davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX I attempted to withdraw {$500.00} from an ATM. The ATM displayed an error and didn't distribute the funds. However, the {$500.00} had been taken from my account. I called the XXXX number on the ATM and drove immediately to the nearest Huntington Bank location XXXX The person at Huntington Bank told me I would have to file a dispute with my bank for that transaction. So, I went home and filed the dispute immediately. In the meantime, I was credited the {$500.00} while the dispute was being reviewed. XXXX weeks later, I notice that my bank, XXXX, took the {$500.00} back out ( XX/XX/XXXX. ) I called XXXX on XX/XX/XXXX to ask why the funds were taken out and they stated that they received information from Huntington Bank stating that no error had occurred. I asked my bank, XXXX, to open up the dispute again and request VIDEO from the ATM to verify. On XX/XX/XXXX I filed a report with my local police department and they went to the bank to request video. On XX/XX/XXXX I also filed a complaint with the XXXX. I have yet to hear back from my local PD. On XX/XX/XXXX I called XXXX again and requested that they ask for video evidence and why my dispute hadn't been reopened. On XX/XX/XXXX I called XXXX again and asked why a member of their dispute team hadn't called me back yet. At that point in time, I was informed that they reviewed my call from XX/XX/XXXX and that there was in fact an error at the ATM and that I would be getting my {$500.00} back in the next XXXX days and that I would receive a call from a manager within XXXX hours to confirm this and provide written confirmation. On XX/XX/XXXX I hadn't heard back from XXXX so I contacted them. Now, they're saying that there were no notes put in to reflect the refund of {$500.00} or the request for a manager call back.
Consumer complaint received 2022-04-02
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: Westlake Services, LLC (CA)

I remembered I get the car Way back 2019 In XXXX sports and Westlake financial services there told me 60 months then suddenly become 66 months and told me I pay only 350 my monthly but in the end they can not register my car in New Jersey I need to travel to Nevada and register my car
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have a XXXX XXXX XXXX with XXXX University who decided in XX/XX/XXXX to switch their accounting to the Department of Education ( DOE ). Prior to this switch, they had XXXX  XXXX XXXX ( XXXX ) as their accounting service. They did switch and per the DOE 's website, my payment had a due date of XX/XX/XXXX. The last statement I rec 'd from XXXX was in XX/XX/XXXX, which had a due date of XX/XX/XXXX. That was paid and I even did due diligence and paid an addtl payment at the end of XX/XX/XXXX, even though I had no addtl statements from XXXX. I took a screenshot of their website on XX/XX/XXXX and it reflected their wasnt anything due and my last login prior to the XX/XX/XXXX login was XX/XX/XXXX. I received a notice from XXXX University at the beginning of XX/XX/XXXX stating they decided to not use the DOE for accounting and would continue with XXXX. I received a call from a XXXX rep on XX/XX/XXXX stating my account was 100 days past due. I still had no addtl statements or correspondence from XXXX  after the XX/XX/XXXX statement, which I explained to the rep. I also explained to her that XXXX decided to use DOE for accounting and then changed its mind. She said she understood and would have someone look into in to it. I checked XXXXXXXX XXXX website while on the phone with the rep ( XX/XX/XXXX ), and it reflected an amount due of {$58.00}, but had a due date of XX/XX/XXXX. When I went to pay it, it showed it as a past due balance, which was erroneous. I paid an amount of {$130.00} that day ( XX/XX/XXXX ), just to even one of my bank accounts. Mind you, nothing was due XXXX. On XX/XX/XXXX, I received an email from XXXX stating there were documents on my account. I checked my account portal and behold, there was a past due notice ... .again, still no statement generated from XXXX after XX/XX/XXXX and XX/XX/XXXX, their website reflected an amount due of {$170.00}, but with a due date of XXXX. Remember, there was only an erroneous past due balance on XXXX. 
I filed a complaint with the XXXX  on XX/XX/XXXX with the above details, along with screenshots of their website, etc., and received a response from XXXX stating my account would be corrected and that nothing was reported past due. 
I received a credit alert on XX/XX/XXXX regarding a delinquency on my credit file. Behold, its regarding this particular student loan and showing that it was 60 days past due as of XX/XX/XXXX. This is incorrect. Look at the screenshot dates versus the conflicting/erroneous information on XXXX 's website, as well as the screenshot from the DOE 's website with the XXXX due date.
Consumer complaint received 2022-04-02
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. (VA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

I am XXXX XXXX and I am submitting this complaint against DISCOVERY FINANCIAL SERVICES DISCOVERY FINANCIAL SERVICES has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to DISCOVERY FINANCIAL SERVICES to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND DISCOVERY FINANCIAL SERVICES to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND DISCOVERY FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND DISCOVERY FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND DISCOVERY FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND DISCOVERY FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) DISCOVERY FINANCIAL SERVICES duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Consumer complaint received 2022-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (TX)

I am XXXX XXXX and I am submitting this complaint against WESTLAKE FINANCIAL SERVICES WESTLAKE FINANCIAL SERVICES has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to WESTLAKE FINANCIAL SERVICES to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) WESTLAKE FINANCIAL SERVICES duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Consumer complaint received 2022-09-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MI)

In 2020 my hours at work were cut due to COVID and with that I reached out to my mortgage company Amerisave to inquire on any programs they may have. They allowed me to enter a hardship assistance program where I would not have to pay my mortage with the understanding when things return to normal I could return with my payments. 

I have been working with Amerisave to attempt and enter a partial claim and or loan modification. There have been issues with both and I am currently behind approx {$30000.00} however I have been paying the regular monthly payments for about 9 months now. 

I was never advised of the specifics regards the partial claim and that it would be added to the end of the mortgage and essentially become a lein against the house in which I would have two ( original mortgage and now this partial claim ). 

I would like to re-modify the loan however they are not able to supply a payment that is at or below my current one so that has not worked out. 

I am not struggling where I cant pay off the estimated {$30000.00} that is owed and because of that it shows I am behind on my mortgage for that amount.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (CO)

This complaint is in regards to cfpb complaint # XXXX. I filed a complaint with the cfpb in regards to my XXXX XXXX. The cfpb looked into the matter and contacted Barclays XXXX XXXX XXXX. Barclays XXXX XXXX XXXX noted in a response letter addressed to the cfpb and me that they would reinstate my Barclays XXXX XXXX XXXX. Apparently as a result of this response the cfpb closed this case. However, even though I received a letter from Barclays XXXX XXXX XXXX noting that I could begin to use my credit card once again on the specified date, the card continues to be declined when I attempt to utilize it. I did attempt to contact Barclays / XXXX XXXX with the telephone number provided on the response letter however I have failed to get a response back after leaving several messages with Barclays XXXX XXXX XXXX to do so. Would you please open a new case and follow up with Barclays XXXX XXXX XXXX to address this issue. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-10-20
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: GOLDMAN SACHS BANK USA (NE)

I have an old credit card account listed on XXXX as " APPLE CARD/GS BANK USA '' listed as " Open '' which is incorrect. The account was closed three to four months ago and I let XXXX know that it is being incorrectly reported as open when in fact it has been closed for a long time. This account was never reported as late or anything like that. 

XXXX verified within 24 hours that the account is indeed open, despite me sending a copy of a letter from the creditor, dated three months back, that the account is closed. I am not sure why they think the creditor letter 's lack credibility. I am not sure if they bothered to even read the letter I provided them from the creditor. It clearly states the account was closed. It was at my direct request. 

I submitted a second dispute with much of this information contained herein and called XXXX dispute department to ask a few questions to see if I can get this resolved correctly this time. 

The XXXX representative claims XXXX contacted the original creditor who verified the account was open. I do not believe this is truthful. He then stated I filed the wrong kind dispute the first time. The dispute was under category " account closed '' He said the second dispute was the right category. It's the same category both times. I question whether he even looked at the first dispute. 

He became argumentative very quickly after I pointed out it's essentially the exact same dispute a second time. It took several requests to have him let me speak with a supervisor. After holding for a while, the representative stated he can not wait more than five minutes and so I need to wait for a call back to speak with a supervisor. 

Given they can not be bothered with reading a letter in PDF format from the original credit, I doubt it even matters IF a supervisor even calls back. 

XXXX is blatantly violating the FCRA by not investigating a dispute that has obvious merit.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/2022 i filed for Bankruptcy. 1 month Prior to filing, i completely paid off XXXX. I had a XXXX balance as of XX/XX/2022. I asked XXXX to please close my account. For whatever reason they never closed it! XXXX was not on the petition of the bankruptcy because it was no longer a debt. It was completely paid off 1 month prior of filing. This was before i was completely sure if i was going to file. Even my attorney told me it was not required on paid off accounts especially those that were paid off a month before filing. After i filed bankruptcy, XXXX took it upon themselves to report this account including in bankruptcy when it was clearly not part of the bankruptcy petition. It should of stated closed by consumer. They took a 2 year positive exceptional payment history, and turned it upside down into a negative status when there was no money owed! You are only required to include DEBTS THAT ARE OWED in a bankruptcy petition, not every account that are reporting. Paid off accounts are excluded from a bankruptcy. THEY ARE NOT DEBTS!!! Especially since the account was completely paid off prior before filing the bankruptcy petition. XXXX was suppose to close the account back on XX/XX/2022, but did not! They took a positive exceptional account, and turned it upside down! Why??? This is Illegal and is a violation. Who are they to change the laws? I was a good paying customer, and they made it look like the entire account was charged off in the bankruptcy. Why would i pay you then? They are reporting incorrect information on the credit report. When someone pays off a debt, they have to get credit for paying it on time. It was paid early. They are reporting it like i was delinquent when i wasn't! You can not report incorrect information on a credit report! People sue millions of dollars every year for careless acts like this! I want to file a complaint against XXXX for damaging my tradeline with incorrect information reporting. They refused to remove it when i called. They have no clue what they are doing. They are hurting my credit report when they did this! Every account matters even in a bankruptcy. This is the one account i wanted to walk away in good standing. They are making me look bad! If i ever want to get another account with them, They will see i filed bankruptcy on them and burned them, when i didn't! Is this right or fair to me??? Its basically telling the credit reports that i did something wrong, when i didn't. I was in good standing with them, not the other way around!
Consumer complaint received 2022-10-20
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. (NJ)

I started disputing fraudulent inquiries in XXXX of 2022 and neither of the bureaus are doing anything to assist me! They're not responding to the disputes or even removing the inquiries. These inquiries being on my credit report is holding me back from applying for credit and I don't like that I'm not getting anywhere with any of the bureaus! I have sent a dispute on XX/XX/XXXX and XX/XX/XXXX ; both times were through certified mail so I KNOW they got my letters!
Consumer complaint received 2022-04-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rausch Sturm LLP (MI)

I was on a payment agreement set up by attorney XXXX XXXX XXXX # XXXX for an account that I never got the opportunity to have validated original creditor was XXXX XXXX, but they served me papers and threatened putting a lien on my house so my wife insisted we start paying. The {$160.00} payment was automatically taken out of our account biweekly and XXXX XXXX stated he would call me when it was time to renew the auto debit. He or his office did not. My wife noticed the payment was not taken out of our joint account and assumed I used my personal account to make payments. 3 months later of no payments and 14 messages left for this attorney I finally get someone who will talk about my case. I was told XXXX XXXX filed a wage garnishment against me for non payment and even if I paid the {$4000.00} balance they would not stop the wage garnishment. I demanded to have XXXX call me immediately and when he did not only did he use profanity, call me out of my name, talk down on my ethnicity, when I told him it was illegal to take money from me in excess of what was owed he told me he can and will do whatever the XXXX he wants to do and slammed the phone hanging up on me! 5 days later I get a wage garnishment in the mail from Michigan XXXX XXXX Treasury and I object it with the court. The paper states I have 14 days to dispute it. I had {$690.00} garnished from my paycheck exactly 8 days after this attorney refused to stop the garnishment if I paid the balance in full, was vulgar and unprofessional and hung up on me. I contacted the court who stated my 14 days has expired and this attorney served me the papers later than he should have. I contacted XXXX XXXX who would not help and referred me back to XXXX XXXX XXXX at Rausch Sturm. My wife and I called repeatedly over several days and left messages and got no return calls, my wife emailed and got No reply. How is this legal to talk to someone like this, threaten them, use such vulgar language and tell me they can make me pay double on an unverified debt??
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

I have been waiting for my refund from both XXXX and Mohela since XXXX of this year. I am owed approximately {$14000.00} from XXXX and {$11000.00} from Mohela. 

On XX/XX/XXXX I called for a refund from Mohela for the amount paid on my student loan during the COVID forbearance. They said they were initiating the refund and refunded me for the few months I had paid them after I was transferred to them, but they had to wait to get refunded from XXXX before they could refund me. 

I called XXXX on XX/XX/XXXX and they said they could only refund me for what I paid them during that time and the rest was through Mohela who was my current loan holder. XXXX told me I would be refunded around XX/XX/XXXX. I did not receive anything from them. 

XX/XX/XXXX XXXX told me they were refunding me for my loans XXXX XXXX XXXX XXXX XXXX XXXXhat I paid XXXX XXXX XXXX XXXXXXXX. On that same day Mohela told me they were refunding me for my loan # XXXX from XXXX XXXX XXXX They said it would take 30 days. Still no refund. 

I called on XX/XX/XXXX and XXXX says that my refund shows it was submitted, approved, and escalated and still in processing with the Department of Treasuring. I am waiting for {$14000.00} that XXXX claims it is now up the Dept. of Treasury to give me the refund. 

XX/XX/XXXX Mohela also informed me that my loan was being processed and still waiting for approximately {$11000.00}. 

It is now XX/XX/XXXX and I have yet to receive any refund. I am not sure if I am trying to patiently wait from the Dept. of Treasury or why I have been trying to get my refund for 6 months. 

Thank you so much.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX