I purchased a vehicle from a small car dealership in XXXX Arizona. I had the vehicle for a little over a year now. I went to go trade the vehicle in at a big dealership and when the sales manager pull the XXXX and XXXX on the vehicle to find the vehicle 's odometer has been rolled back. I signed for a vehicle with XXXX miles. It really has XXXX miles. Earlier last year the dealer filed a restraining order on me because he stole my wifes car and he wanted to keep me away from it while he was ripped everything that we own out of the vehicle along the sums of about {$1500.00} worth of items. The police would not file a stolen items chatge on the dealers owner. I had no way of contacting him and getting to the bottom of the situation through the dealers owner. I contacted the bank and the bank told me that I 'm still responsible to pay for the vehicle which is {$15000.00} more than what is actually worth. I finance the vehicle for {$19000.00} and the owner of the dealership knew that the vehicle 's odometer has been rolled back and still sold it to me for {$19000.00} even though the vehicle is only worth {$5000.00} trade value. I have all documents to show that this vehicle was at XXXX miles when I sign for it. The dmv has documentaion thatvthe vehicle is signed for has almost XXXX miles on it.This dealer has been doing a lot of scamming to the public people of Arizona and the state of Arizona is not doing anything to prosecute him or recover anyone 's damages, I still have to pay for the murchandise that the owner stile out of my famikystuff car. I ca n't afford a lawyer. I know I am part of a struggling working family and I ca n't afford legal representation because they are very expensive. The dealers owner has numerous law suits against him so recovering losses may be out of the question.
Consumer complaint received 2016-04-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (LA)

This is in reference to the Company by the name of Big Picture Loans. This company approved me for a loan in the amount of {$800.00}. When I spoke with XXXX of the representatives from the company she stated that it would be a one time payment of XXXX for the finance fee. Then I would be able to pay the additional {$800.00} off in monthly payments. She told me that they would automatically take the money out of my account unless I would call and specify otherwise. Well as it was getting close to the first finance fee payment I made sure all of the money was in the bank for the first {$280.00} to be deducted. Then out of curiosity to see when the next payment would be or the amount they would be asking for to pay off the amount that I borrowed was the {$800.00}. I realized that they did not send the lending disclosure until after the loan had been processed. The documents were not what was not the same as which was verbally contracted. These people had set me up to pay them {$6000.00} on the loan that was {$800.00}. I would have never accepted anything like this so I tried to contact them and XXXX of the agents kept apologizing for the misunderstanding of the conversation of the last representative. But we went over this several times about the finance fee just to be on the safe side. These people misled me and are basically stealing. They have access to my bank information and are trying to ruin my bank account pulling money that is not owed to them at a constant for {$6000.00} for {$800.00}. This is not right I then looked for complaints from other customers and come to find out that they were once called XXXX and that they had switched their names. And other people had the same incident as me. This is how I found out about Consumer Finance because of other people that this happened to. If someone could please help me to rectify this matter I would be greatly appreciated because these people are fraudulently attempting to steal something from me that I do not have or owe. Needless to say they are attempting to ruin my bank account that I have had for several years. Thank you for taking the time to listen.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NY)

I requested a copy of my credit report from Equifax on-line, but could not get it, so I mailed in a paper request with the required documentation. In XX/XX/XXXX Equifax contacted me and said they needed XXXX document from each of XXXX categories. On XX/XX/XXXX I wrote back that I had already provided XXXX document from each category. Then they never wrote back and never sent me a copy of my credit report. I am a victim of identity theft, so I need access to my credit report to make sure it does not contain incorrect information.
Consumer complaint received 2016-07-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

XXXX XXXX XXXX XXXX Ally bank is a blatant liar. The letter she submitted dated " XXXX XXXX, XXXX '' is a complete fabrication, it was created in the same time frame as her letter dated " XXXX XXXX, XXXX ''. I have attached the actual correspondence that I received from Ally dated " XXXX XXXX, XXXX. ' This document can easily be validated by the barcoding, XXXX XXXX left that off the " suddenly discovered '' letter she back dated. 
If you read the real letter from XXXX XXXX of last year, it 's obvious that no further communication is needed or expected. The XXXX letters she submitted as my " final resolution '' of my complaint are an amateurish cut and paste job.
Consumer complaint received 2016-08-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (IN)

I have been a member since XX/XX/2016. I review my score daily. I have worked hard to bring my score up since XX/XX/XXXX. My score dropped XXXX points over night from XX/XX/2016-XX/XX/2016. I called Equifax to inquire today. After spending and hour and 10 minutes on the first phone call and hung up on, I called back by direction of their Specialty Dept. I requested to dispute as it was suggested by Specialty Dept. The girl XXXX said they ca n't do that. Disputes are n't filed on scores, they are only filed on companies reporting to the angency peryaining to my file. XXXX was the first person, then her supervisor XXXX, then to Specialty Dept and then to XXXX ( which did nothing but place me on hold and hang up ). No one could explain why the significant decrease. Specialty Dept reviewed my credit summary and said, " there is no logical reason for this change. '' Yet, it happened. XXXX and XXXX both thought it was due to the current dispute. That 's unacceptable as a dispute does not decrease your score XXXX points. XXXX said it was probably from the court/legal accounts. I also said that these are OLD and have not had an effect on my credit for year 's. My score has been over XXXX since XXXX. I called disputes and after validating my personal information, placed me on hold for the duration of the ten minute call and hung up. XXXX and XXXX both remained the same. My member alert came from XXXX about Equifax today. There was also a new address reported within 24 hours. I have not changed my address nor have I reported a new one. How do I get the answer 's to my question about my decrease ( significant ) in score. Should I file a fraud alert?
Consumer complaint received 2016-06-16
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (KY)

After closing my accounts with Chase Bank they sent me a credit balance refund check that Chase Bank would not cash because I did n't have an account with them. The XXXX XXXX branch located at XXXX XXXX XXXX, XXXX KY XXXX began this scam at the drive-thru window then I went inside and discussed it loudly with the bank manager who upheld the scam and refused to cash the check issued by Chase Bank. This is flat out fraudulent activity.
Consumer complaint received 2015-10-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (CA)

I am behind in my car payments due to unforseen personal circumstances. I had established a good standing with Wilshire up to the point of my default and and often paid early. I refinanced an existing loan only to have payment due in just 10 days. I have spoken to Wilshire several times about my inability to pay at this time and tried to work with them. Upon day 30 of my delinquency, they sent a repo man out to repossess my car and continue to call at all times of the day from various numbers. I tried to settle one month with the repo man but he was abusive and would not accept since I was a few days into the second month and he wanted 2 months or nothing. I told him that I was unable to do that and would have to pay my other bills instead. The phone number they are calling me on is my work number and the only number I have. I asked them to stop calling this number as it is affecting my work and ability to pay them back. They have ignored this request and on top of calling me incessantly and leaving nasty voicemails, they are now calling my references and have called one of my references at least four times that I know of. One of the calls they made to said reference was yesterday -- just after I had spoken to them and told them NOT to call my references since they know how to locate me. XXXX from XXXX XXXX ( the same number they call me on then leave a message to call XXXX which is Wilshire ) called at least one of my references at yesterday XXXX XXXX, AFTER my conversation with them at XXXX XXXX. This tactic is used to embarrass, harass and humiliate me ( I told them I know this is an unfair practice under the Fair Debt Collection Act ), not to mention ruin my reputation in a community I have worked hard to establish a name and a business. They know how to locate me! I had just talked to them! I told them I have every intention to get my account paid up and will do as soon as I can. It may be another 30 days, but could be sooner since I am in sales and have several deals in the works. Wilshire has proven they do not want to work with me, but harass and embarrass and intimidate me. If you read other consumer comments on the Web this is a typical tale, and many say do n't take a loan with Wilshire! Generally, I can not have no conversation with these people since they talk over me and are not interested in anything I say. It 's just " pay up or else ''. I am available and can be located as I said, but I do not answer every XXXX # call coming into my phone assuming it is a solicitor and I use this line for business and I am often with clients or need my phone available for incoming and outgoing business calls. Also, when I looked up the number they are calling me from XXXX it is listed under " Westlake Financial '' with whom I have no known business.
Consumer complaint received 2015-11-25
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL INC (TX)

This company is telling me that in order to get out of default, they figure repayment plans with gross income and family size only. They wanted {$800.00} a month, plus the {$610.00} out in wage garnishment. The federal student loan website that a rehabilitation plan must be a " reasonable '' amount. I do not think this is a reasonable amount and would like some help with getting out of default.