davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

My husband XXXX and became XXXX, making me unable to make payments. I asked for XXXX protection as well as asked about the XXXX XXXX XXXX. I inquired about the XXXX credit protection in place, as part of a payment. The company refused to look into any provisions in place for a military members family. This debt collection company has now bought the debt and has not validated it nor looked into these protections on the original account. They continue to report a negative balance of {$490.00}, despite me disputing and the ability to provide documentation. This is a shame to military members who become XXXX serving their country and debt buyers as such are the bottom of the barrel.
Consumer complaint received 2019-03-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WI)

On XX/XX/2019 I submitted my mortgage payment online and it was deemed " effective '' on that same day. The monthly statement states that payments must be made before the XX/XX/XXXX of each month or late payment penalties would apply. The company did not process the payment until 3 or 4 days later and proceeded to send a threatening letter on XX/XX/2019 stating our loan was " delinquent '' and that our loan was presently in " Default '' despite the digital portal used to make the payment stating our effective date was on XX/XX/2019. This happened almost identically in XXXX and I called the company and stated I didn't want this threatening letter sent, that also threatens a negative credit report sent to credit reporting agencies, when the system I used is digital and the payment date should be readily available for them to determine that threatening delquincy and negative credit reporting is unfounded in this situation. Moreover, this company does not practice as a typical mortgage company. Their practices are more aligned with that of a collections agency even to the point of attaching a notice stating they are " a Debt Collector ''. We have never missed a mortgage payment and due to the terms of our employment and how we are paid by said employment, this is how we have to make payments at this time. I do not appreciate these threatening letters and I do not deserve to be treated as though we're not paying our mortgage. I want my mortgage sold to a proper mortgage company and not held by this falsely labelled Debt Collections Agency. I should not have to pay for a refinance to have this company removed from my loan for their dishonest practices.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (TN)

I wrote a check ( # XXXX ) on XX/XX/2020 to what I thought was my moving company that I had a legally binding contract with, however it was a contractor that they illegally sold my move to. When they picked up my belongings they illegally increased the pricing and I did not sign a bill of lading and have proof they altered the document to make it appear as if I did. I only provided the check on XX/XX/2020 because the mover in my house made threats indicating he was trained by a boxer who is now in prison with a XXXX conviction, but did not sign the bill of lading because I did not agree. When I wrote the check I wrote " XXXX '' in the Pay to the Order Of because of was panicked and saw that word at the top of the Interstate Bill of Lading form. Wells Fargo allowed a customer to deposit that check, despite the fact that it wasn't written to any company or organization involved in this move and certainly not the correct name to be deposited in the individuals account. I am missing over {$800.00} in belongings and the company I contracted with did not deliver a good or service. I called Wells Fargo and they told me there is nothing they can do about depositing an inaccurate check into someone's account, which explains why this organization has been able to run their fraud scheme for so long. 


Company I contracted with : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Principal address XXXX XXXX XXXX XXXX  XXXX XXXX, GA, XXXX XXXX  # XXXX Who communicated with me about the scheduled driver arrival : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Principal Address XXXX XXXX XXXX XXXX XXXX, IL XXXX, DOT # XXXX XXXX XXXX XXXX XXXX, IL XXXX Who picked up my belongings : XXXX XXXX on behalf of XXXX XXXX XXXX who operates under multiple XXXX 's ( XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX ) but not of these XXXX 's have a legal DOT # Where my belongings were stored : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Principal Address XXXX XXXX XXXX XXXX XXXX, IL XXXX, DOT # XXXX XXXX XXXX XXXX XXXX, IL XXXX Who delivered my belongings : XXXX ( subcontractor of XXXX XXXX XXXX ) and this is when over {$800.00} was missing or broken This organization operates illegally and scams consumers out of money because they have them trapped needing to move that day. I simply asked Wells Fargo to look into how they allowed a deposit to occur when the " Pay to the Order Of '' was clearly incorrect and they are largely not concerned and again a main reason that these individuals are able to get away with their fraud.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I stayed at the XXXX XXXX in XXXX which I was supposed to stay several days they charged my card twice which was XXXX and XXXX I only wound up staying one day in which I asked for a refund for the difference and I disputed this transaction with Wells Fargo. they provided me with a provisional credit of the disputed amount. They told me pending the outcome I should be fine, It is now XX/XX/XXXX 4 months later they are stating the claim was denied they withdrew the credit now my account is negative {$1100.00} I called the bank back they claimed it was nothing they can do so all of my checks coming in will be taken in this covid times it is hard enough. I deserve a refund..any help will be appreciated.
Consumer complaint received 2019-03-26
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. (NJ)

I sent out a certified letter to Experian last month requesting verifiable proof ( an original consumer contract with my signature on it ) for a few accounts listed. I received the results of my dispute report yesterday with no proof at all stating its verified. These accounts/creditors have reported on my Experian report and have also failed to provide any documentation as well. I would like for this matter to be resolved as soon as possible.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I woke up on XX/XX/2020 around XXXX XXXX  and realized that my two Chase issued credit cards, the XXXX XXXX and XXXX XXXX, has been removed from ApplePay. I thought it was weird and unusual that it happened so I logged into my Chase Online account and saw that my available limit for both cards have been decreased to {$0.00}. My credit limit was {$23000.00} and {$9000.00} for these cards respectively and had been a customer for 2.5 - 3 years, using their credit card services and almost 10 years with checking/savings services. My usual monthly spending is around {$1000.00} for each card and I have paid my balances in full EVERY month. I called Chase customer service to figure out the problem and after being transferred to multiple departments, I was told that my account was closed because I have closed other accounts with them such as investment banking, etc. I told them that I have NEVER had any of these accounts they claimed I closed, and that I have been a good customer with them for many years. ( I was still using these cards the night before ). I asked for a more detailed reason of why they closed my two credit card accounts, and they told me that there really was no reason and just that Chase decided to " end their relationship '' with me. Personally, I am very offended because I have not done ANYTHING wrong in which a bank decides to close my credit card accounts even though I pay my balances in full EVERY month for the past couple of years, with not a single late payment. Also, I have always had direct deposits every week into my account so they already have my source of income. Please someone address this issue or let me know WHY my accounts were closed.
Consumer complaint received 2020-10-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (TX)

I had got a auto loan through Westlake Financial in XXXX of XXXX a few months later the vehicle started having electrical issues. Which was suppose to be covered by warranty and was not covered, I told them I cant drive the truck, pay for repairs, pay the car note and insurance. They suggested a voluntary repo I did not agree because I had paid such a large down payment around XXXX, They repossessed the truck while I was out to eat with my children, left us stuck at the restaurant. They ended up adding all kinds of illegal fees and charges that inflated the balance way more than what was owed. Recently during the pandemic I paid them the settlement amount they requested, on XX/XX/2020. They promised to remove it from my credit. It is still on my credit and now no one will remove it. Stating they don't do that, they tell you anything to get money and then they scam you thinking it will be removed off your report but then they do not remove it.
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

Received letter stating amount paid. However the next month I received a bill for {$3.00} next month it was {$4.00} and change I just received another one for {$5.00} and change. Is this legal.?
Consumer complaint received 2019-03-26
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. (AR)

on XX/XX/219 got a letter from XXXX XXXX indicating they are unable to re-insert my 2 accounts XXXX back into a bureaus as required by law. see attached.
Consumer complaint received 2021-12-21
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. (MA)

I recently set up automatic payments to be deducted from my XXXX charge card. On XX/XX/20 XXXX processed my automatic payment. My bill was XXXX they took my automatic payment out but then for some reason reversed the payment. I had no knowledge that my payment had been reversed. This caused my account to fall into delinquency without my knowledge. I only knew about it a month later because XXXX XXXX alerted me about a late payment. I called XXXX got my account up to date. They gave me back the late fee and told me this would not effect my credit. However it was reported that it was over 30 days late so now I have a negative remark on my credit report. When you set up automatic payments you are trusting that all your payments will be made on time. This was an error on XXXX behalf and should not reflect my credit score in anyway. I have been a valued customer and had a charge card for 9 years with them but now I don't feel so valued as they are not helping me to fix this situation.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Number : XXXX
Consumer complaint received 2019-05-31
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. (GA)

My issue is with Experian failing to acknowledge documents receive from creditors involving identity theft. I have filed identity theft reports and sent them to Experian several times in the past. Recently, I receive documentation which excludes me from the following accounts XXXX XXXX XXXX acct # ending XXXX and XXXX acct # ending XXXX directly from the creditors. However, Experian has not complied and removed this information from my file. As, I have submitted all proper documents involving identity theft. I am reaching out to the consumer financial protection bureau to assist me in this urgent matter. I have been unable to purchase necessary necessities due to Experian mishandling my credit file.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (GA)

I deposited a check on XX/XX/XXXX for {$2300.00}, for which I received the notification from Chase Bank that {$100.00} has been credited to my account immediately, whereas the remaining amount i.e. {$2200.00} will be credited on XX/XX/XXXX and the amounts were credited too, which made me realized that the check has got cleared. In turn, I refunded the money back to the person who sent the check by mail ( who apparently was a fraudster ). 
Later, on XX/XX/XXXX surprisingly the said check got bounced and I saw a debit on my account. 
Between XX/XX/XXXX and XX/XX/XXXX, I made lots of call to Chase Bank, and they confirmed that they credit the full amount once they get confirmation from Issuing Bank, but couldn't confirm why the check can get bounced later. Also, when I dropped an email to them on XX/XX/XXXX, they never replied back to me with the clarification. 
Because of this, I landed to a situation wherein I lost {$2300.00}, and Chase is not providing the amount back due to flaw in their policy/process.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OR)

Hello, In early XXXX I paid {$550.00} to place an online bet. After paying, I found that my bet couldnt be processed due to the size of the bet. I spoke with the merchant by phone and they agreed to a full refund and to close my account. 

The refund never occurred though they closed the account, and so from there I initiated a chargeback with synchrony financial. Following the charge back they sent a letter requesting additional information ( receipts, etc ). I called them and told a CS agent I didnt have any receipts, it was a phone conversation but that I received 0 goods and the charge was improper either due to no refund or no goods sold. They said okay and I was set to go. 

Two months after this, my chargeback was closed due to lack of feedback by paper. I called immediately, explained what happened and started a new chargeback. When I got the notice this time I sent paper in because apparently only paper is accepted and they dont train their CS agents on this tidbit. 

Four months into it ( today ) I get a letter saying the chargeback has been closed due to lack of paper evidence the charge was improper. I have no refund info by email because it was a phone conversation but my account was closed and I received 0 goods. I called their CS again and they said theyre going to reopen it under a different designation to hopefully settle this issue. 

Its been 4 months, most likely 6 months until this gets resolved. The CS agents are poorly trained and the department that handles these disputes hasnt called me once to discuss this. It seems all they do all day is decline chargebacks so they dont have to work? Its a fradulent charge if I havent gotten anything for my charge. CS agents state all I can do is reopen the dispute and try again. 

This situation is screwed up for me but also the bank. Ive spent at least {$50.00} of their payroll talking with CS agents, and probably {$3.00} or {$4.00} in postage. I would love to get this resolved by the time Im XXXX ( XXXX now ).
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Expert Credit Sweeps (NV)

On XXXX I had a phone consultation to discuss credit repair services with Ms. XXXX. I was initially charged {$220.00} for services that were to begin in XX/XX/2018. I paid for the credit monitoring services she recommended and provided the user name and password. I also uploaded supporting documentation to the portal and sent messages in the portal. Between XXXX until XXXX I paid a total of {$600.00} and yet non of the disputes I requested were conducted. Ms. XXXX sent a couple of emails apologizing for issues. There were definitely problems with the portal and I think it caused communication and documentation issues. I don't know if it was intentional but Ms. XXXX did not respond to any of my messages through the portal and calls were unsuccessful. I have recently checked to see what disputes where made and discovered that I paid {$600.00} for nothing. This money must be refunded immediately.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AR)

I am insured on a vehicle with my son through XXXX XXXX. The Auto policy just renewed, but a Driving history was obtained via LexisNexis Risk Solutions. Upon reviewing the driving history, I am concerned about Not at Fault accident ( XX/XX/XXXX ) and a Comp Coverage Claim < XXXX ( XX/XX/XXXX ) that pulled up on me. 

This was a claim that I was forced to file with my primary auto insurance ( not with XXXX  ) by my health insurance. I endured shoulder damage when I pulled up into a friend 's truck that was parked in a public location on XX/XX/XXXX. Since an auto was involved, was told it had to be primary and my health insurance secondary. 

The above incident was the only claim I made in XXXX and it was on Comprehensive. Did replace a windshield in Spring XXXX. 

I do not feel that the above incident should affect my driving history report in a negative manner, esp when claim was NOT made on said policy or with said company.
Consumer complaint received 2020-10-07
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOAN TO LEARN (NJ)

In around XXXX I came to find out that my father took out a loan with EduCap in the amount of {$12000.00} and used my information to obtain it. I used federal financial aid to fund my education and never used a private loan so I was surprised to learn this information. I filed a police report and my father who has now passed wrote a letter explaining the situation to the lender. I never received and do not recall receiving any information regarding this loan since about XXXX. Recently, I received a letter that my wages will be garnished. I have asked for and never received fraud and identity theft paperwork or a hardship request and reached no solution. This company and their collectors have been harassing me for over 8 years. I tried to reach a solution but was told to contact a lawyer and that the company decided I am responsible after several attempts following their rules to show I did not take out this loan. This is continued harassment and has to be illegal to never summon me to court and only send notices that I have to pay or they will take my hard earned money. I want the matter resolved and filed as fraudulent.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

I have two account with Navient. One was charged off to NAVIENT  XXXX XXXX XXXX private loan. The charged off account has been in repayment for four years making monthly payments and not missing any. I was told by Navient I had to pay a lump sum ( XXXX $ ) to have my co-signer removed from my charged off account. My co-signer is still on my account. My payments were applied to accounts wrongfully and when addressed Navient applied payments but the interest rate for my charged off account was very high. My XXXX report states failed to pay for the past two years. Navient was contacted several times regarding credit reporting and has yet to address it. My credit score is significantly affected by Navient 's false credit reporting. I have documents that support me making consecutive payments on time for several years. The school my loans were from has closed. The loans are from 2005, I have been making payments and my loan amount is still showing I owe more original balance {$6500.00}, showing I still owe {$11000.00}. The practices that Navient uses is unethical. Please help me resolve this as this is affected my credit score. I have called Navient and asked them to resolve this multiple times and was told I have to write to Navient directly which I did. I have not received any additional information regarding the credit reporting. NAVIENT  XXXX XXXX XXXX only corresponds in writing not over the phone. Please help me resolve this as I mentioned this is unethical. Thank you!
Consumer complaint received 2021-05-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Citi bank had an Advertisement opening a CITI XXXX account package which mentioned deposit XXXX and receive {$700.00} at the end of the term which was six months. I open the account on XX/XX/XXXX, at XXXX. I went back on XX/XX/XXXX to retrieve XXXX which would have been the cash Bonus for letting the bank use my {$50000.00} for six months and was told that I was not going to get the money cause there was some mistake!. I asked what could possibly be the problem and Neither the teller, or the manager of the facility had any answers!!. So, I would like this matter to be taken seriously, and putting hands of someone who know exactly what is going on with this institution!. I as a consumer feel like I have been XXXX, miss treated, and I feel that there has been a XXXX profiling on me!.