davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST INTERSTATE BANCSYSTEM, INC. (WY)

On XX/XX/2022 a check was written on the XXXX account in which I am in charge of. The check was fraudulent and approximately 12 more checks were written in large amounts up to XXXX per check for an approximate total of {$40000.00}. 
I contacted the bank both in person and via phone, and filed a police report on the exact day I discovered this when I received my statement showing these checks that had clearly been manufactured with incorrect address and title, signed and written by an stranger when I am the only signer allowed on this account and the only person allowed to do any business of this account. 
I was told I had 60 days from the receipt of the first statement showing fraud to report and receive the stolen money from First Interstate, XXXX, WY. I was well within that time as I reported on XXXX XXXX 30 days from when I should have received my first statement showing fraud. I received a letter showing my address needed verified rather than a statement for XXXX. All the checks went through the bank with no question and most were clearly cashed by a XXXX XXXX XXXX XXXX in VA. Approximately XXXX was returned after about 2 weeks and no other updates have been made. I've had 2 other banks tell me First Interstate should've returned the money to my account, by law, within 48 hours, but I have still not received the remainder that is missing. I've emailed and called and am still missing approximately {$20000.00}. Please help. I was also told this my be a case of elder abuse as I was told that I should've banked online and would have discovered this sooner.. I am not comfortable with online banking and am over XXXX. Please help!!
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

XXXX XXXX XXXXI want to place a complaint against ASC in regards to a loan modification for my subject property located at XXXX XXXX XXXX, XXXX, NY XXXX with a loan # XXXX. The reason for the complaint is due to in-compliance and mis interpretation of my loan modification review. They claim that the investor of my mortgage loan is XXXX, and they do not participate under the HAMP program. If they do not participate under the HAMP program, why was my file being review for a possible HAMP, when they know they do not participate in HAMP and they do not follow the guidelines. I should be reviewed for a Flex Loan Modification in which I know I qualify for, and I have evidence from a Loan Disposition Analysis in which I will attach. I was told I needed to reapply for a loan modification and I did as I placed a Loan Mod Package in XXXX of this year. Upon receiving the Loan Mod Package, they advise I needed it to speak to a " re entry team '' to see if I can be review for a loan mod in which they just informed me to fax a new package, once again, mis interpretation from the servicer. The XXXX entry team after an initial interview, advise me that I can be reviewed for a loan modification and advise me to send the following documentation on XXXX XXXX, and advise me that this will be needed to reactivate the file : - 2 pay stubs for XXXX 2 pay stubs from each company XXXX- 2 most recent bank statements- LOE of rental going up this month- LOE of start date for XXXX- new lease agreementUpon faxing the documentation on XXXX XXXX, I called on XXXX XXXX and they advise me that I need a lot more income that it was presented to reactivate the file, in which after the initial interview, they advise me I can be review for a possible loan mod. I do not understand what is going on with XXXX, I really want to keep my property but they keep mis interpreting my loan, not only causing me to fall behind even more, not allowing me to get a loan mod, in which I 'm ready to start paying back my loan. 
I executed a Loan Disposition Analysis and after a REST Analytical Report, with the use of an NPV Result, I qualify for a Flex Mod, and I 'm able to save my house, my investment that I had worked so hard to keep. 

Please help me come up with a solution with this bank and save my house. I really need your help
Consumer complaint received 2024-10-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANK OZK (OR)

Multiple attempts over past XXXX  days and on previous occasions- to make contact with BankOZK re : my ability to pay debt, debt modification, debt management plan on XXXX XXXX XXXX XXXX. The automated answering system hangs up on me, states offices are closed even when calling during stated business hours. Attempts to contact using website message service ( name, email, phone, concern etc. ) without response. Default of automated answering service is to provide loan payoff and amount due only, only once has transferred me to human responder who could not help me nor provide direct number to billing department - stating internal number only but would make a note on my account about inability to pay ( XX/XX/XXXX ) but would not trigger call back or email correspondence and a sorry for the inconvenience. 

Speaking with a representative HAS BEEN AN ONGOING ISSUE WITH BANK OZK SINCE LOAN ESTABLISHED XX/XX/XXXX - as they continue to work with website/automated services which make speaking with person nearly impossible UNLESS you miss/are late on a payment or owe a late fee. On this XXXX occasion, they attempted to call during my work hours - number provided was same as mentioned above - and only emailed once which was an instance I could reply to. 

I am trying to work with a company to establish a DEBT MANAGEMENT PLAN and this company has been ALSO UNABLE to establish contact with BANKOZK.
Consumer complaint received 2022-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (LA)

I am writing to inform you of my process and communication with Myfedloan Servicing. Back in XX/XX/2021 and again on XX/XX/2021 I submitted my certification and application for the Public Service Loan Forgiveness. It has now been 6 months! Currently my account shows that I have 144 eligible payments ( in order to be forgive I need 120 ), of those 106 have been processes and are qualifying. I am waiting for 32 of the " Need Employment Certification '' to be completed by them so that I can be forgiven. I have met all of the requirements and now I am just waiting. I understand that this is a very involved process and that thousands of people are going through this task. My frustration is that there seems to be no rhyme or reason to this. I am on a number of social media groups and I have seen over 100 people post that they have received forgiveness and they submitted their paperwork well after mine. XXXX XXXX XXXX XXXX. I have no time to make phone calls during my school day. I have taken off 2 days just to make a phone calls to them, only to be told, " We know nothing, you just need to wait! ". The lack of communication has been unacceptableXXXX XXXX XXXX XXXX XXXX, trust me I am a very patient person. My patients has run out. Thank you for you help in advance.
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

In 2013 Wells Fargo offered us a loan modification. After making the trial payments totaling {$18000.00} ( and thus accepting the modification offer, per Wells Fargo ) we were told the offer had expired. We hired an independent attorney to assist with enforcing the modification ( at a cost of {$30000.00} ), which was unsuccessful. We were left with XXXX options ; foreclosure or short sale. We chose to short sale. We listed our home and received a cash offer for greater than fair market value. The offer was submitted over a month ago with all required paperwork. We also dismissed the lawsuit ( WITH PREJUDICE ) and provided Wells Fargo a copy of the recorded Dismissal. Currently the short sale review is on hold, because Wells Fargo counsel is demanding we sign a release agreement that among other things, would completely waive our home owners bill of rights. The Wells Fargo attorney is threatening to allow foreclosure to proceed instead of allowing the short sale to be reviewed. The sale date is XXXX XXXX, and we are trying to get the short sale offer approved before going to auction. We received notice from Wells Fargo they are in receipt of the offer and it is under review, however their attorney is still holding up the review process until the release is signed. We feel that the Wells Fargo attorney is angry we wo n't sign the release and dismiss the lawsuit WITH PREJUDICE ( versus WITHOUT ), and is using emotions and threats to block this entire short sale approval process, and instead allowing our home to go to auction on XXXX XXXX. There is currently NO LAWSUIT, it was dismissed. How can we be expected to sign a release for a lawsuit which no longer exists?
Consumer complaint received 2020-05-20
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. (CA)

I was looking at my credit report today XX/XX/2020 because I need to rent an apartment in the next few months and I noticed that there is an account named XXXX XXXX XXXX XXXX on my report that is not mine ; there are also several inquiries that I never authorized. I don't know who these inquiries and account belong to but I did not give anyone permission to open this account or make these inquiries on my behalf using my personal information such as my name, social security number, birthday etc. I am not affiliated with any of the companies I listed on this report nor did I get any type of benefit as a result of these items reporting on my credit. I did not make any payments towards this account nor am I responsible for it in any way. I have filed a police report regarding all these unauthorized items.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have the checking account with Bank Of America. One of the merchant- XXXX charged me in the amount of {$88.00} after I stopped the servic. Therefore, it was unauthorized transaction. I opend the dispute with bank of america. However, Bank of America has got worst customer service that they did not even help me and pull their hands up. This was ridiculus that Bank does not even try to fight for their customer and customer loosing their money.
Consumer complaint received 2022-05-24
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. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX- Contains several errors and other sensitive information. This letter received today states- XXXX responded by saying they could not verify my identity completely verify my identity on XX/XX/XXXX but sent a full consumer disclosure report - to me - Apparently a stranger because as stated in their most recent response dated today XX/XX/XXXX, XXXX could not verify my identity. The request to opt-out was submitted on XX/XX/XXXX. 

A response was received - on XX/XX/XXXX Stating the burden of proof is on the consumer which is 100 % incorrect. 

XXXX XXXX as an entity is responsible for providing information on how the items collected in the consumer file have been validated. 

I requested a VALIDATION OF INFORMATION ON THE CONSUMER FILE AND XXXX DID NOT PROVIDE VALIDATION OF INFORMATION AND HAS VIOLATED MY RIGHT TO PRIVACY by POSTING ITEMS ON A CONSUMER REPORT WITHOUT VALIDATION. THIS CAUSED ME REPUTATIONAL HARM. 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT Technically- All items should be deleted at this point. XXXX has not provided any information on how they were able to collect personal information. Instead, they have responded with nonsense.
Consumer complaint received 2023-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I am a XXXX XXXX and have been since XX/XX/2004. I have enrolled in the TEPSLF and PSLF programs. I have provided my employment information more than three times -- certified by my employing agency, the XXXX XXXX XXXX. 

My loan was transferred from XXXX to MOHELA, the company currently suing the XXXX XXXX over student loan forgiveness. 

In XXXX, a rule regarding periods of forbearance was promulgated. I have asked, even though my Senator 's Office ( XXXX XXXX ) to explain why my forbearance periods are not being applied and why my employment verification is not being accepted ( see attachments for both )
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

I received a debt collection letter from you. Do you have the right person? Can you supplyme with a contract or agreement signed with your company or the Creditor.PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITORVERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TOCOLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THATYOU CLAIM IS OWED.ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROMTHE ORIGINAL CREDITOR TO THE CURRENT CREDITORPLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BYTHE ORIGINAL CREDITORPLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINALCREDITOR TO THE SECURED TRUST AND THEN BACK TO THEORIGINAL CREDITORPLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOUHAVE VALIDATED THE DEBT.Please do not look at my credit report or report anything to my credit I dispute I owe thisdebt amount to you and that dispute should be stated on my credit report if you have reportedthis debt.PERMISSABLE PURPOSEPlease State why you have a permissible purpose to contact my credit. I disputethis. IF YOU PASS THIS ON TO ANOTHER COLLECTORI dispute I owe this debt to you. If you pass this on to another debt collector, please providethem notice of my dispute to owing this debt. Thank youfor your immediate cooperation.the _
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (SC)

I am writing to formally request the deletion of certain charged-off accounts from my credit report under the provisions of 15 USC 1681 ( e ) B. According to this statute, debts that have been charged off are considered by the IRS to be canceled or forgiven, and thus should not be reported as outstanding liabilities on my credit report.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Address ( es ) : * XXXX XXXX  XXXX, FL XXXX * XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX  XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Correct Information to Be Reported : - Full Name : XXXX XXXX XXXX XXXX - Correct Date of Birth : XX/XX/XXXX - Correct Social Security Number : XXXX - **Correct Address** : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION (CA)

We have had our vehicle loan for a XXXX XXXX ( XXXX ) for 8 years now. We agreed to a 7 year loan, but had four deferments that we took out, extending the loan for another year. We agreed to that too. When that year came to an end, we received a letter stating we still owed {$5000.00} plus taxes on it, making that over {$6000.00}. They told us they could refinance that, or repossess the car. We had no clue this was going on and thought we would be receiving the title in the mail. We had a very quick choice to make as they were sending the repossession guy the next day, so we chose to agree to the refinance loan for {$6000.00} and pay {$180.00} a month until it was paid off. But we never signed the contract as as soon as we agreed to do it, they began scheduling double or even triple payments and taking it out of our bank account without authorization. We struggled with this the entire 8 years of having the loan with them as well. This was nothing new. The most recent example of that is that we received a letter from them on XX/XX/XXXX stating we had authorized {$360.00} to come out of our account on XX/XX/XXXX. We called immediately and told them to not take it out, we had NEVER authorized it. They stated it would be fixed and that the previous agent must've made a mistake. The payment tried to come out of a bank account we don't even use anymore, so now we got a bounced check fee. 

We have spoken to Navy Federal Credit Union loan officers, including people in the corporate office, and were assured over and over again that this would be taken care of and wouldn't happen again. In fact, the last agent we spoke with promised us that if we paid three more payments of {$180.00} we would be done with the loan and they would wipe out the rest of the balance, and send us the title. 

We can not keep having these unauthorized payments trying to come out of our bank account. We can not keep having promises made by them. This car is 10 years old and has had us paying on it for 8 years and 3 months now. We don't want to make one more single payment on it. We have asked for audits of every single payment made this entire time, but they refuse to send us that information. They are unwilling to be upfront and honest about this. 

If they refuse to wipe out the rest of the balance, send us the title free and clear and also a letter of apology from the CEO 's office, along with a letter to our banking institution saying we are not liable for the fees incurred for unauthorized transaction, we will be forced to sue them for damages beyond the bank fines, but also for emotional distress, time away from work, and for the amount of the loan in total.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC (TX)

This creditor ( RADIUS GLOBAL SOLUTION ) is stating because of the age of the debt, I can not be used. They sent a statement stating that I can renew the debt and the start time period for the filing of a lawsuit against myself if I take specific action such as making a written promise to pay. I did not take any action for this debt. I did not purchase or sign any contract for services from XXXX in 2022.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been having collection items remove off my credit with Transunion specifically with has been the reason for a low credit score with this company. Recently I remove 4 inaccurate items, which should have increase my credit score but it went down more. 

I receive the notice that XXXX items was remove, but know other thing change on my report and no explanation as to anything added. 

Trying to reach the company to investigate, the phone systems answer the call, but you through option over options and then hang up. I have been through ever option and no one will answer the phone.